The list of top bikes offering EMI options under ₹5,000/month
Here are the top picks that offer a mix of mileage, comfort, and modern features.
| Bike Name | Engine | Starting Ex-Showroom Price in Delhi |
| Hero Splendor Plus | 97.2 cc | ₹ 80,166 |
| Bajaj Platina 110 ABS | 115.45 cc | ₹ 74,771 |
| Honda Shine | 123.94 cc | ₹ 85,590 |
| TVS Raider | 124.8 cc | ₹ 87,625 |
| Hero Glamour XTEC | 124.7 cc | ₹ 91,234 |
| Yamaha FZ-FI V3 | 149 cc | ₹ 1,23 lakh |
| Bajaj Pulsar 125 | 124.4 cc | ₹ 85,178 |
| Honda SP 125 | 123.94 cc | ₹ 93,247 |
| TVS Star City Plus | 109.7 cc | ₹ 78,586 |
| Bajaj CT 110X | 115.45 cc | ₹ 72,179 |
1. Hero Splendor Plus
Price (ex-showroom): Starting at ₹ 80,166
The Hero Splendor Plus has been India’s best-selling bike for many years. It’s simple, reliable and offers excellent fuel economy. The starting price is low, so monthly instalments also stay small, even on shorter loan tenures. It is perfect for first-time buyers and budget-conscious riders.
Why it’s EMI-friendly:
Low on-road price + high resale value = very low monthly instalment amount.
Expected EMI: ₹1,448 – ₹2,328 per month (on a 3–5 year loan)
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 97.2 cc, Air-Cooled, Single Cylinder |
| Power | 7.91 bhp @ 8,000 rpm |
| Torque | 8.05 Nm @ 6,000 rpm |
| Transmission | 4-Speed Manual |
| Mileage | 65–70 km/l |
| Fuel Tank Capacity | 9.8 litres |
| Brakes | Drum (Front & Rear) |
2. Bajaj Platina 110 ABS
Price (ex-showroom): Starting at ₹ 74,771
The Bajaj Platina 110 is one of the most fuel-efficient bikes in India and also comes with ABS for extra safety. Because the on-road price is reasonable, the EMI stays comfortably under ₹5,000, even with a shorter loan duration.
Why it’s EMI-friendly:
Low price + excellent mileage reduces both EMI and fuel costs.
Expected EMI: ₹1,350 – ₹2,171 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 115.45 cc, Air-Cooled, Single Cylinder |
| Power | 8.4 bhp @ 7,000 rpm |
| Torque | 9.81 Nm @ 5,000 rpm |
| Transmission | 5-Speed Manual |
| Mileage | 70–75 km/l |
| Fuel Tank Capacity | 11 litres |
| Brakes | Disc (Front), Drum (Rear) with ABS |
3. Honda Shine
Price (ex-showroom): Starting at ₹ 85,590
The Honda Shine is one of the smoothest 125cc bikes in India. It’s comfortable, stylish and very easy to maintain. The price is slightly higher than basic commuters, but still the EMI stays below ₹5,000 in most cities.
Why it’s EMI-friendly:
Trusted Honda engine + easy loan approval + high resale value.
Expected EMI: ₹1,546 – ₹2,486 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 123.94 cc, Air-Cooled, Single Cylinder |
| Power | 10.59 bhp @ 7,500 rpm |
| Torque | 11 Nm @ 6,000 rpm |
| Transmission | 5-Speed Manual |
| Mileage | 60–65 km/l |
| Fuel Tank Capacity | 10.5 litres |
| Brakes | Disc (Front), Drum (Rear) |
4. TVS Raider
Price (ex-showroom): Starting at ₹ 87,625
The TVS Raider is a stylish and feature-rich bike that attracts young riders. Though it looks premium, the price is still reasonable, and many riders buy it on EMI starting under ₹4,800 per month (with a moderate down-payment).
Why it’s EMI-friendly:
Affordable pricing + premium features + good mileage = excellent value.
Expected EMI: ₹1,583 – ₹2,545 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 124.8 cc, Air-Cooled, Single Cylinder |
| Power | 11.22 bhp @ 7,500 rpm |
| Torque | 11.2 Nm @ 6,000 rpm |
| Transmission | 5-Speed Manual |
| Mileage | 60–65 km/l |
| Fuel Tank Capacity | 10 litres |
| Brakes | Disc (Front), Drum (Rear) |
5. Hero Glamour XTEC
Price (ex-showroom): Starting at ₹ 91,234
The Hero Glamour XTEC comes with Bluetooth connectivity, navigation, and a digital meter. It’s an upgraded version of the regular Glamour and is still available at a reasonable price. With a standard down payment, your EMI will stay under ₹5,000 easily.
Why it’s EMI-friendly:
Modern features at a low price point + high mileage = lower overall monthly costs.
Expected EMI: ₹1,648 – ₹2,649 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 124.7 cc, Air-Cooled, Single Cylinder |
| Power | 10.72 bhp @ 7,500 rpm |
| Torque | 10.6 Nm @ 6,000 rpm |
| Transmission | 5-Speed Manual |
| Mileage | 60–65 km/l |
| Fuel Tank Capacity | 10 litres |
| Brakes | Disc (Front), Drum (Rear) |
6. Yamaha FZ-FI V3
Price (ex-showroom): Starting at ₹ 1,23 lakh
The Yamaha FZ-FI V3 offers a muscular design with Yamaha’s smooth engine performance. It sits at the slightly higher end of the segment, but you can still bring the EMI below ₹5,000 if you choose a 4–5 year repayment plan.
Why it’s EMI-friendly:
Premium feel without a high upfront cost, especially on a longer loan.
Expected EMI: ₹2,221 – ₹3,572 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 149 cc, Air-Cooled, Single Cylinder, Fuel Injected |
| Power | 12.23 bhp @ 7,250 rpm |
| Torque | 13.3 Nm @ 5,500 rpm |
| Transmission | 5-Speed Manual |
| Mileage | 45–50 km/l |
| Fuel Tank Capacity | 13 litres |
| Brakes | Disc (Front & Rear), Single-Channel ABS |
7. Bajaj Pulsar 125
Price (ex-showroom): Starting at ₹ 85,178
The Bajaj Pulsar 125 is the most affordable bike in the Pulsar line-up. It offers sporty looks and good performance without a high price tag. With good resale value and a wide service network, banks are happy to finance it.
Why it’s EMI-friendly:
Sporty looks + low price = high value under ₹5,000 EMI.
Expected EMI: ₹1,538 – ₹2,474 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 124.4 cc, Air-Cooled, Single Cylinder |
| Power | 11.8 bhp @ 8,500 rpm |
| Torque | 10.8 Nm @ 6,500 rpm |
| Transmission | 5-Speed Manual |
| Mileage | 55–60 km/l |
| Fuel Tank Capacity | 11.5 litres |
| Brakes | Disc (Front), Drum (Rear) |
8. Honda SP 125
Price (ex-showroom): Starting at ₹ 93,247
The Honda SP 125 looks premium and comes with a full-digital meter. The engine is refined and smooth, making it very easy to ride. Even though the on-road price touches around ₹1.10 lakh in some cities, the EMI still falls under ₹5,000 with a 4–5 year plan.
Why it’s EMI-friendly:
Refined engine + Honda’s support makes financing easy.
Expected EMI: ₹1,684 – ₹2,708 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 123.94 cc, Air-Cooled, Single Cylinder |
| Power | 10.72 bhp @ 7,500 rpm |
| Torque | 10.9 Nm @ 6,000 rpm |
| Transmission | 5-Speed Manual |
| Mileage | 60–65 km/l |
| Fuel Tank Capacity | 11 litres |
| Brakes | Disc (Front), Drum (Rear) |
9. TVS Star City Plus
Price (ex-showroom): Starting at ₹ 78,586
The TVS Star City Plus combines good looks, comfortable riding and excellent mileage. It’s slightly more premium than the TVS Sport, but still remains very affordable. With a decent down payment, the EMI is easy to keep under ₹3,000 per month.
Why it’s EMI-friendly:
Low running and maintenance costs + lower price = very pocket-friendly instalments.
Expected EMI: ₹1,419 – ₹2,282 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 109.7 cc, Air-Cooled, Single Cylinder |
| Power | 8.08 bhp @ 7,350 rpm |
| Torque | 8.7 Nm @ 4,500 rpm |
| Transmission | 4-Speed Manual |
| Mileage | 65–70 km/l |
| Fuel Tank Capacity | 10 litres |
| Brakes | Disc (Front), Drum (Rear) |
10. Bajaj CT 110X
Price (ex-showroom): Starting at ₹ 72,179
The Bajaj CT110X is a tough and solid commuter bike designed for rough Indian roads. It is one of the most affordable bikes on the market and gives excellent fuel efficiency. Therefore, the EMI amount remains extremely low, even if you pay only a small down payment.
Why it’s EMI-friendly:
Very low on-road price + best-in-class mileage.
Expected EMI: ₹1,304 – ₹2,096 per month
Key specifications
Here are the essential details of the bike at a glance.
| Feature | Specification |
| Engine Type | 115.45 cc, Air-Cooled, Single Cylinder |
| Power | 8.6 bhp @ 7,500 rpm |
| Torque | 9.81 Nm @ 5,000 rpm |
| Transmission | 4-Speed Manual |
| Mileage | 70–75 km/l |
| Fuel Tank Capacity | 10.5 litres |
| Brakes | Drum (Front & Rear) |
Tips to keep EMIs below ₹5,000
Here are some tips that can help keep EMIs below ₹5,000.
- Choose a longer loan tenure (4–5 years): This makes each monthly instalment smaller.
- Pay a slightly higher down payment: Even ₹10,000 extra can reduce EMI noticeably.
- Compare interest rates: Different banks have different interest rates.
- Pick a bike with high resale value: This also makes banks more confident in giving you a loan.
- Avoid unnecessary add-ons: Extended warranty, insurance add-ons, etc., increase the financing amount.
Final words
Getting your dream bike doesn’t always mean paying a huge amount up front. Many reliable and stylish bikes in India can be owned for less than ₹5,000 per month if you plan your loan properly. Before buying, check the on-road price in your city, compare bank loan offers, and take a short test ride. Once you find the right balance of price, EMI and comfort, riding becomes worry-free and enjoyable.
Frequently asked questions
