Top 5 Bikes Under ₹1 Lakh With Lowest EMI Options in 2025

In India’s booming commuter-bike market, finding a reliable machine under ₹1 lakh that also lends itself to easy EMI financing is a smart move for value-seeking riders. This article spotlights five standout models that hit the sub-₹1 lakh threshold in 2025 and make two-wheeler loans more accessible.

1. Honda SP 125

Engine & Performance: The SP 125 is powered by a 123.94 cc air-cooled engine producing 10.87 PS at 7,500 rpm and 10.9 Nm at 6,000 rpm. Fuel efficiency is rated at around 63 kmpl.
 Chassis & Handling: With a kerb weight of 116 kg and ground clearance of 160 mm, the SP 125 uses a diamond chassis, telescopic fork up front and hydraulic rear suspension. The well-balanced geometry makes it easy to manoeuvre in traffic and decent on light highway stretches.
 Technology & Features: The bike gets fully-digital instrument cluster, engine-start/stop switch, gear-position indicator and Honda’s proven build quality. For a commuter segment bike, it brings a fine blend of tech and efficiency.
 Value proposition: Given its sub-₹1 lakh pricing (ex-showroom starting ~₹85,000+) and strong fuel economy, the SP 125 is ideal for riders prioritising reliability and low running costs. As EMI-friendly choice it fits someone looking for minimal monthly outgo.

2. TVS Raider 125

Engine & Performance: Raider’s 124.8 cc air-and-oil-cooled engine produces 11.38 PS @ 7,500 rpm and 11.2 Nm (11.75 Nm with iGO Assist) at 6,000 rpm. Claimed mileage is around 71.94 kmpl.
 Chassis & Handling: At ~123 kg kerb weight, it features telescopic front suspension and a 5-step adjustable gas-charged mono-shock rear. Its sporty stance, upright ergonomics and good ground clearance (~180 mm) support urban and semi-urban rides.
 Technology & Features: Stand-out tech includes a TFT colour display with 85+ features (on higher trims), connected features (call management, voice-assist), side-stand engine cut-off, and single-channel ABS.
 Value proposition: With pricing in the ~₹80,000+ range (ex-showroom) plus sporty styling and advanced features, the Raider 125 appeals to younger commuters wanting both style and sensible EMI terms.

3. Hero Xtreme 125R

This model is featured among the best-bikes-under-₹1 lakh lists. It offers sporty commuter appeal, decent mileage (~66 kmpl) and pricing in the sub-₹1 lakh band. For riders who want a sharper look and comfortable daily ride with manageable financing, Xtreme 125R is a solid pick.

4. Bajaj Pulsar 125

The Pulsar 125 also falls in the under-₹1 lakh bracket with pricing starting ~₹79,000 ex-showroom in some markets. With the Pulsar badge, sporty persona and commuter usability combined, it offers a very balanced proposition for EMI-conscious buyers who also care about brand presence.

5. Hero Splendor Plus

For budget-first buyers, the Splendor Plus remains a benchmark. With a 97.2 cc engine and mileage around 70 kmpl or more, and pricing well under ₹1 lakh, it is the no-nonsense workhorse of the segment. If your priority is ultra-low monthly EMI and minimal cost of ownership, this is the go-to.

EMI & Financing Tips

• When financing any of these bikes, evaluate monthly EMI based on loan tenure and down-payment. Lower down-payment + longer tenure = smaller EMI, but may cost more overall in interest.
• Choose a finance tenure aligned with your income—preferably no more than 24-36 months for commuter bikes.
• Check for dealership offers: some may provide attractive down-payment or interest discounts on these models under ₹1 lakh.
• Consider maintenance cost and fuel efficiency: models like SP 125 and Raider 125 with strong mileage reduce running cost, making EMI burden lighter.

Conclusion

Each of these five bikes delivers the core value proposition: cost-effective purchase, low EMI potential, and reliable commuting performance. If your budget caps around ₹1 lakh and you seek the lowest-straining EMI plan, the Honda SP 125 and TVS Raider 125 stand out with good feature sets and fuel-economy credentials. For ultimate affordability, the Hero Splendor Plus remains unbeatable. Whatever your pick, you’re getting a credible commuter for everyday rides with manageable financing.