Why Buying a Bike in India Is More Than Just a Purchase
In India, buying a new bike is a dream that many nurture from their teenage years. For students, it is often the first taste of independence; for professionals, it becomes a trustworthy partner for daily commutes; and for families, it’s about affordable and reliable mobility. A bike is not just a vehicle—it carries emotions, aspirations, and status.
With the arrival of Honda’s new 2025 models—the CB125 Hornet and Shine 100 DX—the excitement is high. Both bikes are targeted at different buyers but share Honda’s promise of durability, fuel efficiency, and affordable maintenance.
Yet, excitement alone should not guide a purchase. Buying a bike requires calculated preparation: from understanding the models and their suitability, to arranging finances, securing insurance, and ensuring you don’t overspend. This guide takes you through the complete preparation process step by step, so that when you ride out of the showroom, you do so with clarity, confidence, and financial peace of mind.
Honda CB125 Hornet – The Stylish Sporty Commuter
The Honda CB125 Hornet has been designed with the young Indian rider in mind. Inspired by Honda’s legacy Hornet series, this bike is compact, stylish, and affordable.
Key Highlights:
- Engine: 124.7 cc, single-cylinder, BS6 Phase 2 compliant
- Power: Around 11–12 bhp
- Design: Sporty tank extensions, LED headlamp, sharp lines
- Technology: Digital console with gear indicator, tubeless tyres, CBS braking system
- Mileage: ~50 kmpl (expected real-world figure)
- Price (2025, expected ex-showroom): ₹95,000 – ₹1.10 lakh
This bike suits college students, first-time buyers, and commuters who want style without stretching too much on budget. It blends economy with attitude.
Honda Shine 100 DX – The Reliable Workhorse
If the CB125 Hornet is about style, the Shine 100 DX is about practicality. This is Honda’s upgraded entry-level commuter built for mileage, comfort, and family use.
Key Highlights:
- Engine: 98.98 cc, BS6 compliant
- Mileage: 60–65 kmpl in real use
- Design: Simple yet refined with DX-specific graphics
- Comfort: Upright seating, soft suspension, long seat
- Durability: Built to handle city and rural roads
- Price (2025, expected ex-showroom): ₹65,000 – ₹75,000
The Shine 100 DX is perfect for office goers, family riders, and rural customers who want a dependable machine with low running costs.
Step 1: Self-Assessment – Which Bike Is Right for You?
Before entering a showroom, pause and assess your needs honestly.
Ask yourself:
- How much is my daily commute?
- Am I riding mostly in city traffic or open highways?
- Do I value style and performance more, or mileage and comfort?
- How much am I willing to spend every month on fuel, EMI, and insurance?
- Will I ride mostly solo or with a pillion/family?
Decision Framework:
- If you’re young, value styling, and ride mostly solo → CB125 Hornet.
- If you want a commuter with excellent mileage, easy maintenance, and family use → Shine 100 DX.
This step saves you from regret later. Many buyers get swayed by looks but end up spending more on fuel and EMI than they can handle.
Step 2: On-Road Price Calculation – Don’t Be Fooled by Ex-Showroom Rates
The price you see in ads is always the ex-showroom price, but the on-road price is what matters.
On-road price includes:
- Ex-showroom price
- RTO Registration fees (~₹6,000–₹8,000)
- Insurance (~₹6,000–₹10,000 depending on coverage)
- Road tax (one-time)
- Accessories (₹2,000–₹10,000 depending on add-ons)
Expected On-Road Price (2025):
- Honda CB125 Hornet: ₹1.15 – ₹1.25 lakh
- Honda Shine 100 DX: ₹75,000 – ₹85,000
Always ask the dealer for a breakdown of on-road cost to avoid hidden charges.
Step 3: Financing Preparation – Bike Loans in India
Since most Indians buy bikes on loan, being prepared is crucial.
Key Loan Aspects:
- Down Payment: Usually 10%–20% of bike’s cost.
- Loan Tenure: 1–5 years.
- Interest Rate: 9%–15% (depending on credit score and bank).
- Processing Fees: 1%–3% of loan amount.
Loan Example (Hornet):
- Price financed: ₹1 lakh
- Tenure: 36 months
- Interest: 10%
- EMI: ~₹3,200/month
Loan Example (Shine):
- Price financed: ₹70,000
- Tenure: 36 months
- Interest: 10%
- EMI: ~₹2,250/month
Required Documents:
- Aadhar card
- PAN card
- Address proof
- Salary slip/ITR (for salaried/self-employed)
- Bank statements (last 6 months)
Pro Tips:
- Always compare SBI, HDFC, ICICI, and NBFCs.
- Negotiate for lower processing fees.
- If possible, pay higher down payment to reduce EMI burden.
Step 4: Insurance Planning – Don’t Overpay
By law, you must have third-party insurance. But for peace of mind, go for comprehensive insurance.
Insurance Options:
- Third-Party Only: Cheapest, ~₹2,000/year, but limited cover.
- Comprehensive: Covers damage, theft, accidents (~₹6,000–₹10,000/year).
- Add-ons: Zero depreciation, roadside assistance, engine protection.
Recommended Insurers (2025):
- ICICI Lombard
- Bajaj Allianz
- Acko (low-cost digital)
- HDFC Ergo
- Digit
Tip: Buy online—it’s cheaper than showroom offers.
Step 5: Showroom Preparation & Test Ride Checklist
Before booking:
- Visit 2–3 dealerships for better deals.
- Ask for a test ride (mandatory).
During the test ride, check:
- Comfort: Is the seat good for long rides?
- Suspension: Test on speed breakers.
- Brakes: Do they feel sharp & safe?
- Engine sound: Smooth, no knocking.
- Lighting & console: All features working.
Smart Move: Ask for freebies like helmet, seat cover, or extended warranty before finalizing.
Step 6: Documentation Checklist Before Booking
Keep these ready:
- Aadhar card (ID proof)
- PAN card (mandatory for loan)
- Address proof
- Passport-size photos
- Old bike RC (if exchanging)
- Loan approval documents
Being prepared avoids delays.
Step 7: Booking & Delivery Day – The Big Moment
Booking:
- Pay ₹2,000–₹5,000 as booking advance.
- Get a written delivery date.
On Delivery Day:
- Match chassis & engine numbers with RC.
- Inspect paint, tyres, electricals.
- Ensure bike has at least 2–3 liters of fuel.
- Collect: Invoice, RC book, Insurance, PUC, Warranty, Service booklet.
Take photos—it’s a memory you’ll cherish forever.
Step 8: First-Year Ownership Costs
Many forget this part.
- Fuel:
- Hornet → ~₹1,200/month (800 km/month).
- Shine → ~₹800/month.
- Insurance Renewal: ₹6,000–₹8,000/year.
- Servicing: First 3 services free; later ~₹1,000 each.
- Accessories: Helmet (mandatory), riding gloves, bike cover.
Budget for these to avoid surprises.
Step 9: Buying Tips – How to Save Money & Get the Best Deal
- Buy during festivals (Diwali, Navratri)—biggest offers.
- Compare 2–3 dealerships.
- Negotiate for freebies (helmet, Teflon coating).
- Avoid unnecessary accessories.
- Prefer online insurance.
- Check if college ID / corporate tie-ups offer discounts.
Step 10: Real Buyer Stories
- Ravi, Pune (CB125 Hornet Buyer): “I wanted a stylish bike for college. I compared Hornet with Pulsar 125. The Hornet won because of Honda’s smooth engine. My EMI is ₹3,100, which I manage with a part-time job.”
- Anil, Lucknow (Shine 100 DX Buyer): “My daily office commute is 30 km. I chose Shine DX for mileage. I pay ₹2,300 EMI. Fuel cost is less than my friend’s scooter. Happy with the decision.”
These stories show how different needs lead to different choices.
Conclusion – Ride Smart, Ride Prepared
Whether you choose the Honda CB125 Hornet for its sporty appeal or the Honda Shine 100 DX for practicality, the key is preparation. Budgeting, arranging loan, choosing the right insurance, test riding, and negotiating smartly make your buying experience smooth.
Your bike will be your companion for years—so buy it with clarity, not impulse. With this guide, you are now ready to walk into the showroom with confidence and ride out with pride.
Why Bike Buying Needs Preparation
Buying a bike is a dream for many Indians. For some, it’s their first vehicle and symbol of freedom; for others, it’s a reliable partner for daily commuting. But the excitement often makes people rush into showrooms without proper planning. A wrong choice can mean high fuel bills, heavy EMIs, or discomfort in the long run.
That’s why it is important to know the right steps before buying a bike. This guidance will help you make an informed decision so that your new ride suits both your budget and lifestyle.
Step 1: Define Your Purpose Clearly
Every bike serves a different purpose. Before buying, ask yourself:
- Daily commuting: Choose a 100–125 cc commuter bike with high mileage.
- Long rides / Touring: Go for a 200–400 cc cruiser or adventure bike.
- Sporty performance: If you want speed and thrill, choose a 150–300 cc sports bike.
- Family use: A comfortable commuter bike with long seat works best.
- Eco-conscious: Consider an electric scooter or electric motorcycle.
Knowing your purpose avoids confusion at the showroom.
Step 2: Fix Your Budget
Set a realistic budget before exploring options. Remember, the ex-showroom price is not the final cost. The on-road price includes:
- Registration fees
- RTO charges
- Road tax
- Insurance premium
- Accessories
Pro tip: Always keep 10–15% extra for hidden charges and accessories like helmets or seat covers.
Step 3: Compare Mileage and Maintenance
For Indian buyers, fuel efficiency (mileage) is a big factor.
- 100–125 cc bikes → 55–65 kmpl
- 150–200 cc bikes → 40–50 kmpl
- Sports bikes → 25–35 kmpl
Also, check maintenance cost. Some premium bikes have expensive spare parts and servicing.
Step 4: Research Loan and EMI Options
Most bikes today are purchased through loans. Be ready with:
- Down Payment: Usually 10–25% of bike’s price.
- EMI: Should not exceed 10–15% of your monthly income.
- Interest Rate: Compare banks (SBI, HDFC, ICICI) and NBFCs.
- Documents Required: Aadhar, PAN, bank statements, salary slip/ITR.
Tip: Use an online EMI calculator before committing to avoid financial stress.
Step 5: Choose the Right Insurance
Insurance is mandatory in India. You have two options:
- Third-party insurance – Cheaper but covers only damage to others.
- Comprehensive insurance – Covers theft, fire, own damage, and third-party.
Always prefer comprehensive with zero-depreciation add-on for full protection.
Step 6: Check Comfort & Ergonomics
Never buy a bike without a test ride. While riding, observe:
- Seat comfort
- Suspension on speed breakers
- Braking response
- Handle position (upright or sporty)
- Gear shifting smoothness
What looks stylish on paper may not be comfortable for daily riding.
Step 7: Evaluate Resale Value
Some brands like Honda, Hero, and Royal Enfield have higher resale value than others. If you plan to upgrade in a few years, consider how much you can recover.
Step 8: Inspect Showroom Offers & Timing
Dealers offer discounts during festive seasons (Diwali, Navratri, New Year). Look for:
- Exchange bonuses on old bikes
- Free accessories (helmet, seat cover, Teflon coating)
- Low-interest loan schemes
Step 9: Documentation Checklist
Keep the following ready:
- ID proof (Aadhar/PAN)
- Address proof (Driving license, utility bill)
- Passport-size photos
- Loan documents (if applicable)
Step 10: Delivery Day Checklist
When you finally get your bike:
- Verify chassis & engine number with RC book.
- Check paint, tyres, lights, and battery.
- Ensure at least 2 liters of fuel.
- Collect all documents – Invoice, RC, Insurance, PUC, Warranty, Service booklet.
Ride Prepared, Ride Smart
Buying a bike is one of the most memorable moments in life, but it becomes even better when you prepare wisely. By defining your purpose, fixing a budget, comparing mileage, planning finance, choosing insurance, and test riding, you ensure that your bike truly fits your lifestyle.
Remember, a bike is not just about looks—it’s about comfort, reliability, and financial peace of mind. Take your time, prepare well, and then enjoy the joy of riding your new machine with confidence.