Bike On-road price calculator
Note: This bike On-road price calculator is currently available only for Kerala, Tamil Nadu and Maharashtra states and will soon expand to other states in India. Also please note that we had tried our best to integrate latest data to calculator. To get precise Two wheeler on-road price in India you might need to get in touch with respective company showroom.
Buying a new bike or scooter? The sticker price is just the beginning. With taxes, insurance, and registration fees, the final amount you pay—your on-road price—can be much higher. Our bike On-road price calculator explains each step in simple terms. So lets get into the details.
1. Ex-Showroom Price
What it is: The price you see at the showroom (this price includes GST).
Why it matters: It’s the base price that is offered from the showroom as the name suggests. — all other fees are calculated on top of this. Here our Bike On-Road Price Calculator help you to calculate on-road prices.
2. Road Tax
What it pays for: Used for road maintenance and infrastructure in your state. One-time charge and in some states there is an option for yearly payment also.
Rates by State
Tamil Nadu
| State | Price Range | Tax Rate |
|---|---|---|
| Tamil Nadu | Up to ₹1,00,000 | 10% |
| Tamil Nadu | Above ₹1,00,000 | 12% |
Kerala
| State | Price Range | Tax Rate |
|---|---|---|
| Kerala | Up to ₹1,00,000 | 13% |
| Kerala | ₹1,00,000–₹2,00,000 | 15% |
| Kerala | Above ₹2,00,000 | 21% |
Maharashtra
| State | Displacement Range | Tax Rate |
|---|---|---|
| Maharashtra | Up to 99cc | 10% of the exshowroom cost |
| Maharashtra | Between 99cc and 299cc | 11% of the exshowroom cost |
| Maharashtra | Above 299cc | 12% of the exshowroom cost |
Tip: Multiply your ex-showroom price by the tax rate to get the road tax amount.
3. Comprehensive Insurance
This covers damage to others (Third-Party) involved in the accident and to your own bike (Own Damage). So basically it is a combination of both providing insurance for both involved in the accident.
a. Third-Party (TP) Premium
Why it’s mandatory: Covers injury or damage you cause to other people or property.This is mandatory as per rule of Government of India. See below table for how Third party premium rates are calcuated as per IRDAI of 2025. Calculation is purely based on Engine capacity or displacement.
| Engine (cc) | TP Premium |
|---|---|
| Up to 75cc | ₹538 |
| 76cc–150cc | ₹714 |
| 151cc–350cc | ₹1,366 |
| Above 350cc | ₹2,804 |
b. Own Damage (OD) Premium
What it covers: Repair or replacement if your bike is damaged, stolen, or lost.
Step 1: Find IDV (Insured Declared Value)
IDV is the bike’s market value after depreciation. As the bike ages, its value goes down. See below table for detailed rates
| Bike Age | Depreciation |
|---|---|
| Up to 6 months | 5% |
| 6 months–1 year | 15% |
| 1–2 years | 20% |
| 2–3 years | 30% |
| 3–4 years | 40% |
| 4–5 years | 50% |
Formula: IDV = Ex-Showroom × (1 – Depreciation ÷ 100)
Step 2: Choose Your Insurer Rate
The rate is per ₹1,000 of IDV. Pick your insurer from the table below:
| Insurer | Upto 75cc | 76cc–150cc | 151cc–350cc | Greater than 350cc |
|---|---|---|---|---|
| Acko General Insurance | 6 | 7 | 12 | 18 |
| Bajaj Allianz GI | 7 | 8 | 12.5 | 20 |
| Cholamandalam MS GI | 7.5 | 9 | 13 | 22 |
| Future Generali FI | 6.5 | 8 | 12 | 20 |
| Go Digit General Insurance | 6 | 7.5 | 12 | 18 |
| HDFC ERGO GI | 6.5 | 8.5 | 14 | 22 |
| ICICI Lombard GI | 6 | 8 | 14 | 25 |
| IFFCO-Tokio GI | 7 | 9 | 15 | 25 |
| Kotak (Zurich Kotak) GI | 6.5 | 8 | 12 | 20 |
| Kshema General Insurance | 7 | 9 | 14 | 25 |
| Liberty General Insurance | 6 | 8 | 15 | 25 |
| Magma HDI (Magma GI) | 6 | 8 | 13 | 22 |
| National Insurance | 7.5 | 9 | 15 | 25 |
| Navi General Insurance | 5.5 | 7 | 12 | 18 |
| Raheja QBE GI | 7 | 9 | 15 | 25 |
| Reliance General Insurance | 6 | 8 | 14 | 25 |
| Royal Sundaram GI | 7 | 9 | 15 | 25 |
| SBI General Insurance | 6.5 | 8 | 14 | 25 |
| Shriram General Insurance | 6.5 | 8 | 12 | 25 |
| Tata AIG GI | 6 | 8 | 14 | 25 |
| The New India Assurance | 8 | 10 | 15 | 25 |
| Oriental Insurance | 8 | 10 | 15 | 25 |
| United India Insurance | 8 | 10 | 15 | 25 |
| Universal Sompo GI | 6.5 | 7.9 | 15 | 25 |
| Zuno General Insurance | 7 | 8.5 | 12 | 22 |
Formula: OD Premium = (IDV ÷ 1,000) × Rate
Step 3: Add TP + OD
Total Insurance = TP Premium + OD Premium
4. RTO & Registration Fees
Fixed government and service charges which includes state and central goverment amount
| State | Fee | Amount |
|---|---|---|
| Tamil Nadu | Registration | ₹300 |
| Tamil Nadu | Road Safety Tax | ₹375 |
| Tamil Nadu | Handling Fee | ₹100 |
| Kerala | Registration | ₹600 |
| Maharashtra | Registration | ₹300 |
5. Total On-Road Price
How it’s calculated:
- Ex-Showroom Price
- + Road Tax
- + Total Insurance (TP + OD)
- + RTO & Registration Fees
7. Sample example using above data and calculation
Imagine:
- State: Tamil Nadu
- Ex-Showroom: ₹1,20,000
- Age: Up to 6 months
- Engine: 150 cc (TP ₹714)
- Insurer rate: ₹7 per ₹1,000 IDV
| Step | Formula | Value |
|---|---|---|
| IDV | 120,000 × 0.95 | ₹114,000 |
| OD Premium | (114,000 ÷ 1,000) × 7 | ₹798 |
| Total Insurance | 714 + 798 | ₹1,512 |
| Road Tax | 12% of 120,000 | ₹14,400 |
| RTO Fees | 300 + 375 + 100 | ₹775 |
| On-Road Price | Sum of above | ₹136,687 |
Reference Links
FAQ related to Bike Onroad Price Calculator in India
1. What exactly is “on-road price,” and how is it different from the ex-showroom price?
The on-road price is the total amount you pay to have a bike delivered. It starts with the manufacturer’s ex-showroom price and adds state-specific taxes (road tax, VAT/GST), registration fees, insurance premiums, and handling or logistics charges.
2. What inputs do I need to use this calculator?
- Your state or union territory
- The ex-showroom price of the bike
- Vehicle Age
- Engine Capacity
- Insurance Company
3. How accurate are the results?
The calculator pulls typical state-wise road tax rates and standard insurance premiums based on average market data. However, dealer handling fees and optional add-ons may vary, so use the output as a close estimate rather than a final invoice.
4. Can I compare on-road prices across different states?
Yes. Change the “State” dropdown to see how taxes and fees differ. This is handy if you consider registering for a bike in a neighbouring state with a lower road tax.
5. Does the calculator include hypothecation or loan processing charges?
No—this tool focuses on statutory charges (taxes, registration) and insurance. If you’re financing your bike, ask your lender for their finance processing fees separately.
6. I want to upgrade my insurance add-ons—can I adjust those?
The basic calculator lets you choose third-party vs. comprehensive coverage. For add-ons (zero-depreciation, roadside assistance), please check out our team’s Comprehensive Bike Insurance calculator.
7. Can I use this calculator for a used or pre-owned bike?
Yes—with a caveat. Input the current ex-showroom equivalent price (or fair market value) as assessed by your insurer/dealer. Road tax and registration won’t change unless you’re re-registering in a new state.
8. Why does the on-road price change if I select a different insurance tenure?
Insurance premiums often come with discounts for longer tenures (two-year, three-year). By selecting a longer policy, you’ll see a higher total premium but lower per-year cost, which affects the overall on-road price.
9. What if I don’t know the exact ex-showroom price?
The ex-showroom price can usually be found on the manufacturer’s website or by calling your nearest authorized dealer. If you use an approximate figure, expect minor deviations in the final on-road cost.
10. How often are the tax rates and insurance rates updated in the calculator?
BikeLeague India aims to update statutory tax slabs and average insurance rates at the start of each financial quarter (April, July, October, January). If you notice any significant discrepancy, please let us know via the contact form so we can correct it promptly.