Important Factors to Consider Before Buying a New Bike

Purchasing a new bike in India is an exciting yet significant decision. A two-wheeler offers not just convenience but also independence, especially in cities and towns where traffic congestion and narrow roads are everyday challenges. However, with a plethora of options available in the market, making the right choice can be overwhelming. To simplify your buying journey, here are the essential factors you need to consider before purchasing a new bike in India.

1. Determine Your Purpose

The first step is to identify why you need a bike. Are you buying it for daily commuting, long-distance travel, off-road adventures, or as a secondary vehicle for quick errands? Different bikes cater to different needs. For example:

• Commuter bikes are ideal for daily use and are fuel-efficient.
• Sports bikes focus on speed and performance.
• Cruiser bikes are designed for long-distance comfort.
• Adventure bikes suit off-road trips.

2. Set Your Budget

Before exploring options, establish a clear budget. This helps narrow down your choices and prevents overspending. Remember to account for additional costs like insurance, registration fees, and maintenance expenses.

3. Understand the Engine Capacity

Engine capacity, measured in cubic centimeters (cc), determines the bike’s performance. A higher cc typically means more power but may result in lower fuel efficiency. For city commuting, a 100cc to 150cc bike suffices, while riders seeking adventure or speed might prefer bikes with an engine capacity of 200cc or above.

4. Evaluate Fuel Efficiency

In India, fuel efficiency is a critical factor for most buyers due to fluctuating fuel prices. Look for bikes that offer high mileage if you aim to minimize running costs. Brands often provide fuel efficiency ratings, but real-world mileage might vary based on riding habits and road conditions.

5. Assess Maintenance and Spare Parts Availability

Maintenance is an ongoing cost that many buyers overlook. Choose a bike with affordable maintenance and widely available spare parts. Opting for a popular brand ensures that servicing centres and spare parts are easily accessible.

6. Consider Comfort and Ergonomics

Your bike should complement your body type and offer a comfortable riding posture. Factors like seat height, handlebar position, and foot-peg placement significantly impact comfort, especially during long rides. Take a test ride to gauge how well the bike suits your physique.

7. Research Safety Features

Safety should be a top priority when buying a new bike. Ensure the bike comes with essential safety features like:

• Anti-lock Braking System (ABS): Prevents wheel lockup during sudden braking.
• Disc Brakes: Offer better stopping power compared to drum brakes.
• Good Tyres: Look for tyres that provide excellent grip on various surfaces.

8. Check Reviews and Ratings

Before finalizing your decision, read reviews from other bike owners and expert reviewers. Reviews give insights into the bike’s performance, durability, and potential issues. Ratings on aspects like mileage, comfort, and maintenance help make an informed choice.

9. Opt for the Right Bank for a Loan

If you’re planning to finance your bike, choosing the right bank or lender is crucial. Consider the following when comparing loan options:

• Interest Rates: A lower interest rate reduces the overall cost of the bike.
• Processing Fees: Check if the bank charges a reasonable fee for loan approval.
• Repayment Tenure: Choose a flexible tenure that aligns with your financial capacity.
• Prepayment Options: Ensure the bank allows prepayment without hefty penalties.

Ujjivan offers two-wheeler/bike loans at affordable rates. You can get up to 100% financing* of the on-road price of the vehicle with Ujjivan’s Chakra Loan.

10. Decide Between Petrol, Electric, or Hybrid

With the rising popularity of electric vehicles (EVs), you now have multiple options:

• Petrol Bikes: Widely available and easy to refuel but subject to fluctuating fuel prices.
• Electric Bikes: Environmentally friendly and cost-effective in the long run but may have limited range and charging infrastructure.
• Hybrid Bikes: Combine petrol and electric power, offering the best of both worlds.

Choose based on your daily usage, environmental considerations, and access to charging stations.

11. Examine Insurance Policies

Bike insurance is mandatory in India, but not all policies offer the same coverage. Compare insurance plans and opt for comprehensive coverage that protects against theft, accidents, and third-party liabilities. Some insurers also offer add-ons like:

• Zero depreciation cover
• Engine protection cover
• Roadside assistance

12. Check Warranty and After-Sales Service

A good warranty period and reliable after-sales service reflect the manufacturer’s confidence in their product. Verify the warranty terms and the number of service centers in your area.

13. Plan for Resale Value

While buying a new bike, consider its resale value. Bikes from well-known brands tend to have better resale value due to their reliability and demand in the second-hand market.

14. Look for Offers and Discounts

Manufacturers and dealers often provide festive or year-end discounts. These offers may include cash discounts, free accessories, or extended warranties. Keep an eye on such deals to save money.