Coverfox.com
  • Insurance
    • Car
      • Car Insurance
      • Companies
      • Third party car insurance
      • Comprehensive car insurance
      • Car insurance calculator
      • New car insurance
      • Zero Dep Car Insurance
      • Buy Car Insurance
      • Compare Car Insurance
      • Car Insurance Articles
      • Cashless Garages
    • Bike
      • Two Wheeler Insurance
      • Two Wheeler Insurance Companies
      • Two Wheeler Insurance Claim
      • Two Wheeler premium Calculator
      • Third party Bike insurance
      • Multiyear Bike Insurance
      • Bike Insurance Articles
    • Health
      • Health Insurance
      • Companies
      • Mediclaim Policy
      • Individual Health Insurance plans
      • Critical illness insurance
      • Senior citizen health insurance
      • Arogya sanjeevani policy
      • Health Insurance Articles
      • Network Hospitals
    • Term
      • Term Insurance
      • Companies
      • Life insurance
      • Life Insurance calculator
      • Term Insurance calculator
      • Life Insurance Plans
      • 1 crore term insurance
      • Compare Term Insurance
      • Buy Term Insurance
      • Term Insurance Renewals
      • Term Insurance Articles
      • Life Insurance Articles
    • Other Insurance
      • SME Insurance
      • Parametric Insurance
  • About Coverfox
    • About us
    • Insurance Blog
  • Claims
  • Contact us
  • Login
image title
TWO WHEELER INSURANCE

Best Bikes Under 4 Lakhs in India

Shashi Kumar 29 September 2025

Purchasing a bike has multiple stages of decision-making. From selecting the type of two-wheeler to setting a budget, each stage has equal importance and helps make your buying process easier.

Bikes under 4 lakhs in India

If you wish for entry-level premium bikes, but are confused about which one to choose, this list of the best bikes under the ₹4 lakh budget segment will give you a quick overview, helping you get the bike of your dreams.

Best Bikes Under ₹4 Lakhs in India 2025

Here are the best bikes you can buy in India for under ₹4 lakh in 2025, selected for a balance of performance, value for money and brand reputation.

Model Name Price Range (₹, Ex-showroom) Launch Year Bike Type
BMW G 310 RR 2.81 – 2.99 lakh 2022 (special edition 2025) Sport / Supersport
KTM RC 390 3.18 – 3.23 lakh 2014 (updated 2024) Sport / Supersport
BMW G 310 R 2.85 lakh 2018 (updated 2024) Naked / Street
Husqvarna Svartpilen 401 2.82 – 2.98 lakh 2018 (updated 2024) Naked / Street
KTM 390 Duke 2.97 lakh 2013 (gen-3 update 2023) Naked / Street
Yamaha MT-03 3.29 lakh 2024 Naked / Street
Benelli TNT 300 3.29 lakh 2025 Naked / Street
QJ Motor SRK 400 3.59 – 3.89 lakh 2024 Naked / Street
BMW G 310 GS 3.10 lakh 2018 (updated 2024) Adventure / Touring
Royal Enfield Himalayan 450 3.05 – 3.20 lakh 2023 Adventure / Touring
KTM 390 Adventure 3.68 lakh 2019 (updated 2025) Adventure / Touring
Royal Enfield Interceptor 650 3.32 – 3.51 lakh 2018 (updated 2025) Retro / Roadster
Royal Enfield Continental GT 650 3.49 – 3.77 lakh 2018 (updated 2025) Retro / Café Racer
Triumph Thruxton 400 2.74 lakh 2025 Retro / Café Racer
Ultraviolette F77 2.99 – 3.99 lakh 2019 (updated 2024) Electric Performance

Disclaimer: Ex-showroom prices above are indicative as of 2025 and shown in ranges where multiple variants exist. Prices vary by city, variant, and dealer, and exclude RTO, insurance, and accessories. Always check with an authorised dealer or the manufacturer’s official website for the latest pricing and availability.

bike
Get Bike Insurance Policy Starting @ ₹457*
Buy Now

BMW G 310 RR

The BMW G 310 RR is BMW’s entry into the lightweight, fully-faired sport segment, which has inculcatedae premium feel at a budget-friendly price. Its price ranges from ₹2.81 – 2.99 lakh, making it one of the most accessible BMW sportbikes in India. Key features include a 313cc single-cylinder engine with 34 PS power, upside-down front forks, and dual-channel ABS. If you’re more performance-oriented and want a compact sportbike for both city commutes and occasional track days, the G 310 RR is a perfect choice.

KTM RC 390

The KTM RC 390 is a fully-faired supersport that delivers sharp handling and aggressive design inspired by MotoGP aesthetics. Priced between ₹3.18 – 3.23 lakh, it offers excellent value in the 390cc category. Its features include a 373cc liquid-cooled engine, trellis frame, WP suspension, and fully-digital display. If you love high-revving performance and track-ready dynamics, the RC 390 is ideal for spirited rides on twisty roads or highways.

BMW G 310 R

BMW’s naked G 310 R is a prime example of premium quality with commuter-friendly usability. Its ex-showroom price is around ₹2.85 lakh. Features include a 313cc engine with smooth power delivery,a lightweight chassis, and digital instrumentation. If you need a commuter bike with weekend ride ability and a premium badge, the G 310 R is a reliable option.

Husqvarna Svartpilen 401

The Svartpilen 401 is a city-focused scrambler with minimalist styling and modern engineering. Its price range is ₹2.82 – 2.98 lakh. It stands out with a 373cc engine, high-set handlebars for upright riding, ana d lightweight chassis for city agility. If you want a stylish city bike with some off-road capability for weekend adventures, the Svartpilen 401 is a perfect fit.

KTM 390 Duke

The KTM 390 Duke is a lightweight naked streetfighter that has become synonymous with performance-oriented city riding. Priced at ₹2.97 lakh, it offers features like a 373cc engine, TFT display, LED lights, anda trellis frame for precision handling. If you’re more performance-oriented and want a bike that’s fun in the city and quick on the highway, the 390 Duke delivers a thrilling ride.

Yamaha MT-03

The Yamaha MT-03 is a naked sport roadster with attractive and excellent ergonomics. Its ex-showroom price is around ₹3.29 lakh. Key features includea 321cc parallel-twin engine, inverted front forks, and sharp LED headlights. If you need a commuter-friendly bike with sporty flair and occasional highway capability, the MT-03 balances fun and practicality well.

Benelli TNT 300

The Benelli TNT 300 is a muscular naked bike offering Italian styling at an affordable price. Ranging from ₹3.29 lakh, it features a 300cc parallel-twin engine, dual disc brakes, and a fully-digital instrument cluster. If you want a stylish urban commuter with enough performance for random spirited rides, the TNT 300 is a strong contender.

QJ Motor SRK 400

The QJ Motor SRK 400 is a compact 400cc naked bike combining sporty performance with practicality. Its price range is ₹3.59 – 3.89 lakh. Features includea liquid-cooled engine,a digital instrument cluster, and upright ergonomics. If you need a versatile city bike that can handle both daily commuting and occasional highway rides, the SRK 400 is suitable.

BMW G 310 GS

The BMW G 310 GS is BMW’s entry-level adventure motorcycle, perfect for beginners and enthusiasts alike. Priced at ₹3.10 lakh, it includes a 313cc engine, long-travel suspension, upright seating, and ABS. If you love weekend touring or exploring offbeat trails while keeping city usability, the G 310 GS is ideal.

Royal Enfield Himalayan 450

The Himalayan 450 is a rugged adventure tourer with Royal Enfield’s signature low-end torque. Its ex-showroom price ranges from ₹3.05 – 3.20 lakh. Features includa e 411cc engine, long-travel suspension, crash guards, and a comfortable upright riding position. If you want a durable adventure bike that’s capable of both city commutes and off-road exploration, the Himalayan 450 fits the bill.

KTM 390 Adventure

The KTM 390 Adventure brings full adventure touring capability to a lightweight chassis. Price is ₹3.68 lakh. Unique features includea 373cc engine, long-travel WP suspension, dual-purpose tyres, and full LED lighting. If you’re planning weekend trail rides or light touring but don’t want a heavy big-bore adventure bike, the 390 Adventure is perfect.

Royal Enfield Interceptor 650

The Interceptor 650 is a classic twin-cylinder roadster with smooth power delivery and retro styling. Its price range is ₹3.32 – 3.51 lakh. Key features includea 648cc parallel-twin engine, comfortable ergonomics, anda chrome-styled finish. If you want a cruiser for relaxed city rides and occasional highway touring, the Interceptor 650 offers timeless appeal.

Royal Enfield Continental GT 650

The Continental GT 650 is a café-racer styled twin with sporty ergonomics. Priced between ₹3.49 – 3.77 lakh, it offersa 648cc parallel-twin engine, clip-on handlebars, and retro-modern styling. If you enjoy weekend café-racer vibes with smooth twin-cylinder performance, this bike is tailored for you.

Triumph Thruxton 400

The Triumph Thruxton 400 is a modern classic café-racer with refined British engineering. Its ex-showroom price is ₹2.74 lakh. Features includea 400cc engine, café-racer ergonomics, anda premium finish. If you want a stylish, small-displacement café racer for city cruising and occasional long rides, the Thruxton 400 is an elegant choice.

Ultraviolette F77

The Ultraviolette F77 is India’s leading electric performance motorcycle offering high speed and tech-focused features. Price ranges from ₹2.99 – 3.99 lakh. Unique features include an electric motor with 147 PS equivalent power, fast charging, app connectivity, and aerodynamic design. If you want a futuristic, eco-friendly bike with instant torque and zero emissions, the F77 is perfect.

Note: The tax on premium bikes with engine capacity of over 350cc will increase by 22nd September, 2025, as pr the new GST 2.0 rules. Hence, bike prices may vary depending on the time you are reading this article.

Things to Consider Before Buying a Bike Under ₹4 Lakhs

Choosing a bike under ₹4 lakh isn’t just about performance or looks — it’s about finding a machine that fits your lifestyle, riding preferences, and long-term ownership expectations. Doing your research and weighing these factors carefully will help you select a bike that delivers satisfaction both on short city rides and long weekend journeys. When evaluating bikes in this price range, there are several key considerations like:

Intended Usage

Consider whether the bike will be used for city commuting, long-distance touring, weekend rides, or a combination of these. A commuter-focused bike may offer better mileage and agility, while an adventure or sportbike will prioritise performance and handling.

Engine Capacity & Performance

Think about how much power you need. Smaller engines are lighter and fuel-efficient, while higher-capacity bikes deliver better highway performance and more thrill on open roads. Matching engine performance to your riding style is essential.

Comfort

Evaluate the riding position, handlebar height, and seat design. Pillion comfort is also important if you often ride with a passenger. A bike that feels comfortable even on longer rides will make daily commutes and weekend trips enjoyable.

Mileage & Performance Balance

For many buyers, fuel efficiency is a key factor. Some bikes under ₹4 lakh provide spirited performance but may consume more fuel, while others offer excellent mileage but moderate power. Balancing these factors according to your priority is essential.

Brand & Service Network Reliability

A reputable brand with a wide service network ensures hassle-free maintenance and access to authorised service centres across cities. This is particularly important in India, where service coverage can vary by region.

Resale Value

Consider how well the bike holds its value over time. Bikes from established brands or popular models often have stronger resale potential, making it easier to upgrade in the future.

Maintenance Frequency & Cost

Understand the maintenance schedule and costs associated with the bike. Regular servicing, spare parts, and consumables can add up, so pick a model that fits your budget for upkeep.

Availability of Spare Parts

Check how easily parts are available locally. Bikes with widely available components ensure lower downtime and faster repairs in case of issues.

Can Bikes Under 4 Lakhs Impact Two Wheeler Insurance Premiums?

The ₹4 lakh segment for two-wheelers is a perfect sweet spot between daily commuter bikes and super bikes. You get the good of both sides, at a moderately priced tag. Same goes for bike insurance as well. A bike insurance for ₹4 lakh bike will not be as low as a commuter bike, but will not be as expensive as a sports or an imported super bike. Insurance premiums are calculated based on engine capacity of the bike, the market value (IDV), price, make and model of the two-wheeler etc. Also, bikes under this segment lure harmful attention – the risk of theft. Hence, having a bike insurance policy for bikes under ₹4 lakh is a must, even though it is at a moderate range.

Conclusion

In India, you can easily find the best entry level premium bikes at ₹4 lakh. This budget allows you to get a good performing bike, from a reputed manufacturer, and gain value for your money. It’s the perfect sweet spot, not too expensive that you have to break your bank, not too cheap that you have to miss out on features and accessories. While there is no particular “best bike under ₹4 lakh”, as every rider has their own needs, there are ample options to choose from. This list narrows down those options to ones that will suffice your riding requirements.

Also Read:

  • Best 400cc Bikes in India
  • Liquid Cooled Engine Bikes in India
  • 10 Gearless Bikes in India

Frequently Asked Questions

Which bike is best under 4 lakh in India?

While there are many contenders from KTM, BMW, Royal Enfield, etc. the best bike under ₹4 lakh is the one that suffice your riding requirements.

Which bike gives the best mileage under ₹4 lakh?

Among the bikes under ₹4 lakh, the BMW G 310 RR stands out with an impressive mileage of 30.3 kmpl.

What is the best bike under 4 lakhs in terms of performance?

KTM 390 Duke has a strong performance, and is a good entry level premium sports bike.

Can I get a good touring bike under ₹4 lakh?

KTM 390 Adventure and Royal Enfield Himalayan 450 are good options for touring bikes under ₹4 lakhs.

What is the average insurance premium for bikes under ₹4 lakh?

While the TP rates for bikes is set by IRDAI based on the engine capacity of the bike, a comprehensive policy can cost you a moderate premium amount – higher than regular commuters, but lower than imported sports and super bikes.

Which BMW bike is under 4 lakh?

The BMW G 310 RR, R and GS are BMW labels under ₹4 lakhs.

Insure your bike in 4 minutes.
Upto 85% discount.
expert assist 100% buying & claim support
express claims No Documentation or
Inspection
Rated 4.7/5

for Customer Satisfaction on Facebook
5,00,000+
Policies sold
last year
MUST READ
POPULAR OTHERS
Customize your two-wheeler insurance policy
Can fiber parts of a bike be covered under bike insurance
Bikes under 3 Lakhs in India
Best bike under 3 lakhs in India
 Reasons Your Bike Insurance Claim Can Be Rejected
Common Reasons Your Bike Insurance Claim Can Be Rejected
Difference Between Torque and BHP in Bikes
Difference Between Torque and BHP in Bikes
Engine Braking in Bike
What is Engine Braking in Bikes & How Does It Work?
Difference Between Bike Insurance and Bike Warranty
Bike warranty & bike insurance are different?
  • Top Companies
  • United India Two Wheeler Insurance
  • New India Two Wheeler Insurance
  • Bajaj Allianz Two Wheeler Insurance
  • National Two Wheeler Insurance
  • ICICI Lombard Two Wheeler Insurance
  • Reliance Two Wheeler Insurance
  • MOST POPULAR Makes
  • Suzuki
  • Yamaha
  • TVS
  • Bajaj
  • Royal Enfield
  • Honda
  • MOST POPULAR Models
  • Royal Enfield Classic
  • Honda Activa
  • Bajaj Pulsar
  • Royal Enfield Bullet
  • TVS Jupiter
  • Bajaj Dominar 400
  • GENERAL INSURANCE COMPANIES
  • National insurance
  • Oriental insurance
  • United India Insurance
  • Relience General Insurance
  • New India Assurance
  • TATA AIG General Insurance
  • Driving License
  • Driving License
  • Driving License Status
  • Driving License Renewal
  • Registration Certificate
  • Learning License
  • Delhi driving license
  • RTO
  • RTO
  • Uttar Pradesh RTO
  • Punjab RTO
  • Gujarat RTO
  • Madhya Pradesh RTO
  • Maharashtra RTO
icon Two Wheeler Insurance icon Articles icon Best Bikes Under 4 Lakhs India
×

Get Lowest Rates for bike Insurance

With Upto 85% Discount

  • Secure
  • Licensed By
  • Payment Options
  • Car Insurance
  • Bike Insurance
  • Motor Insurance
  • Car Insurance Premium Calculator
  • Family Health Insurance
  • Senior Citizens Insurance
  • Group Insurance
  • Corona Rakshak Policy
  • Corona Kavach Policy
  • Super Topup Plan
  • Term Insurance
  • ULIP
  • e-Term Plan
  • 1 Cr Term Insurance
  • कार इन्शुरन्स
  • टू व्हीलर इंश्योरेंस
  • टर्म इंश्योरेंस
  • हेल्थ इंश्योरेंस
  • मेडिक्लेम पॉलिसी
  • Learn About Insurance
  • Network Hospitals
  • Cashless Garages
  • Get Android App
  • Get iOS App
  • Learn
  • About Us
  • Contact Us
  • Careers
  • Sitemap
  • FAQs
Connect with us
Become a Partner
Become a Coverdrive POS Agent

Coverfox Insurance Broking Pvt. Ltd. : C Wing, 6111-6118, 6th Floor, Oberoi Garden Estate, Chandivali Farm Road, Chandivali, Andheri (East), Mumbai - 400072

Licence No. 478 , IRDA Direct Broker Code: IRDA/ DB 556/ 13 , Valid till: 26/12/2025, CIN: U66000MH2013PTC243810

  • Shipping & Delivery Policy
  • Privacy Policy
  • Legal Policies
  • Cancellation & Refund
  • Terms & Conditions
Copyright © 2025 Coverfox.com. All Rights Reserved