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Honda Shine EMI Calculator
Honda Shine EMI starts at Rs 2,779 per month for a tenure of 36 months @9.7 for a loan amount of Rs 86,844. The EMI Calculator tool on BikeDekho gives a detailed break-up of the total payable amount and helps you in finding the best bike finance for your Shine. (Calculated on On Road Price in Delhi)
Honda Shine Down Payment and EMI
| Shine Variants | Loan @9.7%. | Down payment | EMI (36 months) |
|---|---|---|---|
| Limited Edition | 92,113 | Rs. 10,235 | Rs. 2,967 |
| Disc | 91,129 | Rs. 10,126 | Rs. 2,932 |
| Drum | 86,844 | Rs. 9,649 | Rs. 2,779 |
Shortlist
Rs.82,722* onwards
EMI starts from ₹2,779
Calculate your Loan EMI for Shine
Down PaymentRs.
0Rs.0
Bank Interest Rate %
6%26%
Loan Period (Months)
Your monthly EMI
Rs.2,779*
Rate of interest@ 9.7%* for 36 Months
- Loan amountRs.86493
- Interest amountRs.13551
- Total Amount PayableRs.100044*
Find EMI of Shine Alternatives
Shine EMI FAQs
Q) What will be the lowest down payment for Honda Shine?
A) The lenders generally finance 90% of the value of the . Some customers might be eligible for 100% funding too. The down payment is the difference between the on-road price of the and the amount funded by a lender. This means the minimum possible down payment that you have to pay for Honda Shine includes the RTO and insurance charges.
Q) What will be the monthly EMI for Honda Shine?
A) EMIs or Equated Monthly Installments refer to the monthly payments you make to the lender to repay your loan. These payments include the principal amount as well as the interest i.e. EMI = Principal Amount + Interest on Principal amount. Mathematically, EMI for Honda Shine can be calculated using the following formula:
{P x R x (1+R)^N / [(1+R)^N-1]}
where, P = Principal amount of the loan, R = Rate of interest and N = Number of monthly installments.
For Example:- If the principal amount for a bike loan is Rs. ₹86,493/- on an annual rate of interest of 10% for a tenure of 3 years then
EMI = 86493 * 0.008333*(1+ 0.008333)^36 / ((1+ 0.008333)^36)-1 = Rs 2,779/-
The rate of interest (R) on your loan is calculated monthly i.e. (R= Annual rate of interest/12/100). For instance, if R = 10% per annum, then R= 10%/12 = 0.008333.
Q) What will be the interest rate for Honda Shine?
A) The interest rate for Honda Shine primarily depends on the principal amount and tenure of the loan amount. Interest rate of lenders generally varies from 9.7% per annum to 15% per annum. Customers can also negotiate with the financier for a better rate of interest against their loan amount.
Q) What will be the EMI for 3 years tenure for Honda Shine?
A) EMI for Honda Shine for 3 years tenure can be calculated as per the following formula:-
{P x R x (1+R)^N / [(1+R)^N-1]}
Where, P = Principal amount of the loan, R = Rate of interest, N = Number of monthly installments which will be 36 in case of 3 years tenure.
Honda Shine User Reviews
Based on475 User Reviews
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Popular Mentions
- All (475)
- Comfort (221)
- Mileage (210)
- Performance (135)
- Looks (121)
- Engine (117)
- Maintenance (74)
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- Bike positive and negative reviewsGood mileage on highway and pickup is mind blowing, I love this bike this is the best bike for daily use, i'm using very roughly and i spent 250 rupees of petrol in this bike, and cover 150 km smoothly, that's why i love this bike. This bike is very comfortable with my experience because I drive this bike daily approx 120/130 kms using 180-200 ruppes of petrol in that also bike will save some petrol in the performance of controlling this the best bike. This is the best bike under budget, excellent for middle class family because mileage is good and low cost maintenance, and budget friendly bike, and i love the bike look i don't face any problems in this bike, and one more thing. Company want to improve this type of bike gear system because this bike gear problem is a major problem.Read More
- Honda shine one of the best all rounder 2 wheelerExcellent bike with smooth performance, great mileage, and low maintenance. The Honda Shine is comfortable for daily commuting and reliable for long-term use. I’ve had a very good ownership experience and would recommend it to anyone looking for a practical and dependable bike. This is one of the all rounder in two wheeler.Read More1
- Honda shyne me bahut problem face karni karti haiI already had a Honda Shine 125 cc which was working better, keeping that in mind, I bought my second Honda Shine 125 cc in November 2025, but I felt that the quality was compromised in it. Earlier I used to praise Honda's engine a lot, but not anymore. My first Honda Shine was running very well so I did not buy it whereas my new bike is having a lot of problems like engine oil leakage and gear shifting and I am very sad to see that. Now I will not tell anyone to buy Honda Shine. Compared to the old Honda Shine, the new Honda shine is made of very poor quality. The metal used in it is also of very poor quality. The engine is losing oil very fast and the gears in the gearbox are also slipping.Read More2
- Middle family members bikeI purchases shine bike because of this bike condition, seating capacity, break, clutch everything is fine working. My neighbours also chose this bike, many people are using this. Wheels are in very good condition. This bike is good for long journey 300 kms at a time. No pains, smooth drive, comfortable riding, no shaking, two members capacity in ride. Offroad driving is also very easy. Lot of people driving this. My neighbour use this and suggested lot of people this bike, used in now days but small major problems faced and another things are very good. Present middle class family can purchase this, I seen this type so I also purchased this.Read More1 2
- honda shine classicHonda shine has so many features that every person required, It's about long run and its been kind to us, i mean honda reliability is pretty good, its basic but gives good mileage, pretty everything nothing extra thats it for me. Its been pretty good i mean its has issues like power dop that gear shifting becomes a ritual for this low cc bikes cant argue, but long rides feels so smother and good definetly smoother point thats it. yeah, if youre riding in rural and urban areas it goes both ways smoother rides on the flats roads, never had a issue with thing except for the fact it looks so basic, and i can get over it, thats me except its pretty good.Read More2
- Best for mileage, comfort,style, for middle classBudget friendly, smooth, comfort, mileage, maintenance, enough for small family and also good services centre's, servicing charges are little bit budget friendly, no extra charges, for regular office usage. Firstly, good for small family as comfort wise, smooth engine so smooth driving, mileage wise it's good an and average mileage will be getting, in highways can expect good mileage, handling is so smooth and confident. Middle class people can afford this bike, more likely to suggest for office employees can drive smoothly, and also mileage wise budget friendly, affordable maintenance, so i can strongly recommend this bike.Read More1 1
- best budget stylish bike is shine 125.I choose shine 125 bike because it is very good looking, very nice and stylish bike. Best for comfortable ride, best for mileage, best for smooth riding experience, best for pickup and best suspensions, easily start. So far, shine 125 bike is best for mileage. It gives mileage around around 58 to 62kmpl. Best comfortable ride and smooth ride in all time. Best for highways and street roads. Very nice experience when riding this bike, I really like this bike. I would really recommend to purchase this bike because of the best mileage, best in comfort, best for ride, best in looks, strong body parts, best for light. Overall this is best bike. Good suspension.Read More8 5
- It has so much pros that we can ignore cons... take testride then decideI owned this this bike for almost 5 years and odometer reading is 81000kms. Pros: 1.Extremely good for daily commute because of its lightweight and Manoeuvrability. 2.Fuel economy is extremely good which is around 60+ kmpl. 3.Does not need much cost to maintain. Just do the regular services and you are good to go. 4.Parts availability is quite good. 5.Also comfortable for long rides upto 100km. cons: 1.Its such parts brakes shoes, racer, chain sprocket, wear out frequently. 2.Rusting started appearing after one year of purchase.Read More4 5
- My Experience with honda shineIt was a decent and nice performing 125cc, and smooth for city and highway rides, nice pick up speed as of a 125ccs, reliability, and also as it was my first bike, that's why I choose this to buy first. Comfort is very nice, I'm thinking it needs a little improvement in braking, but it is good too. As I ride almost 40km daily it's a nice bike, nice acceleration and quick response, no too noisy, just a little vibration issue on high speeds. This is a good bike for beginners, who are learning to ride or even good for job and for people who want comfort and daily travelling, I will not recommend if you want to go high speeds cause braking is not that good and it vibrate at speeds above 60-70km/hr.Read More5 7
- 2 year experience and feelAfter longterm daily use Honda Shine proves it's a choice trusted. Comfort is excellent for regular city rides and bad road, with a relaxed seating position and smooth suspension that handles bad roads easily. Mileage is consistently impressive, making it ideal for riders who want low running costs without compromising performance. The black and red color gives the bike a premium and sporty appeal, suitable for all age groups. Performance is refined, reliable, and hassle-free, especially in traffic. Overall, Honda Shine is a smart investment for practical riders. BikeDekho’s detailed information and genuine reviews make choosing such dependable bikes much easier.Read More5 2
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Disclaimer :
Disclaimer : As per the information entered by you the calculation is performed by EMI Calculator and the amount of installments does not includes any other fees charged by the financial institution / banks like processing fee, file charges, etc. The amount is in Indian Rupee rounded off to the nearest Rupee. Depending upon type and use of vehicle, regional lender requirements and the strength of your credit, actual down payment and resulting monthly payments may vary. Exact monthly installments can be found out from the financial institution.
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