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    Honda SP 125 EMI Calculator

    Honda SP 125 EMI Calculator

    Honda SP 125 EMI starts at Rs 3,022 per month for a tenure of 36 months @9.7 for a loan amount of Rs 93,649. 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 SP125. (Calculated on On Road Price in Delhi)

     

    Honda SP 125 Down Payment and EMI

    SP125 VariantsLoan @9.7%. Down paymentEMI (36 months)
    Anniversary Edition97,285Rs. 10,810Rs. 3,119
    DLX1,01,110Rs. 11,235Rs. 3,256
    STD93,649Rs. 10,406Rs. 3,022
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    Shortlist
    Rs.88,528* onwards
    EMI starts from ₹3,022
    View Finance Offers

    Calculate your Loan EMI for SP125

          Down PaymentRs.
          0Rs.0
          Bank Interest Rate %
          6%26%
          Loan Period (Months)
          Your monthly EMI
          Rs.3,022*
          Rate of interest@ 9.7%* for 36 Months
          • Loan amountRs.94055
          • Interest amountRs.14737
          • Total Amount PayableRs.108792*
          • Get EMI offers

          Find EMI of SP125 Alternatives

          SP125 EMI FAQs

          Q) What will be the lowest down payment for Honda SP 125?
          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 SP 125 includes the RTO and insurance charges.
          Q) What will be the monthly EMI for Honda SP 125?
          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 SP 125 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. ₹94,055/- on an annual rate of interest of 10% for a tenure of 3 years then  EMI = 94055 * 0.008333*(1+ 0.008333)^36 / ((1+ 0.008333)^36)-1 = Rs 3,022/- 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 SP 125?
          A) The interest rate for Honda SP 125 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 SP 125?
          A) EMI for Honda SP 125 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 SP 125 User Reviews

          4.6/5
          Based on258 User Reviews
          Write a Review & Win ₹5000
          Popular Mentions
          • All (258)
          • Mileage (145)
          • Comfort (140)
          • Looks (115)
          • Engine (83)
          • Performance (68)
          • Seat (46)
          • More...
          • Latest
          • L
            lithin on Apr 11, 2026
            4.2
            Excellent bike with outstanding milage
            I was looking for a 125cc bike, upon reaching finalized to 2 options sp125 and TVS raider. Raider was sportier and done a test drive for both. I previously owned a TVS jupiter, service of TVS was pathetic. Finally concluded to buy sp125. Excellent mileage getting around 79 to 81 mixed driving condition city and highway. Drive around 100 to 150km per day. Only issue I faced is the seat, It's not comfortable. I have driven many scooter's/bike's and it's the worst seat of all. I would definitely recommend this bike if you are looking for a bike with excellent mileage. It's a 125cc bike, if you drive accordingly to that you can squeeze more mileage out of it. If you drive aggressively don't expect mileage. You have to modify the seat or any alternative arrangements to make the drive more comfortable.
            Read More
            8 3
          • S
            shibanarayan on Mar 27, 2026
            5.0
            Amazing Experience ,Looks good,
            I am very happy with my Honda SP 125. It is a stylish and reliable bike with very good mileage. The engine is smooth and riding is comfortable for daily commuting. This bike is reliable and fuel efficient bike. The Maintenance cost is also affordable. Overall it is a great bike in the 125cc segment.
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            4 4
          • D
            dev on Mar 14, 2026
            4.3
            Best in milage and in performance
            My friend have this bike therefore I also bought and I got suprise this bike is really good in mileage and in performance sometimes my sp gives 65-70 kms mileage this is too good for who thus want high mileage and 125 cc powerful engine. I ride 120 kms non stop. I had gone indore to maheswar with this bike in 1 and half liter i cover over 120kms plus i really got shocked this bike is good for long trips and ride and have better comfortable. Yes ofcourse this bike is genuine choice for middle class people in india because of high fuel rates and this bike have good mileage as per mine this is good engine efficiency and have comfort for your homies and family.
            Read More
            2 5
          • S
            sahil on Feb 16, 2026
            4.2
            Best and affordable bike within 125 cc with power
            Wanted to switch to a bike for everyday use that is affordable, has good mileage, and has a decent look, useful for both younger and older generations. This one was the only choice within the 1 to 1.10 lakh range. The overall experience of a bike was decent to use in daily city rides with good mileage and pretty good comfort with enough power that can be useful in traffic also . The pilion comfort is a like a cherry on top. Yes, definitely I would recommend this bike as a primary bike for youth also can be great alternative for higher cc bikes that cannot be used for daily rides and can not be used in city. This is a very good option as a first bike of anyone who wants to go with some extra power also can be useful for elder people.
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            7 1
          • P
            prem on Feb 12, 2026
            5.0
            Best bike aur sasti
            Yeh bahut badhiya bike hai for daily use mileage bhi accha detai hai kyuki isme badhiya engine laga hua hai esliye badhiya hai mene esa bike ko buy Kiya bahut time ho gaya abhi tak mileage kam nahi hua. Bike comfortable hai chanalai mai kyu ki mileage accha deta hai engine smooth chalta hai aur break bhi jaldi lagjata hai clutch bhi thik hai aur bhi badhiya hai design bhi badhiya hai kuch jada hi badhiya hai. Yes I recommend this bike because this bike is so amazing and mileage bhi best hai disc brake bhi badhiya hai traffic mai bhi thik chalta hai smooth bhi hai for average height rider best hai kyu ki bike sasti bhi hai.
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            5 5
          • R
            rehan on Feb 07, 2026
            4.5
            This bike is very good; there is nothing wrong wit
            This bike is very good, it is very comfortable, the mileage of this bike is also very good, this bike makes us feel very good, there is a lot of safety in this bike, the feeling while riding this bike is also good, if there is any short coming in this bike, everything is there in this one bike. So far, I've really enjoyed riding this bike. It felt great, and I had a wonderful experience. I didn't find any flaws in this bike. It's very enjoyable to ride, and I also got good mileage. This bike is very comfortable for everyone. So far, I've really enjoyed riding this bike. It felt great, and I had a wonderful experience. I didn't find any flaws in this bike. It's very enjoyable to ride, and I also got good mileage. This bike is very comfortable for everyone.
            Read More
            1 6
          • T
            tushar on Jan 22, 2026
            4.5
            Honda SP 125 – A Reliable and Fuel-Efficient Commu
            I chose the Honda SP 125 after careful consideration of my daily commuting needs and budget. My main priority was to find a bike that offers good mileage reliable performance and low maintenance cost. The SP 125 stood out because of Honda trusted engine quality modern features and comfortable design. The stylish look and digital instrument cluster also added to my interest making it a practical yet attractive choice ride experience has been very pleasant. The engine feels smooth and refined especially in city traffic. Gear shifting is easy and acceleration is steady without any jerks. The suspension handles bumps and uneven roads quite well which makes daily travel comfortable. Even after longer rides I do not feel much fatigue. The seating posture is upright and relaxed which suits regular office commuting. Handling is light and the bike remains stable at normal riding speeds. Mileage has been impressive which is a big advantage in today fuel price conditions. Maintenance cost is reasonable and Honda service network gives peace of mind for long term ownership. Yes I would definitely recommend this bike. It is an excellent option for riders who want a reliable fuel efficient and comfortable commuter motorcycle. While it is not meant for aggressive sports riding it perfectly fulfills the needs of daily users.
            Read More
            6 9
          • N
            nena on Jan 13, 2026
            5.0
            Overall good service
            Very nice looking and full comfortable with safety. Best mileage comfortable seat long drive easily. Design is very beautiful and fantastic looking for customer attraction combination abs break system, fully featured and extra feature add on so very amazing. I like it Honda sp shine 125 25year anniversary addition.
            Read More
            2
          • S
            shivansh on Jan 11, 2026
            4.7
            Pocket friendly option and suits the personality
            I need a option which provide me a good mileage with nominal service cost with stylish looks and as per my requirement and budgets, thats the perfect option which suits me thats why I choose this bike. Overall bike is good, but company needs some improvement which benefits the company alot. Just like improving the gear box and front light because after some time gears will be tighten and light will be dull in vision. Everybody chose this bike who has nominal budget because honda shows the reliability with his name and fame. Lots of things are good in this segment. My honest opinion is go and purchase the bike because you will get the honda sp 125 in the budget of splendor.
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            1 1
          • S
            shubhranil on Jan 10, 2026
            4.3
            True Riding Review Of Honda SP 125
            Almost every average Indian can afford and maintain this bike very easily. It has a mind blowing mileage of 65 kmpl according to road and riding type and the maintenance of this bike is very low. I changed front forks oil after 10k kms and brake pads at 20k kms . Honda spare parts are mostly available rather than other brands except Hero. It might vary according to location. If we talk about positives, there is a long list. First of all mileage and maintenance is very affordable. long seat can easily carry 3 persons and Honda reliability is a great point to consider. negativity is only I faced that the rear suspension gets harder after a few months. I would recommend this bike who wants a no nonsense bike for daily commuting, low maintenance, high quality reliability and brand support. I would only tell not to take this bike if daily commuting is on bad roads then I would recommend glamour or super splendor for comfortable rear suspension. otherwise there is no problem.
            Read More
            3 2
          • View All Honda SP 125 Reviews

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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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          *Ex-showroom price in Delhi
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