Protect Your Two Wheeler From All Kinds Of Risks

Comprehensive, Third Party And Own Damage Bike Insurance At Tempting Premium

Protect Your Two Wheeler From All Kinds Of Risks

Comprehensive, Third Party And Own Damage Bike Insurance At Tempting Premium

Best Bikes Under ₹3.5 Lakhs

  • Author :
  • TATA AIG Team
  • Published on :
  • 15/07/2022

The Indian two-wheeler industry is a huge one, with more than 15 million two-wheelers being sold every year since 2015. Numerous local and global two-wheeler manufacturers sell their products in the country. These include Hero MotoCorp, TVS Motor Company, Bajaj Auto, and Honda, among many others.

And just like the sellers, the two-wheeler buyers in India are also highly diversified. While for some of them, bikes are only the cheapest mode of private transport, for others, it is a symbol of their class and passion. Although there is no dearth of choices when it comes to budget bikes in the range of ₹1 lakh to ₹1.5 lakh, the options start narrowing when it comes to bikes under 3.5 lakhs.

Having said that, we must tell you that the sale of premium bikes in India has grown significantly over the last few years. An increasing number of people are willing to spend their money on buying spirited sports bikes. So, if you’re also looking for the best bike under 3.5 lakhs in India, we are here to help you out.

Just an additional piece of information, a premium bike would demand a higher maintenance cost and would require costlier insurance for the 2-wheeler. Therefore, we have exclusively added a section on how to choose insurance for your 2-wheeler later in this blog. Do check it out.

Best Bikes Under ₹3.5 Lakhs In India

Below is a list of some of the best bikes under 3.5 lakhs in India. You can explore various options in this list based on their features, torque, mileage, power, and prices to make the best choice as per your requirements.

  • TVS Apache RR 310

We start this list with a bike belonging to the highly successful TVS Apache series. The TVS Apache 310 is the most powerful sibling in the Apache series with a 312-cc reverse inclined, single-cylinder BMW engine. It can generate a maximum power of 34 PS and a maximum torque of 27.3 Nm. This fantastic sports bike under 3.5 lakhs comes with four riding modes – Track mode, Sports mode, Urban mode, and Rain mode. This bike can also deliver a good fuel efficiency of 33.1 kilometres per litre, as claimed by the manufacturer. It also has an impressive list of features which includes a TFT display, full-LED lighting, dual-channel ABS, and a slip-and-assist clutch.

For its riding ergonomics and aerodynamic design, this can be classified as the best sports bike under 3.5 lakh, as compared to other bikes mentioned here. This powerful TVS bike comes in only one variant, and its ex-showroom price in India starts from ₹2.65 lakhs.

  • KTM 390 Duke

The second bike on this list is from the KTM, which is considered a youth-favourite brand in India. Everything about this bike, be it its powerful engine or some extraordinary features, can leave you mesmerised. The KTM 390 Duke comes with a 373.3-cc liquid-cooled, DOHC single-cylinder engine that can deliver a mind-blowing performance.

The maximum power output this engine can generate stands at 45 PS, and the maximum torque stands at 37 Nm. Then, there is a 6-speed gearbox with a slipper clutch.

The list of features of this powerful sports bike under 3.5 lakhs is endless. It has a steel trellis frame around its body, a USD fork at the front and preload-adjustable mono-shock at the rear, and a 320-mm + 230-mm disc brake combo. The design is sharp, edgy, and aggressive. There is an all-LED lighting setup, long tan extensions, a TFT display with Bluetooth connectivity, and dual-channel ABS.

This bike is also offered in a single variant, and its ex-showroom price in India starts from ₹2.92 lakhs.

  • Kawasaki Ninja 300

When it comes to premium sports bikes, Kawasaki is a brand that you cannot ignore. It has launched the all-new version of its Ninja 300 in 2022, which comes with an exciting 296-cc liquid-cooled, parallel-twin engine that can deliver a maximum power of 39 PS at 11,000 RPM and a maximum torque of 26.1 Nm at 10,000 RPM. The Kawasaki Ninja 300 is equipped with a 6-speed gearbox and 37-mm front telescopic fork with a five-way adjustable gas-charged rear mono-shock. Braking is done via a 290-mm petal-disc setup at the front and a 220-mm disc at the rear.

Like other bikes on this list, the design of this sports bike is sharp and attractive, with twin headlights and indicators integrated into the body. In terms of features, this bike has got a non-switchable dual-channel ABS, a slipper clutch, a semi-digital instrument console, and an analogue tachometer. The Ninja 300 is available in only one variant, and its ex-showroom price in India starts from ₹3.37 lakhs.

  • BMW G310 R

BMW is one of the best premium automobile manufacturers around the globe. The BMW G310 R is a top-selling naked motorcycle that comes with a powerful 313-cc liquid-cooled, single-cylinder engine that can churn out a maximum power of 34 PS at 9,500 RPM and a maximum torque of 28 Nm at 7,500 Nm. Thanks to the all-new ride-by-wire feature, the engine feels extra smooth while riding.

There is a golden-finished USD fork at the front with a large tank extension and massive exhaust at the rear. The seat is long and wide for added comfort. Then, there is an all-LED lighting setup, turn indicators with a Lamborghini-esque shape, and an LCD console with turn-by-turn navigation.

The ex-showroom price of this sports bike in India starts at ₹2.65 lakhs, and it is available in only a single STD variant.

  • Royal Enfield Interceptor 650

No list of premium bikes in India can ever be complete without the inclusion of a Royal Enfield bike. Popularly known as “Bullet” among Indian consumers, these bikes are a rage. Now, the Interceptor 650 is a different breed and possibly the best bike under 3.5 lakh in India, and here’s why:

The Royal Enfield Interceptor 650 comes with a super-powerful 648-cc twin-cylinder engine that can churn out a maximum power of 47.6 PS and a maximum torque of 52 Nm. It has a 6-speed gearbox and a slipper clutch. This mighty motorcycle is not for the weak-hearted ones as it can hit very high top speeds. It has got a pair of 18-inch Ceat Cruze tires. It flaunts a retro design which also has a hint of cruiser style. It has a round halogen headlight bulb tail lamp with bulb indicators and a twin-pod semi-digital and semi-analogue instrument cluster.

The Royal Enfield Interceptor 650 comes in six attractive colour options – orange crush, silver spectre, ravishing red, Mark 3, baker express, and Glitter Dust. It is available in seven variants, and its ex-showroom prices range between ₹2.85 lakhs to ₹3.14 lakhs.

Best Bikes Under 3.5 Lakhs in India: Prices at a Glance

Here is the list of the prices of the best bikes under 3.5 lakhs in India:

Model Ex-showroom price in Delhi*
TVS Apache RR 310 ₹2.65 Lakhs
KTM 390 Duke ₹2.92 Lakhs
Kawasaki Ninja 300 ₹3.37 Lakhs
BMW G310 R ₹2.65 Lakhs
Royal Enfield Interceptor 650 ₹3.14 Lakhs

Protect Your Bike With A Bike Insurance Policy

You can explore the options in the best bikes under 3.5 lakhs in India and choose the one as per your requirements and preferences. However, when you purchase your bike, don’t forget to ensure its 360-degree protection with the Tata AIG bike insurance policy. As per the Motor Vehicles Act of 1989, procuring insurance for a 2-wheeler is mandatory to ride a bike in India.

Since the insurance premium for high-end motorcycles can be expensive, we recommend you compare two-wheeler insurance online and then choose the best plan for your bike. At Tata AIG, you shall get complete coverage for mandatory third-party liabilities as well as any unfortunate damage caused to your bike. You can purchase a two-wheeler insurance policy for your brand-new bike with just a few clicks at the Tata AIG website.


We gave you a list of the best bikes under 3.5 lakhs with multiple options from various brands. You can compare and select the best bike as per your needs. After you’ve decided on the bike that you wish to purchase, getting the right bike insurance for its optimum protection should be your topmost priority. One more thing – always wear a helmet while riding.

Disclaimer: *All the bike prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.

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Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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