Bajaj Avenger Street 160

My cousin is 5 feet 2 inches and spent two months convinced she would have to settle for a scooter. Then she sat on an Avenger Street at a Bajaj showroom in Nashik and both feet went flat on the floor with her knees still slightly bent. That was the whole test drive, honestly. At 737 mm this has the lowest seat you can buy on a proper geared motorcycle in India, and it doesn't look like a compromise bike.

Let's start with money, because that's what everyone asks me first. It's a low seat bike, ₹1,22,000 ex-showroom, and about ₹1,41,000 (roughly ₹1.41 lakh) by the time it's on the road in a metro. That gap is road tax, insurance and dealer charges, and it moves a fair bit between states — Delhi is around 6%, Karnataka nearly 14%. I've seen two friends pay ₹9,000 apart for the same bike in different cities. Ask for the breakup in writing.

Used, a tidy 2019-2024 example usually goes for ₹62,000 to ₹95,000. What decides where you land in that band isn't the odometer as much as the service book. A single-owner bike with every stamp in place will cost you 10-15% more, and honestly, pay it. The cheap one always turns out to be the expensive one.

Long, low, a bit American in a bargain-bin way, and I mean that kindly. Blacked-out engine, small pullback bars, a floorboard-ish footpeg position that stretches your legs forward instead of tucking them up. Short riders will notice the tank is narrow where your thighs sit, which is exactly why reaching the ground is so easy.

When you're standing next to it in the showroom, do the boring checks. Run a finger along the panel gaps near the tank, click the switches a few times, and sit on it with the side stand up and both feet down. The 737 mm seat sounds fine on paper and then surprises people at a signal. At 154 kg, it felt easy enough to shove around, even if you're fairly new to bikes.

The numbers: 160cc air-cooled single, DTS-i, 15 PS @ 8,500 rpm, 13.7 Nm @ 6,500 rpm, through a 5-speed, and it'll see about 118 kmph if you find the road for it. You won't. What actually matters here is what the bike does between 40 and 90 kmph, because that's where your entire riding life happens in this country.

You sit in it rather than on it. Traffic crawling is genuinely relaxed because you can dab a foot down without shifting off the seat. The 160 pulls cleanly to 70-80 kmph and cruises there all day. The catch is ground clearance - 169 mm with a low chassis means big Indian speed breakers need to be taken at an angle if you have a pillion.

Mileage worked out to 43-47 kmpl in mixed riding for me, with a 13 litres tank — so you can do the range maths yourself and plan fuel stops without drama. Fair warning: your right wrist decides this number far more than the brochure does. Ride it hard and 15-20% of that mileage quietly disappears.

Everything mechanical is in the table below. Short version: telescopic front, twin gas-charged rear holding it up, and 280 mm front disc, 130 mm rear drum, single-channel abs slowing it down. One opinion I won't budge on — if you ride in rain or unpredictable traffic, dual-channel ABS is worth whatever it costs. Single-channel only looks after the front wheel, and it's rarely the front that catches you out.

Almost nobody pays cash for a bike, so let's do the loan maths. Put down 20% — ₹28,200 — borrow ₹1,12,800 at 9.5%, and you get the EMIs in the table and calculator below for 12, 24, 36 and 48 months.

Two things I tell everyone who asks. A longer tenure makes the EMI look friendly and quietly costs you thousands more in interest, so take the shortest one you can actually live with. And don't sign the dealer's finance form just because it's on the desk — a pre-approved offer from your own bank usually comes in 1-2 percentage points cheaper, and if you're salaried, the PSU banks are normally the best of the lot.

Keep ₹1,500-3,000 aside for processing fees, plus documentation charges and the five-year third-party insurance that's baked into the on-road price. Then read the quotation properly. Accessories you never asked for and an "extended warranty" you didn't agree to are the two lines I find padded most often.

Bajaj service is everywhere and parts are cheap, which matters more than most first-time buyers realise. Budget roughly Rs 5,000 a year including a chain and oil at 1,000 km a month. The rear drum is the only bit I'd grumble about at this price.

Servicing is Rs 900-1,300 per service, every 5,000 km, comprehensive insurance Rs 4,000-5,500 a year comprehensive. On top of that, tyres every 20,000-25,000 km, a chain and sprocket set around the same time if it's chain-driven, and brake pads once or twice a year if you're in city traffic all day.

The one number I'd actually compare bikes on is cost per kilometre. Take your fuel spend at 43-47 kmpl and today's petrol price, add a year of servicing and insurance, divide by however much you really ride. Do that for two or three bikes and the decision usually makes itself — no showroom pitch required.

The Suzuki Intruder is even lower but slower and pricier to run. The Hunter 350 feels better made but its 790 mm seat and 181 kg put it out of reach for a lot of shorter riders.

If you can, ride your shortlist on the same day, on the same road, wearing the same gear. Demo bikes are set up differently and your memory of yesterday's test ride is unreliable. Watch three things while you're at it: how heavy the clutch feels in traffic, whether the mirrors blur at 60 kmph, and how comfortably you can put both feet down at a signal. Those are the things that decide whether you still like the bike two years in.

A three-year-old one goes for ₹62,000-₹95,000 against ₹1,41,000 on-road new. That's a lot of money for the same riding experience. Resale here is fair - about 55-60% after three years, so if you buy used and sell in a couple of years, you lose very little in between.

Physically: check the date codes on the tyres, chain slack, fork seals for any oil weep, how much disc is left, and get your phone torch under the engine looking for leaks. Cycle all the electricals too — the ABS light should come on with the ignition and go off once you're rolling. Then take it for at least 5 km, and brake hard once from 50 kmph so you know what you're buying.

Paperwork, briefly: ₹500-1,500 for the RC transfer, insurance moved into your name within 14 days, and never pay the full amount before the transfer forms are signed and submitted. I've seen that go wrong more than once.

If your inseam is the problem and not your budget, this is the bike I'd send you to sit on first. Take a test ride with your usual footwear, not thick-soled shoes, and check you can back it out of a parking slot before you sign anything.

If you're under about 5'6", go sit on it before you book anything — that 737 mm seat height is the single most common regret I hear. And if someone rides behind you every day, take them along on the test ride. Pillion comfort varies wildly between these bikes and no spec sheet will tell you that.

So why is the Bajaj Avenger Street 160 on this list? Mainly lowest seat height on a geared bike here and relaxed, feet-forward riding position. Its problems — low ground clearance over tall breakers, rear drum brake at rs 1.4 lakh, not a fan of fast corners — are real, but you can see all of them from the showroom floor. Nothing here ambushes you six months later, which is more than I can say for some of its rivals.

₹1,41,000 on-road new, ₹62,000-₹95,000 used. Right bike for the rider I described above, wrong bike for most other people, and that's fine. Before you go anywhere, put your own down payment and tenure into the calculator above and hold that EMI against what's actually left in your account at month-end — not your salary. — Nikhil Bansal, New Delhi, Delhi