Bajaj Platina 110

The Platina used to be the bike you bought when comfort mattered more than everything else, and that is still true, except now you can get a front disc on a motorcycle costing under Rs 80,000 on-road. I rode a friend's Platina 110 for two weeks on Pune's patchwork roads and came away thinking most people overspend by Rs 40,000 for very little extra.

Let's start with money, because that's what everyone asks me first. It's a commuter bike, ₹67,500 ex-showroom, and about ₹79,000 (roughly ₹0.79 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 2018-2024 example usually goes for ₹30,000 to ₹50,000. 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.

Plain, upright and honest. Long seat with a proper backrest-ish shape for the pillion, rubber footpads, LED headlamp on the ABS trim. The 11-litre tank is bigger than most rivals, which means fewer petrol pump stops - a small thing that adds up.

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 807 mm seat sounds fine on paper and then surprises people at a signal. At 117 kg, it felt easy enough to shove around, even if you're fairly new to bikes.

The numbers: 115.45cc air-cooled single, DTS-i, 8.6 PS @ 7,000 rpm, 9.81 Nm @ 5,000 rpm, through a 4-speed, and it'll see about 90 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.

The gas-charged rear shocks are the reason to pick this over its rivals. Broken tarmac and speed breakers that unsettle other 110s just pass underneath. The engine feels a touch more eager than the Sport's and will hold 60-65 kmph without protest. The front disc has a soft initial bite but it stops far better in the rain than any drum I have used.

Mileage worked out to 65-70 kmpl in mixed riding for me, with a 11 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, gas-charged rear shocks holding it up, and 240 mm front disc (drum on base), rear drum, cbs 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% — ₹15,800 — borrow ₹63,200 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.

Service every 5,000 km instead of 4,000 saves a visit a year. Bajaj's network is wide, though quality varies a lot by dealer - my friend's first service was excellent, a colleague at another outlet waited half a day. Around Rs 3,500 a year covers maintenance at 900 km a month.

Servicing is Rs 450-700 per service, every 5,000 km, comprehensive insurance Rs 2,200-3,300 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 65-70 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 Splendor Plus will always resell better and the TVS Sport is cheaper to run. The Platina beats both on ride comfort and is the only one here I would happily hand to a rider with a bad back.

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 ₹30,000-₹50,000 against ₹79,000 on-road new. That's a lot of money for the same riding experience. Resale here is fair - around 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.

The most comfortable way to spend under Rs 80,000 on a new motorcycle. Pay the small premium for the disc-brake variant, and if your dealer quotes handling charges over Rs 1,500, push back - I have seen it dropped just by asking twice.

If you're under about 5'6", go sit on it before you book anything — that 807 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 Platina 110 on this list? Mainly best ride comfort under rs 80,000 and front disc available. Its problems — resale trails the splendor, dealer service quality is inconsistent, plain styling — 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.

₹79,000 on-road new, ₹30,000-₹50,000 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