X440 T Ex-Showroom Price

The Harley-Davidson X440 T is priced at Rs 2,79,500 ex-showroom across India - a single pan-India ex-showroom price regardless of city. Launched on December 6, 2025, the X440 T is positioned Rs 40,000-44,500 above the standard X440 and roughly Rs 40,000-45,000 above the Triumph Speed 400, making it the premium option in its segment.

On-road prices include ex-showroom, state road tax, registration, first-year insurance, and dealer handling charges:

The Bangalore on-road price of Rs 3,57,568 is Rs 33,797 more than Delhi's Rs 3,23,771 - entirely a product of Karnataka's higher road tax structure. Delhi buyers pay roughly 8-10% road tax on a bike in this price bracket, while Karnataka levies a higher slab, meaning a motorcycle that costs Rs 2,79,500 ex-showroom ends up Rs 23,000-35,000 more expensive on-road in Bengaluru versus Delhi.

For EMI buyers: financing 80% of the ex-showroom price (Rs 2,23,600) at 10% interest over 36 months gives an EMI of approximately Rs 7,200 per month, making the X440 T one of the most accessible new motorcycles with a Harley-Davidson badge. Down payment would be roughly Rs 55,900 (20%).

Insurance for the first year comprises mandatory third-party premium (approximately Rs 2,000-3,000 for a 440cc motorcycle) plus own-damage insurance (approximately Rs 10,000-14,000 depending on insurer). Total first-year insurance is around Rs 12,000-17,000. Comparing quotes from Acko, HDFC Ergo, and Bajaj Allianz is recommended.