# Hero Super Splendor Xtec Price in Mumbai 2026

> Hero Super Splendor Xtec on-road price in Mumbai starts at ₹1,02,903. Includes road tax (Maharashtra), insurance, and charges.

Source: https://indianautoforum.com/bikes/hero/super-splendor-xtec/price/mumbai

The on-road price of {{bike}} in {{city}}, {{state}}, is {{on_road}}. This total breaks down into four components: an ex-showroom price of {{ex_showroom}}, road tax (RTO) of {{rto}} calculated at {{rto_percent}} of the ex-showroom price, insurance charges of {{insurance_total}}, and dealer handling or registration fees of {{other_charges}}.

The ex-showroom price of {{ex_showroom}} is fixed by Hero MotoCorp and is consistent across all authorised dealerships in {{city}}. What varies between dealerships is the on-road package - some dealers bundle accessories, extended warranties, or annual maintenance contracts that can add Rs 2,000-8,000 to the bill. Always ask for an itemised invoice before committing.

Road tax in {{state}} is charged at {{rto_percent}} of the ex-showroom price, amounting to {{rto}} for the {{bike}}. RTO rates are set by state governments and vary significantly across India - this is why the on-road price of the same variant can differ by Rs 3,000-8,000 between, say, Delhi and Bangalore. The registration process is handled by the dealership; your RC book typically arrives within 30-45 days of purchase.

Insurance is mandatory at the time of purchase. The {{insurance_total}} quoted here includes third-party insurance ({{tp_insurance}}) and own-damage cover ({{od_insurance}}). Third-party insurance is a legal requirement and is fixed by IRDAI; own-damage rates vary by insurer and the IDV (Insured Declared Value) you agree on. Dealership-bundled insurance is priced for convenience - comparing quotes on platforms like Acko, Tata AIG, or Digit can save you Rs 500-2,000 on own-damage premiums without any reduction in coverage.

The {{other_charges}} figure covers standard dealer handling and registration processing charges. This is largely non-negotiable but is consistent across dealerships in {{city}}.

For EMI planning: a down payment of approximately 20% of the on-road price (around {{on_road}} × 0.20) with a 36-month loan at 10.5% interest results in a monthly EMI of roughly Rs 2,400-2,600 depending on the exact on-road amount. Hero FinCorp and most major banks offer two-wheeler loans for the {{bike}}.

## Hero Super Splendor Xtec On-Road Price in Mumbai
| Variant | Ex-Showroom | Road Tax | TP Insurance | OD Insurance | Other | On-Road |
|---------|-------------|----------|--------------|--------------|-------|---------|
| Super Splendor Xtec Drum Brake - OBD 2B | ₹83,928 | ₹9,232 | ₹3,851 | ₹2,392 | ₹3,500 | **₹1,02,903** |
| Super Splendor Xtec Disc Brake - OBD 2B | ₹87,664 | ₹9,643 | ₹3,851 | ₹2,498 | ₹3,500 | **₹1,07,156** |

*Road tax rate: 11%. Prices are indicative. Actual on-road price may vary by dealer.*

Before visiting a Hero dealership in {{city}}, check the on-road price for the specific variant you want - Drum or Disc - as the two variants carry different ex-showroom prices and therefore different RTO and insurance amounts. In {{state}}, insurance rates can vary slightly by insurer even for the same IDV; getting one online quote before the dealership visit gives you a useful benchmark.

Negotiate for a free first extended service (beyond the standard 500 km free service) or a one-year road-side assistance package rather than accessory bundles - these add real value over the ownership period. The total on-road price in {{city}} is {{on_road}}, and with the {{bike}}'s low running costs and Hero's extensive service network in {{state}}, the overall cost of ownership over three years is among the lowest in the 125 cc segment.

## FAQs

**What is the on-road price of the {{bike}} in {{city}}?**
The on-road price of {{bike}} in {{city}}, {{state}}, is {{on_road}}. This includes an ex-showroom price of {{ex_showroom}}, road tax (RTO) of {{rto}} at {{rto_percent}}, and total insurance charges of {{insurance_total}} plus dealer handling fees of {{other_charges}}.

**What is the road tax (RTO) for the {{bike}} in {{state}}?**
The road tax for {{bike}} in {{state}} is {{rto}}, calculated at {{rto_percent}} of the ex-showroom price of {{ex_showroom}}. RTO is a one-time state government levy paid at registration; rates vary significantly across Indian states and are a key reason on-road prices differ between cities.

**What is the EMI for the {{bike}} in {{city}}?**
With a 20% down payment on the {{on_road}} on-road price in {{city}} and a 36-month loan at 10.5% interest, the monthly EMI for the {{bike}} works out to approximately Rs 2,400-2,600. Hero FinCorp, SBI, and HDFC Bank all offer competitive two-wheeler loan rates in {{city}}.

**What does insurance cost for the {{bike}} in {{city}}?**
Insurance for the {{bike}} in {{city}} totals {{insurance_total}}, covering a third-party premium of {{tp_insurance}} and own-damage cover of {{od_insurance}}. The third-party rate is fixed by IRDAI; own-damage premiums vary by insurer - comparing online before the dealership visit can save Rs 500-2,000.

## More
- [Overview](/bikes/hero/super-splendor-xtec)
- [Ex-showroom Price](/bikes/hero/super-splendor-xtec/price)
- [Variants & Specs](/bikes/hero/super-splendor-xtec/variants)