# Kawasaki Versys 650 Price in Ludhiana 2026

> Kawasaki Versys 650 on-road price in Ludhiana starts at ₹9,92,513. Includes road tax (Punjab), insurance, and charges.

Source: https://indianautoforum.com/bikes/kawasaki/versys-650/price/ludhiana

The on-road price of {{bike}} in {{city}}, {{state}} is **{{on_road}}** for the {{year}} model. Here's the complete breakdown of what goes into that figure:

**Ex-showroom price:** {{ex_showroom}}
This is the base price set by Kawasaki India - it's the same across all dealers in India and doesn't include any state taxes, registration, or insurance.

**Road Tax (RTO):** {{rto}}
{{state}} charges {{rto_percent}} road tax on premium motorcycles. This is a one-time payment at the time of registration and is non-refundable. Road tax rates vary significantly by state - {{state}} is among the states where you need to factor this in carefully when calculating your total cost.

**Insurance charges:** {{insurance_total}}
Third-party insurance is mandatory in India. The {{bike}} attracts a third-party premium of {{tp_insurance}} and an own-damage (comprehensive) premium of approximately {{od_insurance}}. Most buyers opt for both - it's strongly recommended for a bike at this price point, especially given the cost of genuine Kawasaki spare parts.

**Dealer/handling charges:** {{other_charges}}
This covers PDI (pre-delivery inspection), documentation, number plate fabrication, and dealer handling. Rs 3,500 is standard across most Kawasaki dealerships in India.

**Total on-road price in {{city}}: {{on_road}}**

If you're financing the {{bike}}, your effective monthly outgo will depend on your down payment and loan tenure. A 20% down payment (approx Rs 1,72,600 on the ex-showroom price) with a 36-month loan at around 10% interest works out to approximately Rs 21,000-24,000 per month, depending on the processing fees your financier charges.

Kawasaki Financial Services and most nationalised and private banks offer two-wheeler loans on this model. Pre-approved loan offers are often available for salaried buyers with good CIBIL scores.

## Kawasaki Versys 650 On-Road Price in Ludhiana
| Variant | Ex-Showroom | Road Tax | TP Insurance | OD Insurance | Other | On-Road |
|---------|-------------|----------|--------------|--------------|-------|---------|
| Standard | ₹8,63,000 | ₹86,300 | ₹15,117 | ₹24,596 | ₹3,500 | **₹9,92,513** |

*Road tax rate: 10%. Prices are indicative. Actual on-road price may vary by dealer.*

**Buying tips for {{city}}, {{state}}:**

Once you have your on-road price of {{on_road}}, here's how to get the best deal in {{city}}:

- Negotiate on accessories, not price: ex-showroom pricing is fixed by Kawasaki India and dealers rarely offer direct discounts on the bike. Instead, push for free accessories - a tank bag, hand guards, or Kawasaki-branded riding gear - these add Rs 5,000-15,000 of value.
- Check for state-level subsidy schemes: {{state}} may have EV-transition or green fuel incentives that occasionally apply to E20-compliant bikes. Ask your dealer specifically.
- Festival timing: Kawasaki India typically runs exchange bonuses and zero-processing-fee finance schemes during Navratri, Diwali, and year-end clearance in December. If your purchase isn't urgent, timing it right can save Rs 5,000-15,000.
- Insurance: don't accept the default comprehensive insurance quote from the dealer. Third-party is mandatory and non-negotiable, but for own-damage, compare quotes from HDFC Ergo, Bajaj Allianz, and ICICI Lombard - you can often save Rs 3,000-6,000 on the OD premium by buying directly online.

## FAQs

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

**What is the road tax (RTO) for {{bike}} in {{state}}?**
Road tax for {{bike}} in {{state}} is {{rto_percent}}, which works out to {{rto}} on the ex-showroom price of {{ex_showroom}}. This is a one-time payment made at registration and is non-refundable. RTO rates vary by state and are calculated as a percentage of the ex-showroom price.

**What is the EMI for {{bike}} in {{city}}?**
The EMI for {{bike}} in {{city}} depends on your down payment and loan tenure. With a 20% down payment on the on-road price of {{on_road}} and a 36-month loan at around 10% interest, the monthly EMI works out to approximately Rs 22,000-25,000. Most banks and Kawasaki Financial Services offer two-wheeler loans on this model.

**What does insurance cost for {{bike}}?**
Insurance for {{bike}} includes mandatory third-party cover at {{tp_insurance}} and optional own-damage (comprehensive) at approximately {{od_insurance}}, for a combined first-year insurance cost of {{insurance_total}}. Own-damage cover is strongly recommended for a premium bike at this price - Kawasaki spare parts are expensive, and comprehensive insurance significantly reduces repair costs after an accident.

## More
- [Overview](/bikes/kawasaki/versys-650)
- [Ex-showroom Price](/bikes/kawasaki/versys-650/price)
- [Variants & Specs](/bikes/kawasaki/versys-650/variants)