When purchasing a bike, many riders focus on the cost of the vehicle itself, but what about the additional expenses? Touring accessories play a vital role in enhancing a bike’s functionality and comfort, especially for long-distance riders. If you are considering financing your bike, you might wonder whether Bajaj also offers financing options for these accessories. Read this article to know the connection between touring accessories and bike EMI, and whether Bajaj provides financing options for them.
The Importance of Touring Accessories
Touring accessories are designed to improve the riding experience, especially for those who love long rides or adventure touring. These accessories include items such as:
- Tall Visors – These offer wind protection, reducing fatigue on long rides.
- Engine Bash Plates – The plates protect the engine from debris and rough terrain.
- Hand Guards – Using these, you can shield hands from wind and minor impacts.
- Saddle Stay & Luggage Carrier – It ensures that saddlebags and luggage remain securely in place.
- Navigation Mounts & USB Chargers – It helps riders stay connected and navigate efficiently.
- Backrest & Leg Guards – It enhances comfort and adds safety for pillion riders.
These accessories can make a huge difference for riders who spend hours on the road. While they add value, they also come at an additional cost. This is where financing options become essential.
How Touring Accessories Impact Bike EMI?
When taking a loan for a high-end bike like Bajaj Dominar 400, the total on-road price includes the ex-showroom price, registration, insurance, and taxes. However, touring accessories are usually considered an additional cost and are not always covered in the bike’s standard EMI plan. Here’s how accessories affect bike EMI:
- Higher Loan Amount: If you include accessories in the financing package, the total loan amount increases.
- Increased EMI Payments: A higher loan amount means slightly higher monthly installments. You can also use a Bike Loan EMI Calculator to know your EMIs quickly.
- Better Riding Experience: Investing in accessories from the start ensures a more comfortable and safer ride.
- Customisable Loan Plans: Some lenders may allow you to club accessories with the bike loan to simplify repayment.
Must Read: Consider buying the Bajaj Pulsar 150? Here’s Your Maintenance Guide
Does Bajaj Offer Financing on Accessories?
Bajaj Auto, through its financing partners such as Bajaj Auto Credit, provides flexible loan options for bikes. But does it extend financing to touring accessories? The answer depends on the dealership and financing partner. Here’s what you need to know:
- Bike Loan with Accessories Included: Some Bajaj dealers allow customers to add the cost of essential accessories to the total loan amount. This helps buyers get all necessary upgrades without paying upfront.
- Separate Financing for Accessories: In some cases, accessories are financed separately through consumer durable loans.
- Offers and Discounts: Bajaj occasionally offers discounts or bundled packages that include accessories with a bike purchase.
If you are considering financing for accessories, it’s always best to check with your local Bajaj dealership regarding available plans.
Must Read: Affordable Two-Wheeler Loans for Bajaj Dominar 400 & KTM Duke 390 in 2025
Should You Finance Touring Accessories?
While financing your bike along with accessories is an option, it’s important to consider whether it’s the right choice for you. Here are some key points to think about:
- Affordability: If accessories significantly increase your EMI, consider prioritizing essential add-ons first.
- Interest Rates: Check the bike loan interest rate to determine if financing accessories is cost-effective.
- Long-Term Value: Touring accessories enhance safety and comfort, making them a worthwhile investment.
- Upfront vs EMI Payment: If you can afford to pay for accessories upfront, you may save on interest costs.
Conclusion
Touring accessories can greatly enhance your riding experience, but they come at an extra cost. While Bajaj does offer financing on bikes, including accessories in the loan depends on the dealership and financing provider. If you’re planning to buy a bike, inquire about EMI options that cover accessories and check the Bike Loan Interest Rate before making a decision. With the right approach, you can enjoy a fully equipped ride without financial strain.
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