Used Bike Valuation Calculator
Estimate your motorcycle or scooter's current resale value based on ex-showroom price, year, condition and km driven. IRDAI-aligned depreciation rates. Free, no login required.
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Estimated resale value
Two-wheeler depreciation chart — India (IRDAI)
Standard depreciation schedule for bikes, scooters and motorcycles in India used by insurers to calculate IDV.
| Age | Depreciation | Value retained |
|---|---|---|
| < 6 months | — | 100% |
| 6 months – 1 year | 20% | 80% |
| 1 – 2 years | 15% | ~68% |
| 2 – 3 years | 12% | ~60% |
| 3 – 4 years | 10% | ~54% |
| 4 – 5 years | 9% | ~49% |
| 5 – 6 years | 8% | ~45% |
| 6+ years | 6–7%/yr | <40% |
Used bike valuation — FAQ
How is used bike resale value calculated in India?
Used bike (motorcycle/scooter) resale value is calculated using IRDAI depreciation rates applied to the original ex-showroom price: 20% in year 1, 15% in year 2, then 8–12% per year. The result is adjusted for condition (excellent, good, fair, poor) and km driven. Popular commuter bikes like Honda Activa, Hero Splendor, and Bajaj Pulsar retain value better than premium segment bikes due to higher demand.
What is the resale value of a bike after 3 years?
After 3 years, a bike typically retains 55–65% of its ex-showroom price under normal use (10,000 km/year). A ₹1.2 lakh scooter in good condition with 30,000 km is usually worth ₹65,000–75,000. High-demand models like Honda Activa can retain up to 70% after 3 years.
Which bikes have the best resale value in India?
Bikes with the best resale value in India include Honda Activa (consistently 65–70% at 3 years), Hero Splendor Plus (60–70%), Royal Enfield Classic 350 (65–75%), Bajaj Pulsar 150 (55–65%), and Honda CB Shine (60–65%). Commuter segment bikes hold value better because of high demand in the second-hand market.
What is IDV for a two-wheeler?
IDV (Insured Declared Value) for a two-wheeler is the current market value used to calculate your bike insurance premium and the maximum claim payout in case of theft or total loss. IRDAI prescribes depreciation rates for calculating IDV: 20% in the first year, 15% in the second year, and so on. The IDV shown in this calculator is indicative — your insurer's figure may vary slightly.
How much does km driven affect bike resale value?
For bikes, average annual usage is around 10,000 km. Every 5,000 km above the average for your bike's age reduces resale value by approximately 0.5–1%. A bike with 60,000 km that is 5 years old (average: 50,000 km) would face an additional 1–2% deduction for above-average use.
Should I sell my bike before 5 years?
Yes, selling before 5 years typically gets a better price because: (1) depreciation rate drops from 9% to 8% after year 5 but the cumulative loss accelerates; (2) buyers prefer bikes under 5 years for better reliability; (3) some states have stricter emission norms for older vehicles. A bike sold between years 3–4 typically gets the best balance of retained value vs. use.