In India, two-wheelers like Hero Splendor Xtec and Honda Activa Scooty are among the most popular choices for daily commuters. They are known for their reliability, mileage, and affordability, making them the backbone of the Indian middle-class transportation system.
In this detailed article, we will explore the features, loan offers, free insurance, and subsidy benefits available for both Hero Splendor Xtec and Honda Activa Scooty in 2025. Whether you are a college student, a working professional, or a family person, this guide will help you make an informed decision before your next bike or scooty purchase.
Related Posts:
Hero Splendor Xtec Overview
The Hero Splendor Xtec is the modern variant of the legendary Hero Splendor, which has ruled Indian roads for decades. Hero MotoCorp has upgraded this model with advanced digital technology, stylish looks, and improved fuel efficiency.
Key Highlights
- Engine Type: 97.2cc Air-cooled, 4-stroke, single-cylinder
- Power: 8.02 PS @ 8000 rpm
- Torque: 8.05 Nm @ 6000 rpm
- Mileage: Around 83 km/l
- Weight: 112 kg
- Starting: Kick and Self Start
- Price Range: ₹80,000 – ₹86,000 (Ex-showroom, Delhi)
The Hero Splendor Xtec combines old-school reliability with modern digital features like Bluetooth connectivity, LED headlamps, and real-time mileage indicators.
Top Features of Hero Splendor Xtec
1. Bluetooth-Enabled Digital Console
The Splendor Xtec comes with a fully digital instrument cluster that supports Bluetooth connectivity. You can connect your smartphone to receive call and message alerts, ensuring you never miss an important notification while riding.
2. LED Headlamp with DRLs
It has a high-intensity LED headlamp and Daytime Running Lights (DRLs) that improve night visibility and give the bike a premium appearance.
3. i3S (Idle Stop-Start System)
Hero’s i3S technology helps in saving fuel by automatically switching off the engine during long traffic stops and restarting it with a simple clutch pull.
4. Real-Time Mileage Indicator (RTMI)
The bike shows instant fuel efficiency data, helping riders maintain an economical riding style and achieve the best mileage possible.
5. USB Mobile Charging Port
The Splendor Xtec also includes a USB charging port, a useful addition for those who travel long distances or depend heavily on mobile devices.
Hero Splendor Xtec: Free Loan and Insurance Benefits
Hero MotoCorp, in collaboration with major banks and NBFCs, offers attractive loan and insurance schemes for buyers. These offers are designed to make the purchase more affordable for everyone.
1. 100% Finance on On-Road Price
Some financial institutions provide up to 100% loan coverage on the on-road price of Hero Splendor Xtec. This means you can buy the bike without paying any upfront cost.
2. 0% Interest or Low-Interest Loan Schemes
During festive seasons or promotional periods, Hero dealers often provide 0% interest or low EMI options, allowing you to own your bike at minimal financial burden.
3. Free First-Year Insurance
Hero often includes free first-year insurance under special schemes. This reduces the initial ownership cost and provides peace of mind against theft or accident.
4. Government Subsidy for Rural and Self-Employed Buyers
Under some state-level and central government schemes, buyers who are farmers, students, or small business owners may receive subsidies or loan interest rebates on two-wheeler purchases.
5. Instant Loan Approval
You can apply for a Hero Splendor Xtec loan online, and many banks offer instant approval within 30 minutes with minimal documentation such as:
- Aadhaar Card
- PAN Card
- Bank Statement
- Salary Slip or ITR
Honda Activa Scooty Overview
The Honda Activa Scooty continues to dominate the Indian scooter market with its stylish design, smooth performance, and top-notch reliability. The latest model, Activa 6G, combines smart technology with efficiency and comfort.
Key Specifications
- Engine Type: 109.51cc, 4-stroke, fan-cooled SI engine
- Power: 7.84 PS @ 8000 rpm
- Torque: 8.90 Nm @ 5500 rpm
- Mileage: 50–55 km/l
- Weight: 106 kg
- Price Range: ₹82,000 – ₹90,000 (Ex-showroom, Delhi)
Honda has added several advanced features like Smart Key technology, eSP+ (Enhanced Smart Power), and Silent Start for a premium riding experience.
Top Features of Honda Activa Scooty
1. Smart Key System
The new Activa comes with a Smart Key, similar to cars. You can lock, unlock, and start the scooter remotely — no need to insert a physical key.
2. Silent Start with ACG Motor
The ACG starter motor ensures silent and smooth starting, eliminating the traditional engine crank sound.
3. eSP+ Technology
Honda’s eSP+ engine enhances performance and fuel efficiency while reducing friction, leading to longer engine life.
4. Telescopic Front Suspension
The new Activa offers better suspension and handling, making it ideal for Indian road conditions and long rides.
5. Ample Storage and Metal Body
It features 18 liters of under-seat storage, a metal body for durability, and a front hook for carrying small bags.
Honda Activa: Free Loan and Insurance Benefits
Honda dealers and partner banks provide a wide range of loan and insurance schemes to help customers purchase Activa Scooty without financial stress.
1. Low EMI Finance Offers
Honda provides EMI options starting from ₹1,500–₹2,000/month, depending on the model and down payment. Customers can choose flexible tenures between 12 to 36 months.
2. 100% On-Road Loan Approval
Select banks like HDFC Bank, ICICI Bank, and Bajaj Finserv offer 100% finance on the on-road price of Activa models.
3. Free First-Year Insurance and Extended Warranty
Many Honda showrooms include free first-year insurance along with extended warranty packages up to 5 years, ensuring full protection against damages and theft.
4. Government and State Subsidy
Women, students, and differently-abled individuals may be eligible for subsidized loans or special discounts on electric or petrol variants of Activa through government schemes.
5. Online Loan Application
Customers can easily apply online by visiting the Honda official website or partner bank portals, uploading basic KYC documents, and getting instant loan approval.
Hero Splendor Xtec vs Honda Activa: Comparison Chart
| Feature | Hero Splendor Xtec | Honda Activa 6G |
|---|---|---|
| Engine | 97.2cc | 109.5cc |
| Mileage | 80+ km/l | 55 km/l |
| Starting System | Self & Kick Start | Self Start |
| Digital Meter | Yes | No (Analog) |
| Bluetooth Connectivity | Yes | No |
| USB Charging Port | Yes | No |
| Price Range | ₹80K – ₹86K | ₹82K – ₹90K |
| Best For | Long-distance riders | City commuters |
| Finance Options | 100% loan available | 100% loan available |
| Free Insurance | Yes (on select offers) | Yes (on select offers) |
Both vehicles serve different needs — the Splendor Xtec is ideal for mileage-conscious riders, while the Activa Scooty is perfect for urban commuting with easy handling.
Documents Required for Loan and Insurance
To avail of loan, subsidy, or free insurance benefits, you will need to provide a few essential documents:
- Aadhaar Card
- PAN Card
- Passport-size Photos
- Bank Statement (Last 3–6 months)
- Income Proof or Salary Slip
- Vehicle Quotation from Dealer
Once you submit these, your loan can be approved quickly, often within a day.
How to Apply for Hero or Honda Two-Wheeler Loan Online
Step 1: Visit Official Website
Go to Hero MotoCorp or Honda Two Wheelers India official website.
Step 2: Choose Model
Select your desired model — Hero Splendor Xtec or Honda Activa Scooty.
Step 3: Check Finance Options
Use the loan calculator to check EMI amount, interest rate, and tenure.
Step 4: Submit Application
Fill in your details and upload required documents.
Step 5: Get Instant Approval
You’ll receive confirmation and can proceed with the purchase from your nearest dealer.
Why Choose Hero Splendor Xtec or Honda Activa Scooty in 2025?
Both vehicles are highly fuel-efficient, reliable, and easy to maintain. Moreover, with free loan and insurance offers, they become even more affordable.
1. Trusted Brands
Hero and Honda are India’s most trusted two-wheeler brands with strong resale value.
2. Excellent Mileage and Performance
The Splendor Xtec gives 80+ km/l mileage, while the Activa offers smooth rides and fuel efficiency for daily use.
3. Advanced Technology
Both feature modern digital upgrades, ensuring comfort, safety, and connectivity.
4. Easy Availability of Parts and Service
With thousands of service centers across India, maintenance is hassle-free and affordable.
Government Schemes for Two-Wheeler Loans in India
The government has launched several initiatives to make two-wheelers more accessible:
1. PMEGP Scheme
The Prime Minister’s Employment Generation Programme offers subsidy loans for self-employed individuals to buy two-wheelers used for business or delivery services.
2. Mudra Loan
Under the Pradhan Mantri Mudra Yojana, individuals can apply for loans up to ₹10 lakhs with low-interest rates and minimal documentation.
3. State-Level Subsidy Schemes
Some states like Gujarat, Tamil Nadu, and Delhi offer special subsidies for electric and fuel-efficient vehicles, including scooters and bikes.
Tips to Get Maximum Benefits on Two-Wheeler Purchase
- Compare Dealer Offers: Different dealers may provide different EMI, loan, and insurance benefits.
- Check Festive Discounts: Major festivals like Diwali, Holi, and Dussehra bring exclusive finance offers.
- Negotiate Insurance Premiums: Ask for zero-depreciation or third-party add-ons at no extra cost.
- Use Online EMI Calculators: Always calculate monthly payments before applying for loans.
- Look for Exchange Offers: You can exchange your old two-wheeler for extra discounts or cash benefits.
Conclusion
The Hero Splendor Xtec and Honda Activa Scooty are both excellent two-wheeler options in India for 2025.
While the Splendor Xtec focuses on mileage, advanced digital features, and long-distance comfort, the Activa stands out with its smart key system, smooth handling, and brand reliability.
With free loan schemes, insurance benefits, and government subsidies, owning your dream two-wheeler has never been easier.
Whether you’re a student, an office-goer, or a business owner, both these models promise affordability, performance, and peace of mind.
![Flipkart & Amazon Loot Deals 100% Working Coupons & Sale Offers [Updated]](https://healthscalers.com/wp-content/uploads/2025/09/Flipkart-Amazon-Loot-Deals-100-Working-Coupons-Sale-Offers-Updated-150x150.jpg)