There are many online websites which will give you the idea about the EMI and the down-payment of bikes. You can click on websites like www.maxabout.com, www.carbikesloans.com, www.zigwheels.com etc. It will give you a basic idea of how bike loans are given from different banks. For that, you can simply enter loan amount and interest rate being charged on the loan to get the possible EMI on the reducing balance. You can also enter your desired duration and get the EMI for a new bike. However, the processing fee and one-time change may be applied differently on different banks or financial institutions and you will get all information about the EMI and down-payment. Generally, there are 10-15% down-payments are offered by the banks on the on-road price of the bikes. On rare occasions of fair and festivals, there are more offers of down-payments and EMI. It all depends on the timing, need and the choice of the consumers.