The minimum downpayment you can expect to pay is 10% of the bike's ex-showroom price. However, banks have very strict criteria so getting a loan upto 90% of the bike's value could be little tough. You could instead pay 15% of bike's ex-showroom price which in this case is, 15% of 3,26,000 (ex-showroom delhi, Rs 48,900. You could take a loan for the remaining amount, 2,77,100 for three years. At an interest rate of 14%, you'll have to pay an EMI of INR 9,471.