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Axis Bank ₹1 crore Home Loan EMI for 20 Years
At the advertised starting rate of 8%, the EMI is about ₹83,644 a month, with total interest of about ₹1,00,74,562.
Source: Axis Bank official page, checked on November 2026 (2026-11-01).
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 8% (starting) | ₹83,644 | ₹1,00,74,562 | ₹2,00,74,562 |
| 8.5% | ₹86,782 | ₹1,08,27,758 | ₹2,08,27,758 |
| 9% | ₹89,973 | ₹1,15,93,423 | ₹2,15,93,423 |
| 9.5% | ₹93,213 | ₹1,23,71,149 | ₹2,23,71,149 |
| 10% | ₹96,502 | ₹1,31,60,519 | ₹2,31,60,519 |
Year-by-year repayment schedule at 8%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹2,11,367 | ₹7,92,361 | ₹10,03,728 | ₹97,88,633 |
| Year 2 | ₹2,28,910 | ₹7,74,818 | ₹10,03,728 | ₹95,59,723 |
| Year 3 | ₹2,47,909 | ₹7,55,819 | ₹10,03,728 | ₹93,11,814 |
| Year 4 | ₹2,68,486 | ₹7,35,242 | ₹10,03,728 | ₹90,43,328 |
| Year 5 | ₹2,90,770 | ₹7,12,958 | ₹10,03,728 | ₹87,52,558 |
| Year 6 | ₹3,14,904 | ₹6,88,824 | ₹10,03,728 | ₹84,37,655 |
| Year 7 | ₹3,41,041 | ₹6,62,688 | ₹10,03,728 | ₹80,96,614 |
| Year 8 | ₹3,69,347 | ₹6,34,381 | ₹10,03,728 | ₹77,27,268 |
| Year 9 | ₹4,00,002 | ₹6,03,726 | ₹10,03,728 | ₹73,27,265 |
| Year 10 | ₹4,33,202 | ₹5,70,526 | ₹10,03,728 | ₹68,94,063 |
| Year 11 | ₹4,69,158 | ₹5,34,570 | ₹10,03,728 | ₹64,24,905 |
| Year 12 | ₹5,08,098 | ₹4,95,630 | ₹10,03,728 | ₹59,16,807 |
| Year 13 | ₹5,50,270 | ₹4,53,458 | ₹10,03,728 | ₹53,66,538 |
| Year 14 | ₹5,95,942 | ₹4,07,786 | ₹10,03,728 | ₹47,70,596 |
| Year 15 | ₹6,45,405 | ₹3,58,323 | ₹10,03,728 | ₹41,25,191 |
| Year 16 | ₹6,98,973 | ₹3,04,755 | ₹10,03,728 | ₹34,26,219 |
| Year 17 | ₹7,56,987 | ₹2,46,741 | ₹10,03,728 | ₹26,69,231 |
| Year 18 | ₹8,19,817 | ₹1,83,911 | ₹10,03,728 | ₹18,49,414 |
| Year 19 | ₹8,87,861 | ₹1,15,867 | ₹10,03,728 | ₹9,61,553 |
| Year 20 | ₹9,61,553 | ₹42,175 | ₹10,03,728 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Axis Bank home loan for 20 years?
At Axis Bank's starting rate of 8% the EMI is about ₹83,644 a month. If your offered rate is 9% it would be about ₹89,973.
How much total interest will I pay?
At 8% the total interest over 20 years is about ₹1,00,74,562, so you repay about ₹2,00,74,562 in all.