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Axis Bank ₹1 crore Home Loan EMI for 25 Years
At the advertised starting rate of 8%, the EMI is about ₹77,182 a month, with total interest of about ₹1,31,54,487.
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) | ₹77,182 | ₹1,31,54,487 | ₹2,31,54,487 |
| 8.5% | ₹80,523 | ₹1,41,56,813 | ₹2,41,56,813 |
| 9% | ₹83,920 | ₹1,51,75,891 | ₹2,51,75,891 |
| 9.5% | ₹87,370 | ₹1,62,10,900 | ₹2,62,10,900 |
| 10% | ₹90,870 | ₹1,72,61,022 | ₹2,72,61,022 |
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 | ₹1,30,910 | ₹7,95,269 | ₹9,26,179 | ₹98,69,090 |
| Year 2 | ₹1,41,776 | ₹7,84,404 | ₹9,26,179 | ₹97,27,314 |
| Year 3 | ₹1,53,543 | ₹7,72,636 | ₹9,26,179 | ₹95,73,770 |
| Year 4 | ₹1,66,287 | ₹7,59,892 | ₹9,26,179 | ₹94,07,483 |
| Year 5 | ₹1,80,089 | ₹7,46,090 | ₹9,26,179 | ₹92,27,394 |
| Year 6 | ₹1,95,036 | ₹7,31,143 | ₹9,26,179 | ₹90,32,358 |
| Year 7 | ₹2,11,224 | ₹7,14,955 | ₹9,26,179 | ₹88,21,134 |
| Year 8 | ₹2,28,756 | ₹6,97,424 | ₹9,26,179 | ₹85,92,378 |
| Year 9 | ₹2,47,742 | ₹6,78,437 | ₹9,26,179 | ₹83,44,635 |
| Year 10 | ₹2,68,305 | ₹6,57,875 | ₹9,26,179 | ₹80,76,331 |
| Year 11 | ₹2,90,574 | ₹6,35,605 | ₹9,26,179 | ₹77,85,757 |
| Year 12 | ₹3,14,692 | ₹6,11,488 | ₹9,26,179 | ₹74,71,065 |
| Year 13 | ₹3,40,811 | ₹5,85,369 | ₹9,26,179 | ₹71,30,254 |
| Year 14 | ₹3,69,098 | ₹5,57,082 | ₹9,26,179 | ₹67,61,156 |
| Year 15 | ₹3,99,733 | ₹5,26,447 | ₹9,26,179 | ₹63,61,424 |
| Year 16 | ₹4,32,910 | ₹4,93,269 | ₹9,26,179 | ₹59,28,513 |
| Year 17 | ₹4,68,842 | ₹4,57,338 | ₹9,26,179 | ₹54,59,671 |
| Year 18 | ₹5,07,755 | ₹4,18,424 | ₹9,26,179 | ₹49,51,916 |
| Year 19 | ₹5,49,899 | ₹3,76,281 | ₹9,26,179 | ₹44,02,017 |
| Year 20 | ₹5,95,540 | ₹3,30,639 | ₹9,26,179 | ₹38,06,477 |
| Year 21 | ₹6,44,970 | ₹2,81,210 | ₹9,26,179 | ₹31,61,507 |
| Year 22 | ₹6,98,502 | ₹2,27,677 | ₹9,26,179 | ₹24,63,005 |
| Year 23 | ₹7,56,477 | ₹1,69,702 | ₹9,26,179 | ₹17,06,528 |
| Year 24 | ₹8,19,265 | ₹1,06,915 | ₹9,26,179 | ₹8,87,263 |
| Year 25 | ₹8,87,263 | ₹38,916 | ₹9,26,179 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Axis Bank home loan for 25 years?
At Axis Bank's starting rate of 8% the EMI is about ₹77,182 a month. If your offered rate is 9% it would be about ₹83,920.
How much total interest will I pay?
At 8% the total interest over 25 years is about ₹1,31,54,487, so you repay about ₹2,31,54,487 in all.