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Axis Bank ₹20 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 8%, the EMI is about ₹15,436 a month, with total interest of about ₹26,30,897.
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) | ₹15,436 | ₹26,30,897 | ₹46,30,897 |
| 8.5% | ₹16,105 | ₹28,31,363 | ₹48,31,363 |
| 9% | ₹16,784 | ₹30,35,178 | ₹50,35,178 |
| 9.5% | ₹17,474 | ₹32,42,180 | ₹52,42,180 |
| 10% | ₹18,174 | ₹34,52,204 | ₹54,52,204 |
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 | ₹26,182 | ₹1,59,054 | ₹1,85,236 | ₹19,73,818 |
| Year 2 | ₹28,355 | ₹1,56,881 | ₹1,85,236 | ₹19,45,463 |
| Year 3 | ₹30,709 | ₹1,54,527 | ₹1,85,236 | ₹19,14,754 |
| Year 4 | ₹33,257 | ₹1,51,978 | ₹1,85,236 | ₹18,81,497 |
| Year 5 | ₹36,018 | ₹1,49,218 | ₹1,85,236 | ₹18,45,479 |
| Year 6 | ₹39,007 | ₹1,46,229 | ₹1,85,236 | ₹18,06,472 |
| Year 7 | ₹42,245 | ₹1,42,991 | ₹1,85,236 | ₹17,64,227 |
| Year 8 | ₹45,751 | ₹1,39,485 | ₹1,85,236 | ₹17,18,476 |
| Year 9 | ₹49,548 | ₹1,35,687 | ₹1,85,236 | ₹16,68,927 |
| Year 10 | ₹53,661 | ₹1,31,575 | ₹1,85,236 | ₹16,15,266 |
| Year 11 | ₹58,115 | ₹1,27,121 | ₹1,85,236 | ₹15,57,151 |
| Year 12 | ₹62,938 | ₹1,22,298 | ₹1,85,236 | ₹14,94,213 |
| Year 13 | ₹68,162 | ₹1,17,074 | ₹1,85,236 | ₹14,26,051 |
| Year 14 | ₹73,820 | ₹1,11,416 | ₹1,85,236 | ₹13,52,231 |
| Year 15 | ₹79,947 | ₹1,05,289 | ₹1,85,236 | ₹12,72,285 |
| Year 16 | ₹86,582 | ₹98,654 | ₹1,85,236 | ₹11,85,703 |
| Year 17 | ₹93,768 | ₹91,468 | ₹1,85,236 | ₹10,91,934 |
| Year 18 | ₹1,01,551 | ₹83,685 | ₹1,85,236 | ₹9,90,383 |
| Year 19 | ₹1,09,980 | ₹75,256 | ₹1,85,236 | ₹8,80,403 |
| Year 20 | ₹1,19,108 | ₹66,128 | ₹1,85,236 | ₹7,61,295 |
| Year 21 | ₹1,28,994 | ₹56,242 | ₹1,85,236 | ₹6,32,301 |
| Year 22 | ₹1,39,700 | ₹45,535 | ₹1,85,236 | ₹4,92,601 |
| Year 23 | ₹1,51,295 | ₹33,940 | ₹1,85,236 | ₹3,41,306 |
| Year 24 | ₹1,63,853 | ₹21,383 | ₹1,85,236 | ₹1,77,453 |
| Year 25 | ₹1,77,453 | ₹7,783 | ₹1,85,236 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh Axis Bank home loan for 25 years?
At Axis Bank's starting rate of 8% the EMI is about ₹15,436 a month. If your offered rate is 9% it would be about ₹16,784.
How much total interest will I pay?
At 8% the total interest over 25 years is about ₹26,30,897, so you repay about ₹46,30,897 in all.