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Axis Bank ₹30 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 8%, the EMI is about ₹28,670 a month, with total interest of about ₹21,60,521.
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) | ₹28,670 | ₹21,60,521 | ₹51,60,521 |
| 8.5% | ₹29,542 | ₹23,17,594 | ₹53,17,594 |
| 9% | ₹30,428 | ₹24,77,040 | ₹54,77,040 |
| 9.5% | ₹31,327 | ₹26,38,813 | ₹56,38,813 |
| 10% | ₹32,238 | ₹28,02,868 | ₹58,02,868 |
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 | ₹1,07,935 | ₹2,36,099 | ₹3,44,035 | ₹28,92,065 |
| Year 2 | ₹1,16,894 | ₹2,27,141 | ₹3,44,035 | ₹27,75,171 |
| Year 3 | ₹1,26,596 | ₹2,17,439 | ₹3,44,035 | ₹26,48,574 |
| Year 4 | ₹1,37,104 | ₹2,06,931 | ₹3,44,035 | ₹25,11,471 |
| Year 5 | ₹1,48,483 | ₹1,95,552 | ₹3,44,035 | ₹23,62,988 |
| Year 6 | ₹1,60,807 | ₹1,83,228 | ₹3,44,035 | ₹22,02,181 |
| Year 7 | ₹1,74,154 | ₹1,69,881 | ₹3,44,035 | ₹20,28,027 |
| Year 8 | ₹1,88,609 | ₹1,55,426 | ₹3,44,035 | ₹18,39,418 |
| Year 9 | ₹2,04,263 | ₹1,39,772 | ₹3,44,035 | ₹16,35,155 |
| Year 10 | ₹2,21,217 | ₹1,22,818 | ₹3,44,035 | ₹14,13,938 |
| Year 11 | ₹2,39,578 | ₹1,04,457 | ₹3,44,035 | ₹11,74,360 |
| Year 12 | ₹2,59,463 | ₹84,572 | ₹3,44,035 | ₹9,14,898 |
| Year 13 | ₹2,80,998 | ₹63,037 | ₹3,44,035 | ₹6,33,900 |
| Year 14 | ₹3,04,321 | ₹39,714 | ₹3,44,035 | ₹3,29,579 |
| Year 15 | ₹3,29,579 | ₹14,456 | ₹3,44,035 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh Axis Bank home loan for 15 years?
At Axis Bank's starting rate of 8% the EMI is about ₹28,670 a month. If your offered rate is 9% it would be about ₹30,428.
How much total interest will I pay?
At 8% the total interest over 15 years is about ₹21,60,521, so you repay about ₹51,60,521 in all.