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Axis Bank ₹30 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 8%, the EMI is about ₹25,093 a month, with total interest of about ₹30,22,368.
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) | ₹25,093 | ₹30,22,368 | ₹60,22,368 |
| 8.5% | ₹26,035 | ₹32,48,327 | ₹62,48,327 |
| 9% | ₹26,992 | ₹34,78,027 | ₹64,78,027 |
| 9.5% | ₹27,964 | ₹37,11,345 | ₹67,11,345 |
| 10% | ₹28,951 | ₹39,48,156 | ₹69,48,156 |
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 | ₹63,410 | ₹2,37,708 | ₹3,01,118 | ₹29,36,590 |
| Year 2 | ₹68,673 | ₹2,32,445 | ₹3,01,118 | ₹28,67,917 |
| Year 3 | ₹74,373 | ₹2,26,746 | ₹3,01,118 | ₹27,93,544 |
| Year 4 | ₹80,546 | ₹2,20,573 | ₹3,01,118 | ₹27,12,998 |
| Year 5 | ₹87,231 | ₹2,13,887 | ₹3,01,118 | ₹26,25,768 |
| Year 6 | ₹94,471 | ₹2,06,647 | ₹3,01,118 | ₹25,31,296 |
| Year 7 | ₹1,02,312 | ₹1,98,806 | ₹3,01,118 | ₹24,28,984 |
| Year 8 | ₹1,10,804 | ₹1,90,314 | ₹3,01,118 | ₹23,18,180 |
| Year 9 | ₹1,20,001 | ₹1,81,118 | ₹3,01,118 | ₹21,98,180 |
| Year 10 | ₹1,29,961 | ₹1,71,158 | ₹3,01,118 | ₹20,68,219 |
| Year 11 | ₹1,40,747 | ₹1,60,371 | ₹3,01,118 | ₹19,27,472 |
| Year 12 | ₹1,52,429 | ₹1,48,689 | ₹3,01,118 | ₹17,75,042 |
| Year 13 | ₹1,65,081 | ₹1,36,038 | ₹3,01,118 | ₹16,09,961 |
| Year 14 | ₹1,78,783 | ₹1,22,336 | ₹3,01,118 | ₹14,31,179 |
| Year 15 | ₹1,93,621 | ₹1,07,497 | ₹3,01,118 | ₹12,37,557 |
| Year 16 | ₹2,09,692 | ₹91,427 | ₹3,01,118 | ₹10,27,866 |
| Year 17 | ₹2,27,096 | ₹74,022 | ₹3,01,118 | ₹8,00,769 |
| Year 18 | ₹2,45,945 | ₹55,173 | ₹3,01,118 | ₹5,54,824 |
| Year 19 | ₹2,66,358 | ₹34,760 | ₹3,01,118 | ₹2,88,466 |
| Year 20 | ₹2,88,466 | ₹12,652 | ₹3,01,118 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh Axis Bank home loan for 20 years?
At Axis Bank's starting rate of 8% the EMI is about ₹25,093 a month. If your offered rate is 9% it would be about ₹26,992.
How much total interest will I pay?
At 8% the total interest over 20 years is about ₹30,22,368, so you repay about ₹60,22,368 in all.