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Axis Bank ₹30 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 8%, the EMI is about ₹23,154 a month, with total interest of about ₹39,46,346.
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) | ₹23,154 | ₹39,46,346 | ₹69,46,346 |
| 8.5% | ₹24,157 | ₹42,47,044 | ₹72,47,044 |
| 9% | ₹25,176 | ₹45,52,767 | ₹75,52,767 |
| 9.5% | ₹26,211 | ₹48,63,270 | ₹78,63,270 |
| 10% | ₹27,261 | ₹51,78,307 | ₹81,78,307 |
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 | ₹39,273 | ₹2,38,581 | ₹2,77,854 | ₹29,60,727 |
| Year 2 | ₹42,533 | ₹2,35,321 | ₹2,77,854 | ₹29,18,194 |
| Year 3 | ₹46,063 | ₹2,31,791 | ₹2,77,854 | ₹28,72,131 |
| Year 4 | ₹49,886 | ₹2,27,968 | ₹2,77,854 | ₹28,22,245 |
| Year 5 | ₹54,027 | ₹2,23,827 | ₹2,77,854 | ₹27,68,218 |
| Year 6 | ₹58,511 | ₹2,19,343 | ₹2,77,854 | ₹27,09,707 |
| Year 7 | ₹63,367 | ₹2,14,487 | ₹2,77,854 | ₹26,46,340 |
| Year 8 | ₹68,627 | ₹2,09,227 | ₹2,77,854 | ₹25,77,713 |
| Year 9 | ₹74,323 | ₹2,03,531 | ₹2,77,854 | ₹25,03,391 |
| Year 10 | ₹80,491 | ₹1,97,362 | ₹2,77,854 | ₹24,22,899 |
| Year 11 | ₹87,172 | ₹1,90,682 | ₹2,77,854 | ₹23,35,727 |
| Year 12 | ₹94,407 | ₹1,83,446 | ₹2,77,854 | ₹22,41,320 |
| Year 13 | ₹1,02,243 | ₹1,75,611 | ₹2,77,854 | ₹21,39,076 |
| Year 14 | ₹1,10,729 | ₹1,67,124 | ₹2,77,854 | ₹20,28,347 |
| Year 15 | ₹1,19,920 | ₹1,57,934 | ₹2,77,854 | ₹19,08,427 |
| Year 16 | ₹1,29,873 | ₹1,47,981 | ₹2,77,854 | ₹17,78,554 |
| Year 17 | ₹1,40,653 | ₹1,37,201 | ₹2,77,854 | ₹16,37,901 |
| Year 18 | ₹1,52,327 | ₹1,25,527 | ₹2,77,854 | ₹14,85,575 |
| Year 19 | ₹1,64,970 | ₹1,12,884 | ₹2,77,854 | ₹13,20,605 |
| Year 20 | ₹1,78,662 | ₹99,192 | ₹2,77,854 | ₹11,41,943 |
| Year 21 | ₹1,93,491 | ₹84,363 | ₹2,77,854 | ₹9,48,452 |
| Year 22 | ₹2,09,551 | ₹68,303 | ₹2,77,854 | ₹7,38,901 |
| Year 23 | ₹2,26,943 | ₹50,911 | ₹2,77,854 | ₹5,11,958 |
| Year 24 | ₹2,45,779 | ₹32,074 | ₹2,77,854 | ₹2,66,179 |
| Year 25 | ₹2,66,179 | ₹11,675 | ₹2,77,854 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh Axis Bank home loan for 25 years?
At Axis Bank's starting rate of 8% the EMI is about ₹23,154 a month. If your offered rate is 9% it would be about ₹25,176.
How much total interest will I pay?
At 8% the total interest over 25 years is about ₹39,46,346, so you repay about ₹69,46,346 in all.