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Axis Bank ₹50 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 8%, the EMI is about ₹41,822 a month, with total interest of about ₹50,37,281.
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) | ₹41,822 | ₹50,37,281 | ₹1,00,37,281 |
| 8.5% | ₹43,391 | ₹54,13,879 | ₹1,04,13,879 |
| 9% | ₹44,986 | ₹57,96,711 | ₹1,07,96,711 |
| 9.5% | ₹46,607 | ₹61,85,574 | ₹1,11,85,574 |
| 10% | ₹48,251 | ₹65,80,260 | ₹1,15,80,260 |
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 | ₹1,05,683 | ₹3,96,181 | ₹5,01,864 | ₹48,94,317 |
| Year 2 | ₹1,14,455 | ₹3,87,409 | ₹5,01,864 | ₹47,79,862 |
| Year 3 | ₹1,23,955 | ₹3,77,909 | ₹5,01,864 | ₹46,55,907 |
| Year 4 | ₹1,34,243 | ₹3,67,621 | ₹5,01,864 | ₹45,21,664 |
| Year 5 | ₹1,45,385 | ₹3,56,479 | ₹5,01,864 | ₹43,76,279 |
| Year 6 | ₹1,57,452 | ₹3,44,412 | ₹5,01,864 | ₹42,18,827 |
| Year 7 | ₹1,70,520 | ₹3,31,344 | ₹5,01,864 | ₹40,48,307 |
| Year 8 | ₹1,84,673 | ₹3,17,191 | ₹5,01,864 | ₹38,63,634 |
| Year 9 | ₹2,00,001 | ₹3,01,863 | ₹5,01,864 | ₹36,63,633 |
| Year 10 | ₹2,16,601 | ₹2,85,263 | ₹5,01,864 | ₹34,47,031 |
| Year 11 | ₹2,34,579 | ₹2,67,285 | ₹5,01,864 | ₹32,12,453 |
| Year 12 | ₹2,54,049 | ₹2,47,815 | ₹5,01,864 | ₹29,58,404 |
| Year 13 | ₹2,75,135 | ₹2,26,729 | ₹5,01,864 | ₹26,83,269 |
| Year 14 | ₹2,97,971 | ₹2,03,893 | ₹5,01,864 | ₹23,85,298 |
| Year 15 | ₹3,22,702 | ₹1,79,162 | ₹5,01,864 | ₹20,62,596 |
| Year 16 | ₹3,49,486 | ₹1,52,378 | ₹5,01,864 | ₹17,13,109 |
| Year 17 | ₹3,78,494 | ₹1,23,370 | ₹5,01,864 | ₹13,34,616 |
| Year 18 | ₹4,09,908 | ₹91,956 | ₹5,01,864 | ₹9,24,707 |
| Year 19 | ₹4,43,931 | ₹57,933 | ₹5,01,864 | ₹4,80,777 |
| Year 20 | ₹4,80,777 | ₹21,087 | ₹5,01,864 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Axis Bank home loan for 20 years?
At Axis Bank's starting rate of 8% the EMI is about ₹41,822 a month. If your offered rate is 9% it would be about ₹44,986.
How much total interest will I pay?
At 8% the total interest over 20 years is about ₹50,37,281, so you repay about ₹1,00,37,281 in all.