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Axis Bank ₹50 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 8%, the EMI is about ₹38,591 a month, with total interest of about ₹65,77,243.
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) | ₹38,591 | ₹65,77,243 | ₹1,15,77,243 |
| 8.5% | ₹40,261 | ₹70,78,406 | ₹1,20,78,406 |
| 9% | ₹41,960 | ₹75,87,945 | ₹1,25,87,945 |
| 9.5% | ₹43,685 | ₹81,05,450 | ₹1,31,05,450 |
| 10% | ₹45,435 | ₹86,30,511 | ₹1,36,30,511 |
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 | ₹65,455 | ₹3,97,635 | ₹4,63,090 | ₹49,34,545 |
| Year 2 | ₹70,888 | ₹3,92,202 | ₹4,63,090 | ₹48,63,657 |
| Year 3 | ₹76,772 | ₹3,86,318 | ₹4,63,090 | ₹47,86,885 |
| Year 4 | ₹83,144 | ₹3,79,946 | ₹4,63,090 | ₹47,03,742 |
| Year 5 | ₹90,045 | ₹3,73,045 | ₹4,63,090 | ₹46,13,697 |
| Year 6 | ₹97,518 | ₹3,65,572 | ₹4,63,090 | ₹45,16,179 |
| Year 7 | ₹1,05,612 | ₹3,57,478 | ₹4,63,090 | ₹44,10,567 |
| Year 8 | ₹1,14,378 | ₹3,48,712 | ₹4,63,090 | ₹42,96,189 |
| Year 9 | ₹1,23,871 | ₹3,39,219 | ₹4,63,090 | ₹41,72,318 |
| Year 10 | ₹1,34,152 | ₹3,28,937 | ₹4,63,090 | ₹40,38,165 |
| Year 11 | ₹1,45,287 | ₹3,17,803 | ₹4,63,090 | ₹38,92,878 |
| Year 12 | ₹1,57,346 | ₹3,05,744 | ₹4,63,090 | ₹37,35,533 |
| Year 13 | ₹1,70,405 | ₹2,92,684 | ₹4,63,090 | ₹35,65,127 |
| Year 14 | ₹1,84,549 | ₹2,78,541 | ₹4,63,090 | ₹33,80,578 |
| Year 15 | ₹1,99,866 | ₹2,63,223 | ₹4,63,090 | ₹31,80,712 |
| Year 16 | ₹2,16,455 | ₹2,46,634 | ₹4,63,090 | ₹29,64,257 |
| Year 17 | ₹2,34,421 | ₹2,28,669 | ₹4,63,090 | ₹27,29,836 |
| Year 18 | ₹2,53,878 | ₹2,09,212 | ₹4,63,090 | ₹24,75,958 |
| Year 19 | ₹2,74,949 | ₹1,88,140 | ₹4,63,090 | ₹22,01,008 |
| Year 20 | ₹2,97,770 | ₹1,65,320 | ₹4,63,090 | ₹19,03,238 |
| Year 21 | ₹3,22,485 | ₹1,40,605 | ₹4,63,090 | ₹15,80,753 |
| Year 22 | ₹3,49,251 | ₹1,13,839 | ₹4,63,090 | ₹12,31,502 |
| Year 23 | ₹3,78,239 | ₹84,851 | ₹4,63,090 | ₹8,53,264 |
| Year 24 | ₹4,09,632 | ₹53,457 | ₹4,63,090 | ₹4,43,632 |
| Year 25 | ₹4,43,632 | ₹19,458 | ₹4,63,090 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Axis Bank home loan for 25 years?
At Axis Bank's starting rate of 8% the EMI is about ₹38,591 a month. If your offered rate is 9% it would be about ₹41,960.
How much total interest will I pay?
At 8% the total interest over 25 years is about ₹65,77,243, so you repay about ₹1,15,77,243 in all.