Home › Home Loan › Axis Bank › ₹75 lakh for 20 years
Axis Bank ₹75 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 8%, the EMI is about ₹62,733 a month, with total interest of about ₹75,55,921.
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) | ₹62,733 | ₹75,55,921 | ₹1,50,55,921 |
| 8.5% | ₹65,087 | ₹81,20,818 | ₹1,56,20,818 |
| 9% | ₹67,479 | ₹86,95,067 | ₹1,61,95,067 |
| 9.5% | ₹69,910 | ₹92,78,361 | ₹1,67,78,361 |
| 10% | ₹72,377 | ₹98,70,390 | ₹1,73,70,390 |
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 | ₹1,58,525 | ₹5,94,271 | ₹7,52,796 | ₹73,41,475 |
| Year 2 | ₹1,71,682 | ₹5,81,114 | ₹7,52,796 | ₹71,69,793 |
| Year 3 | ₹1,85,932 | ₹5,66,864 | ₹7,52,796 | ₹69,83,861 |
| Year 4 | ₹2,01,364 | ₹5,51,432 | ₹7,52,796 | ₹67,82,496 |
| Year 5 | ₹2,18,077 | ₹5,34,719 | ₹7,52,796 | ₹65,64,419 |
| Year 6 | ₹2,36,178 | ₹5,16,618 | ₹7,52,796 | ₹63,28,241 |
| Year 7 | ₹2,55,780 | ₹4,97,016 | ₹7,52,796 | ₹60,72,461 |
| Year 8 | ₹2,77,010 | ₹4,75,786 | ₹7,52,796 | ₹57,95,451 |
| Year 9 | ₹3,00,002 | ₹4,52,794 | ₹7,52,796 | ₹54,95,449 |
| Year 10 | ₹3,24,902 | ₹4,27,894 | ₹7,52,796 | ₹51,70,547 |
| Year 11 | ₹3,51,868 | ₹4,00,928 | ₹7,52,796 | ₹48,18,679 |
| Year 12 | ₹3,81,073 | ₹3,71,723 | ₹7,52,796 | ₹44,37,605 |
| Year 13 | ₹4,12,702 | ₹3,40,094 | ₹7,52,796 | ₹40,24,903 |
| Year 14 | ₹4,46,956 | ₹3,05,840 | ₹7,52,796 | ₹35,77,947 |
| Year 15 | ₹4,84,053 | ₹2,68,743 | ₹7,52,796 | ₹30,93,894 |
| Year 16 | ₹5,24,230 | ₹2,28,566 | ₹7,52,796 | ₹25,69,664 |
| Year 17 | ₹5,67,740 | ₹1,85,056 | ₹7,52,796 | ₹20,01,923 |
| Year 18 | ₹6,14,863 | ₹1,37,933 | ₹7,52,796 | ₹13,87,061 |
| Year 19 | ₹6,65,896 | ₹86,900 | ₹7,52,796 | ₹7,21,165 |
| Year 20 | ₹7,21,165 | ₹31,631 | ₹7,52,796 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh Axis Bank home loan for 20 years?
At Axis Bank's starting rate of 8% the EMI is about ₹62,733 a month. If your offered rate is 9% it would be about ₹67,479.
How much total interest will I pay?
At 8% the total interest over 20 years is about ₹75,55,921, so you repay about ₹1,50,55,921 in all.