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Axis Bank ₹75 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 8%, the EMI is about ₹57,886 a month, with total interest of about ₹98,65,865.
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) | ₹57,886 | ₹98,65,865 | ₹1,73,65,865 |
| 8.5% | ₹60,392 | ₹1,06,17,609 | ₹1,81,17,609 |
| 9% | ₹62,940 | ₹1,13,81,918 | ₹1,88,81,918 |
| 9.5% | ₹65,527 | ₹1,21,58,175 | ₹1,96,58,175 |
| 10% | ₹68,153 | ₹1,29,45,767 | ₹2,04,45,767 |
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 | ₹98,183 | ₹5,96,452 | ₹6,94,635 | ₹74,01,817 |
| Year 2 | ₹1,06,332 | ₹5,88,303 | ₹6,94,635 | ₹72,95,485 |
| Year 3 | ₹1,15,157 | ₹5,79,477 | ₹6,94,635 | ₹71,80,328 |
| Year 4 | ₹1,24,715 | ₹5,69,919 | ₹6,94,635 | ₹70,55,612 |
| Year 5 | ₹1,35,067 | ₹5,59,568 | ₹6,94,635 | ₹69,20,546 |
| Year 6 | ₹1,46,277 | ₹5,48,357 | ₹6,94,635 | ₹67,74,268 |
| Year 7 | ₹1,58,418 | ₹5,36,216 | ₹6,94,635 | ₹66,15,850 |
| Year 8 | ₹1,71,567 | ₹5,23,068 | ₹6,94,635 | ₹64,44,283 |
| Year 9 | ₹1,85,807 | ₹5,08,828 | ₹6,94,635 | ₹62,58,477 |
| Year 10 | ₹2,01,229 | ₹4,93,406 | ₹6,94,635 | ₹60,57,248 |
| Year 11 | ₹2,17,931 | ₹4,76,704 | ₹6,94,635 | ₹58,39,317 |
| Year 12 | ₹2,36,019 | ₹4,58,616 | ₹6,94,635 | ₹56,03,299 |
| Year 13 | ₹2,55,608 | ₹4,39,027 | ₹6,94,635 | ₹53,47,691 |
| Year 14 | ₹2,76,823 | ₹4,17,811 | ₹6,94,635 | ₹50,70,867 |
| Year 15 | ₹2,99,800 | ₹3,94,835 | ₹6,94,635 | ₹47,71,068 |
| Year 16 | ₹3,24,683 | ₹3,69,952 | ₹6,94,635 | ₹44,46,385 |
| Year 17 | ₹3,51,631 | ₹3,43,003 | ₹6,94,635 | ₹40,94,753 |
| Year 18 | ₹3,80,817 | ₹3,13,818 | ₹6,94,635 | ₹37,13,937 |
| Year 19 | ₹4,12,424 | ₹2,82,210 | ₹6,94,635 | ₹33,01,513 |
| Year 20 | ₹4,46,655 | ₹2,47,979 | ₹6,94,635 | ₹28,54,858 |
| Year 21 | ₹4,83,727 | ₹2,10,907 | ₹6,94,635 | ₹23,71,130 |
| Year 22 | ₹5,23,876 | ₹1,70,758 | ₹6,94,635 | ₹18,47,254 |
| Year 23 | ₹5,67,358 | ₹1,27,277 | ₹6,94,635 | ₹12,79,896 |
| Year 24 | ₹6,14,448 | ₹80,186 | ₹6,94,635 | ₹6,65,447 |
| Year 25 | ₹6,65,447 | ₹29,187 | ₹6,94,635 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh Axis Bank home loan for 25 years?
At Axis Bank's starting rate of 8% the EMI is about ₹57,886 a month. If your offered rate is 9% it would be about ₹62,940.
How much total interest will I pay?
At 8% the total interest over 25 years is about ₹98,65,865, so you repay about ₹1,73,65,865 in all.