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Bank of Maharashtra ₹1 crore Home Loan EMI for 20 Years
At the advertised starting rate of 7.25%, the EMI is about ₹79,038 a month, with total interest of about ₹89,69,024.
Source: Bank of Maharashtra 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 |
|---|---|---|---|
| 7.25% (starting) | ₹79,038 | ₹89,69,024 | ₹1,89,69,024 |
| 7.75% | ₹82,095 | ₹97,02,766 | ₹1,97,02,766 |
| 8.25% | ₹85,207 | ₹1,04,49,576 | ₹2,04,49,576 |
| 8.75% | ₹88,371 | ₹1,12,09,057 | ₹2,12,09,057 |
| 9.25% | ₹91,587 | ₹1,19,80,804 | ₹2,19,80,804 |
Year-by-year repayment schedule at 7.25%
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 | ₹2,31,028 | ₹7,17,423 | ₹9,48,451 | ₹97,68,972 |
| Year 2 | ₹2,48,345 | ₹7,00,106 | ₹9,48,451 | ₹95,20,627 |
| Year 3 | ₹2,66,961 | ₹6,81,490 | ₹9,48,451 | ₹92,53,666 |
| Year 4 | ₹2,86,972 | ₹6,61,479 | ₹9,48,451 | ₹89,66,694 |
| Year 5 | ₹3,08,483 | ₹6,39,968 | ₹9,48,451 | ₹86,58,211 |
| Year 6 | ₹3,31,606 | ₹6,16,845 | ₹9,48,451 | ₹83,26,605 |
| Year 7 | ₹3,56,463 | ₹5,91,989 | ₹9,48,451 | ₹79,70,143 |
| Year 8 | ₹3,83,183 | ₹5,65,269 | ₹9,48,451 | ₹75,86,960 |
| Year 9 | ₹4,11,905 | ₹5,36,546 | ₹9,48,451 | ₹71,75,055 |
| Year 10 | ₹4,42,781 | ₹5,05,670 | ₹9,48,451 | ₹67,32,274 |
| Year 11 | ₹4,75,971 | ₹4,72,480 | ₹9,48,451 | ₹62,56,303 |
| Year 12 | ₹5,11,649 | ₹4,36,802 | ₹9,48,451 | ₹57,44,654 |
| Year 13 | ₹5,50,001 | ₹3,98,450 | ₹9,48,451 | ₹51,94,653 |
| Year 14 | ₹5,91,229 | ₹3,57,223 | ₹9,48,451 | ₹46,03,424 |
| Year 15 | ₹6,35,546 | ₹3,12,905 | ₹9,48,451 | ₹39,67,878 |
| Year 16 | ₹6,83,185 | ₹2,65,266 | ₹9,48,451 | ₹32,84,693 |
| Year 17 | ₹7,34,396 | ₹2,14,055 | ₹9,48,451 | ₹25,50,297 |
| Year 18 | ₹7,89,445 | ₹1,59,006 | ₹9,48,451 | ₹17,60,852 |
| Year 19 | ₹8,48,620 | ₹99,831 | ₹9,48,451 | ₹9,12,232 |
| Year 20 | ₹9,12,232 | ₹36,220 | ₹9,48,451 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Bank of Maharashtra home loan for 20 years?
At Bank of Maharashtra's starting rate of 7.25% the EMI is about ₹79,038 a month. If your offered rate is 8.25% it would be about ₹85,207.
How much total interest will I pay?
At 7.25% the total interest over 20 years is about ₹89,69,024, so you repay about ₹1,89,69,024 in all.