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Bank of Maharashtra ₹1 crore Home Loan EMI for 25 Years
At the advertised starting rate of 7.25%, the EMI is about ₹72,281 a month, with total interest of about ₹1,16,84,206.
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) | ₹72,281 | ₹1,16,84,206 | ₹2,16,84,206 |
| 7.75% | ₹75,533 | ₹1,26,59,863 | ₹2,26,59,863 |
| 8.25% | ₹78,845 | ₹1,36,53,504 | ₹2,36,53,504 |
| 8.75% | ₹82,214 | ₹1,46,64,309 | ₹2,46,64,309 |
| 9.25% | ₹85,638 | ₹1,56,91,455 | ₹2,56,91,455 |
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 | ₹1,47,196 | ₹7,20,173 | ₹8,67,368 | ₹98,52,804 |
| Year 2 | ₹1,58,229 | ₹7,09,139 | ₹8,67,368 | ₹96,94,575 |
| Year 3 | ₹1,70,090 | ₹6,97,279 | ₹8,67,368 | ₹95,24,486 |
| Year 4 | ₹1,82,839 | ₹6,84,529 | ₹8,67,368 | ₹93,41,646 |
| Year 5 | ₹1,96,545 | ₹6,70,824 | ₹8,67,368 | ₹91,45,102 |
| Year 6 | ₹2,11,277 | ₹6,56,091 | ₹8,67,368 | ₹89,33,824 |
| Year 7 | ₹2,27,114 | ₹6,40,254 | ₹8,67,368 | ₹87,06,710 |
| Year 8 | ₹2,44,138 | ₹6,23,230 | ₹8,67,368 | ₹84,62,571 |
| Year 9 | ₹2,62,439 | ₹6,04,930 | ₹8,67,368 | ₹82,00,133 |
| Year 10 | ₹2,82,111 | ₹5,85,258 | ₹8,67,368 | ₹79,18,022 |
| Year 11 | ₹3,03,257 | ₹5,64,111 | ₹8,67,368 | ₹76,14,765 |
| Year 12 | ₹3,25,989 | ₹5,41,380 | ₹8,67,368 | ₹72,88,776 |
| Year 13 | ₹3,50,424 | ₹5,16,944 | ₹8,67,368 | ₹69,38,352 |
| Year 14 | ₹3,76,692 | ₹4,90,677 | ₹8,67,368 | ₹65,61,661 |
| Year 15 | ₹4,04,928 | ₹4,62,441 | ₹8,67,368 | ₹61,56,733 |
| Year 16 | ₹4,35,280 | ₹4,32,088 | ₹8,67,368 | ₹57,21,453 |
| Year 17 | ₹4,67,908 | ₹3,99,460 | ₹8,67,368 | ₹52,53,544 |
| Year 18 | ₹5,02,982 | ₹3,64,386 | ₹8,67,368 | ₹47,50,563 |
| Year 19 | ₹5,40,684 | ₹3,26,684 | ₹8,67,368 | ₹42,09,878 |
| Year 20 | ₹5,81,213 | ₹2,86,155 | ₹8,67,368 | ₹36,28,665 |
| Year 21 | ₹6,24,780 | ₹2,42,588 | ₹8,67,368 | ₹30,03,885 |
| Year 22 | ₹6,71,612 | ₹1,95,756 | ₹8,67,368 | ₹23,32,272 |
| Year 23 | ₹7,21,955 | ₹1,45,413 | ₹8,67,368 | ₹16,10,317 |
| Year 24 | ₹7,76,072 | ₹91,296 | ₹8,67,368 | ₹8,34,245 |
| Year 25 | ₹8,34,245 | ₹33,123 | ₹8,67,368 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Bank of Maharashtra home loan for 25 years?
At Bank of Maharashtra's starting rate of 7.25% the EMI is about ₹72,281 a month. If your offered rate is 8.25% it would be about ₹78,845.
How much total interest will I pay?
At 7.25% the total interest over 25 years is about ₹1,16,84,206, so you repay about ₹2,16,84,206 in all.