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Bank of Maharashtra ₹20 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.25%, the EMI is about ₹14,456 a month, with total interest of about ₹23,36,841.
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) | ₹14,456 | ₹23,36,841 | ₹43,36,841 |
| 7.75% | ₹15,107 | ₹25,31,973 | ₹45,31,973 |
| 8.25% | ₹15,769 | ₹27,30,701 | ₹47,30,701 |
| 8.75% | ₹16,443 | ₹29,32,862 | ₹49,32,862 |
| 9.25% | ₹17,128 | ₹31,38,291 | ₹51,38,291 |
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 | ₹29,439 | ₹1,44,035 | ₹1,73,474 | ₹19,70,561 |
| Year 2 | ₹31,646 | ₹1,41,828 | ₹1,73,474 | ₹19,38,915 |
| Year 3 | ₹34,018 | ₹1,39,456 | ₹1,73,474 | ₹19,04,897 |
| Year 4 | ₹36,568 | ₹1,36,906 | ₹1,73,474 | ₹18,68,329 |
| Year 5 | ₹39,309 | ₹1,34,165 | ₹1,73,474 | ₹18,29,020 |
| Year 6 | ₹42,255 | ₹1,31,218 | ₹1,73,474 | ₹17,86,765 |
| Year 7 | ₹45,423 | ₹1,28,051 | ₹1,73,474 | ₹17,41,342 |
| Year 8 | ₹48,828 | ₹1,24,646 | ₹1,73,474 | ₹16,92,514 |
| Year 9 | ₹52,488 | ₹1,20,986 | ₹1,73,474 | ₹16,40,027 |
| Year 10 | ₹56,422 | ₹1,17,052 | ₹1,73,474 | ₹15,83,604 |
| Year 11 | ₹60,651 | ₹1,12,822 | ₹1,73,474 | ₹15,22,953 |
| Year 12 | ₹65,198 | ₹1,08,276 | ₹1,73,474 | ₹14,57,755 |
| Year 13 | ₹70,085 | ₹1,03,389 | ₹1,73,474 | ₹13,87,670 |
| Year 14 | ₹75,338 | ₹98,135 | ₹1,73,474 | ₹13,12,332 |
| Year 15 | ₹80,986 | ₹92,488 | ₹1,73,474 | ₹12,31,347 |
| Year 16 | ₹87,056 | ₹86,418 | ₹1,73,474 | ₹11,44,291 |
| Year 17 | ₹93,582 | ₹79,892 | ₹1,73,474 | ₹10,50,709 |
| Year 18 | ₹1,00,596 | ₹72,877 | ₹1,73,474 | ₹9,50,113 |
| Year 19 | ₹1,08,137 | ₹65,337 | ₹1,73,474 | ₹8,41,976 |
| Year 20 | ₹1,16,243 | ₹57,231 | ₹1,73,474 | ₹7,25,733 |
| Year 21 | ₹1,24,956 | ₹48,518 | ₹1,73,474 | ₹6,00,777 |
| Year 22 | ₹1,34,322 | ₹39,151 | ₹1,73,474 | ₹4,66,454 |
| Year 23 | ₹1,44,391 | ₹29,083 | ₹1,73,474 | ₹3,22,063 |
| Year 24 | ₹1,55,214 | ₹18,259 | ₹1,73,474 | ₹1,66,849 |
| Year 25 | ₹1,66,849 | ₹6,625 | ₹1,73,474 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh Bank of Maharashtra home loan for 25 years?
At Bank of Maharashtra's starting rate of 7.25% the EMI is about ₹14,456 a month. If your offered rate is 8.25% it would be about ₹15,769.
How much total interest will I pay?
At 7.25% the total interest over 25 years is about ₹23,36,841, so you repay about ₹43,36,841 in all.