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Bank of Maharashtra ₹30 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.25%, the EMI is about ₹21,684 a month, with total interest of about ₹35,05,262.
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) | ₹21,684 | ₹35,05,262 | ₹65,05,262 |
| 7.75% | ₹22,660 | ₹37,97,959 | ₹67,97,959 |
| 8.25% | ₹23,654 | ₹40,96,051 | ₹70,96,051 |
| 8.75% | ₹24,664 | ₹43,99,293 | ₹73,99,293 |
| 9.25% | ₹25,691 | ₹47,07,437 | ₹77,07,437 |
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 | ₹44,159 | ₹2,16,052 | ₹2,60,210 | ₹29,55,841 |
| Year 2 | ₹47,469 | ₹2,12,742 | ₹2,60,210 | ₹29,08,373 |
| Year 3 | ₹51,027 | ₹2,09,184 | ₹2,60,210 | ₹28,57,346 |
| Year 4 | ₹54,852 | ₹2,05,359 | ₹2,60,210 | ₹28,02,494 |
| Year 5 | ₹58,963 | ₹2,01,247 | ₹2,60,210 | ₹27,43,530 |
| Year 6 | ₹63,383 | ₹1,96,827 | ₹2,60,210 | ₹26,80,147 |
| Year 7 | ₹68,134 | ₹1,92,076 | ₹2,60,210 | ₹26,12,013 |
| Year 8 | ₹73,242 | ₹1,86,969 | ₹2,60,210 | ₹25,38,771 |
| Year 9 | ₹78,732 | ₹1,81,479 | ₹2,60,210 | ₹24,60,040 |
| Year 10 | ₹84,633 | ₹1,75,577 | ₹2,60,210 | ₹23,75,407 |
| Year 11 | ₹90,977 | ₹1,69,233 | ₹2,60,210 | ₹22,84,430 |
| Year 12 | ₹97,797 | ₹1,62,414 | ₹2,60,210 | ₹21,86,633 |
| Year 13 | ₹1,05,127 | ₹1,55,083 | ₹2,60,210 | ₹20,81,506 |
| Year 14 | ₹1,13,007 | ₹1,47,203 | ₹2,60,210 | ₹19,68,498 |
| Year 15 | ₹1,21,478 | ₹1,38,732 | ₹2,60,210 | ₹18,47,020 |
| Year 16 | ₹1,30,584 | ₹1,29,626 | ₹2,60,210 | ₹17,16,436 |
| Year 17 | ₹1,40,372 | ₹1,19,838 | ₹2,60,210 | ₹15,76,063 |
| Year 18 | ₹1,50,895 | ₹1,09,316 | ₹2,60,210 | ₹14,25,169 |
| Year 19 | ₹1,62,205 | ₹98,005 | ₹2,60,210 | ₹12,62,963 |
| Year 20 | ₹1,74,364 | ₹85,846 | ₹2,60,210 | ₹10,88,599 |
| Year 21 | ₹1,87,434 | ₹72,776 | ₹2,60,210 | ₹9,01,165 |
| Year 22 | ₹2,01,484 | ₹58,727 | ₹2,60,210 | ₹6,99,682 |
| Year 23 | ₹2,16,587 | ₹43,624 | ₹2,60,210 | ₹4,83,095 |
| Year 24 | ₹2,32,822 | ₹27,389 | ₹2,60,210 | ₹2,50,273 |
| Year 25 | ₹2,50,273 | ₹9,937 | ₹2,60,210 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh Bank of Maharashtra home loan for 25 years?
At Bank of Maharashtra's starting rate of 7.25% the EMI is about ₹21,684 a month. If your offered rate is 8.25% it would be about ₹23,654.
How much total interest will I pay?
At 7.25% the total interest over 25 years is about ₹35,05,262, so you repay about ₹65,05,262 in all.