Home › Home Loan › Bank of Maharashtra › ₹50 lakh for 25 years
Bank of Maharashtra ₹50 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.25%, the EMI is about ₹36,140 a month, with total interest of about ₹58,42,103.
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) | ₹36,140 | ₹58,42,103 | ₹1,08,42,103 |
| 7.75% | ₹37,766 | ₹63,29,931 | ₹1,13,29,931 |
| 8.25% | ₹39,423 | ₹68,26,752 | ₹1,18,26,752 |
| 8.75% | ₹41,107 | ₹73,32,155 | ₹1,23,32,155 |
| 9.25% | ₹42,819 | ₹78,45,728 | ₹1,28,45,728 |
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 | ₹73,598 | ₹3,60,086 | ₹4,33,684 | ₹49,26,402 |
| Year 2 | ₹79,115 | ₹3,54,570 | ₹4,33,684 | ₹48,47,288 |
| Year 3 | ₹85,045 | ₹3,48,639 | ₹4,33,684 | ₹47,62,243 |
| Year 4 | ₹91,420 | ₹3,42,264 | ₹4,33,684 | ₹46,70,823 |
| Year 5 | ₹98,272 | ₹3,35,412 | ₹4,33,684 | ₹45,72,551 |
| Year 6 | ₹1,05,639 | ₹3,28,045 | ₹4,33,684 | ₹44,66,912 |
| Year 7 | ₹1,13,557 | ₹3,20,127 | ₹4,33,684 | ₹43,53,355 |
| Year 8 | ₹1,22,069 | ₹3,11,615 | ₹4,33,684 | ₹42,31,286 |
| Year 9 | ₹1,31,219 | ₹3,02,465 | ₹4,33,684 | ₹41,00,066 |
| Year 10 | ₹1,41,055 | ₹2,92,629 | ₹4,33,684 | ₹39,59,011 |
| Year 11 | ₹1,51,629 | ₹2,82,056 | ₹4,33,684 | ₹38,07,383 |
| Year 12 | ₹1,62,994 | ₹2,70,690 | ₹4,33,684 | ₹36,44,388 |
| Year 13 | ₹1,75,212 | ₹2,58,472 | ₹4,33,684 | ₹34,69,176 |
| Year 14 | ₹1,88,346 | ₹2,45,338 | ₹4,33,684 | ₹32,80,830 |
| Year 15 | ₹2,02,464 | ₹2,31,220 | ₹4,33,684 | ₹30,78,366 |
| Year 16 | ₹2,17,640 | ₹2,16,044 | ₹4,33,684 | ₹28,60,726 |
| Year 17 | ₹2,33,954 | ₹1,99,730 | ₹4,33,684 | ₹26,26,772 |
| Year 18 | ₹2,51,491 | ₹1,82,193 | ₹4,33,684 | ₹23,75,281 |
| Year 19 | ₹2,70,342 | ₹1,63,342 | ₹4,33,684 | ₹21,04,939 |
| Year 20 | ₹2,90,607 | ₹1,43,077 | ₹4,33,684 | ₹18,14,332 |
| Year 21 | ₹3,12,390 | ₹1,21,294 | ₹4,33,684 | ₹15,01,942 |
| Year 22 | ₹3,35,806 | ₹97,878 | ₹4,33,684 | ₹11,66,136 |
| Year 23 | ₹3,60,978 | ₹72,706 | ₹4,33,684 | ₹8,05,158 |
| Year 24 | ₹3,88,036 | ₹45,648 | ₹4,33,684 | ₹4,17,122 |
| Year 25 | ₹4,17,122 | ₹16,562 | ₹4,33,684 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Bank of Maharashtra home loan for 25 years?
At Bank of Maharashtra's starting rate of 7.25% the EMI is about ₹36,140 a month. If your offered rate is 8.25% it would be about ₹39,423.
How much total interest will I pay?
At 7.25% the total interest over 25 years is about ₹58,42,103, so you repay about ₹1,08,42,103 in all.