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Bank of Maharashtra ₹75 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.25%, the EMI is about ₹59,278 a month, with total interest of about ₹67,26,768.
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) | ₹59,278 | ₹67,26,768 | ₹1,42,26,768 |
| 7.75% | ₹61,571 | ₹72,77,074 | ₹1,47,77,074 |
| 8.25% | ₹63,905 | ₹78,37,182 | ₹1,53,37,182 |
| 8.75% | ₹66,278 | ₹84,06,793 | ₹1,59,06,793 |
| 9.25% | ₹68,690 | ₹89,85,603 | ₹1,64,85,603 |
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 | ₹1,73,271 | ₹5,38,067 | ₹7,11,338 | ₹73,26,729 |
| Year 2 | ₹1,86,259 | ₹5,25,079 | ₹7,11,338 | ₹71,40,470 |
| Year 3 | ₹2,00,221 | ₹5,11,118 | ₹7,11,338 | ₹69,40,249 |
| Year 4 | ₹2,15,229 | ₹4,96,110 | ₹7,11,338 | ₹67,25,021 |
| Year 5 | ₹2,31,362 | ₹4,79,976 | ₹7,11,338 | ₹64,93,659 |
| Year 6 | ₹2,48,705 | ₹4,62,634 | ₹7,11,338 | ₹62,44,954 |
| Year 7 | ₹2,67,347 | ₹4,43,991 | ₹7,11,338 | ₹59,77,607 |
| Year 8 | ₹2,87,387 | ₹4,23,952 | ₹7,11,338 | ₹56,90,220 |
| Year 9 | ₹3,08,929 | ₹4,02,409 | ₹7,11,338 | ₹53,81,291 |
| Year 10 | ₹3,32,086 | ₹3,79,253 | ₹7,11,338 | ₹50,49,206 |
| Year 11 | ₹3,56,978 | ₹3,54,360 | ₹7,11,338 | ₹46,92,227 |
| Year 12 | ₹3,83,737 | ₹3,27,602 | ₹7,11,338 | ₹43,08,491 |
| Year 13 | ₹4,12,501 | ₹2,98,837 | ₹7,11,338 | ₹38,95,989 |
| Year 14 | ₹4,43,421 | ₹2,67,917 | ₹7,11,338 | ₹34,52,568 |
| Year 15 | ₹4,76,660 | ₹2,34,679 | ₹7,11,338 | ₹29,75,909 |
| Year 16 | ₹5,12,389 | ₹1,98,949 | ₹7,11,338 | ₹24,63,520 |
| Year 17 | ₹5,50,797 | ₹1,60,541 | ₹7,11,338 | ₹19,12,723 |
| Year 18 | ₹5,92,084 | ₹1,19,255 | ₹7,11,338 | ₹13,20,639 |
| Year 19 | ₹6,36,465 | ₹74,873 | ₹7,11,338 | ₹6,84,174 |
| Year 20 | ₹6,84,174 | ₹27,165 | ₹7,11,338 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh Bank of Maharashtra home loan for 20 years?
At Bank of Maharashtra's starting rate of 7.25% the EMI is about ₹59,278 a month. If your offered rate is 8.25% it would be about ₹63,905.
How much total interest will I pay?
At 7.25% the total interest over 20 years is about ₹67,26,768, so you repay about ₹1,42,26,768 in all.