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Bank of Maharashtra ₹75 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.25%, the EMI is about ₹54,211 a month, with total interest of about ₹87,63,154.
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) | ₹54,211 | ₹87,63,154 | ₹1,62,63,154 |
| 7.75% | ₹56,650 | ₹94,94,897 | ₹1,69,94,897 |
| 8.25% | ₹59,134 | ₹1,02,40,128 | ₹1,77,40,128 |
| 8.75% | ₹61,661 | ₹1,09,98,232 | ₹1,84,98,232 |
| 9.25% | ₹64,229 | ₹1,17,68,591 | ₹1,92,68,591 |
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 | ₹1,10,397 | ₹5,40,129 | ₹6,50,526 | ₹73,89,603 |
| Year 2 | ₹1,18,672 | ₹5,31,854 | ₹6,50,526 | ₹72,70,931 |
| Year 3 | ₹1,27,567 | ₹5,22,959 | ₹6,50,526 | ₹71,43,364 |
| Year 4 | ₹1,37,130 | ₹5,13,397 | ₹6,50,526 | ₹70,06,235 |
| Year 5 | ₹1,47,409 | ₹5,03,118 | ₹6,50,526 | ₹68,58,826 |
| Year 6 | ₹1,58,458 | ₹4,92,068 | ₹6,50,526 | ₹67,00,368 |
| Year 7 | ₹1,70,336 | ₹4,80,190 | ₹6,50,526 | ₹65,30,032 |
| Year 8 | ₹1,83,104 | ₹4,67,422 | ₹6,50,526 | ₹63,46,929 |
| Year 9 | ₹1,96,829 | ₹4,53,697 | ₹6,50,526 | ₹61,50,100 |
| Year 10 | ₹2,11,583 | ₹4,38,943 | ₹6,50,526 | ₹59,38,517 |
| Year 11 | ₹2,27,443 | ₹4,23,083 | ₹6,50,526 | ₹57,11,074 |
| Year 12 | ₹2,44,492 | ₹4,06,035 | ₹6,50,526 | ₹54,66,582 |
| Year 13 | ₹2,62,818 | ₹3,87,708 | ₹6,50,526 | ₹52,03,764 |
| Year 14 | ₹2,82,519 | ₹3,68,008 | ₹6,50,526 | ₹49,21,245 |
| Year 15 | ₹3,03,696 | ₹3,46,830 | ₹6,50,526 | ₹46,17,550 |
| Year 16 | ₹3,26,460 | ₹3,24,066 | ₹6,50,526 | ₹42,91,089 |
| Year 17 | ₹3,50,931 | ₹2,99,595 | ₹6,50,526 | ₹39,40,158 |
| Year 18 | ₹3,77,236 | ₹2,73,290 | ₹6,50,526 | ₹35,62,922 |
| Year 19 | ₹4,05,513 | ₹2,45,013 | ₹6,50,526 | ₹31,57,409 |
| Year 20 | ₹4,35,910 | ₹2,14,616 | ₹6,50,526 | ₹27,21,499 |
| Year 21 | ₹4,68,585 | ₹1,81,941 | ₹6,50,526 | ₹22,52,914 |
| Year 22 | ₹5,03,709 | ₹1,46,817 | ₹6,50,526 | ₹17,49,204 |
| Year 23 | ₹5,41,467 | ₹1,09,060 | ₹6,50,526 | ₹12,07,738 |
| Year 24 | ₹5,82,054 | ₹68,472 | ₹6,50,526 | ₹6,25,684 |
| Year 25 | ₹6,25,684 | ₹24,842 | ₹6,50,526 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh Bank of Maharashtra home loan for 25 years?
At Bank of Maharashtra's starting rate of 7.25% the EMI is about ₹54,211 a month. If your offered rate is 8.25% it would be about ₹59,134.
How much total interest will I pay?
At 7.25% the total interest over 25 years is about ₹87,63,154, so you repay about ₹1,62,63,154 in all.