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Canara Bank ₹1 crore Home Loan EMI for 25 Years
At the advertised starting rate of 7.4%, the EMI is about ₹73,250 a month, with total interest of about ₹1,19,74,966.
Source: Canara Bank 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 |
|---|---|---|---|
| 7.4% (starting) | ₹73,250 | ₹1,19,74,966 | ₹2,19,74,966 |
| 7.9% | ₹76,520 | ₹1,29,56,104 | ₹2,29,56,104 |
| 8.4% | ₹79,850 | ₹1,39,54,981 | ₹2,39,54,981 |
| 8.9% | ₹83,236 | ₹1,49,70,775 | ₹2,49,70,775 |
| 9.4% | ₹86,676 | ₹1,60,02,663 | ₹2,60,02,663 |
Year-by-year repayment schedule at 7.4%
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 | ₹1,43,811 | ₹7,35,187 | ₹8,78,999 | ₹98,56,189 |
| Year 2 | ₹1,54,822 | ₹7,24,177 | ₹8,78,999 | ₹97,01,367 |
| Year 3 | ₹1,66,675 | ₹7,12,323 | ₹8,78,999 | ₹95,34,692 |
| Year 4 | ₹1,79,436 | ₹6,99,562 | ₹8,78,999 | ₹93,55,255 |
| Year 5 | ₹1,93,174 | ₹6,85,824 | ₹8,78,999 | ₹91,62,081 |
| Year 6 | ₹2,07,964 | ₹6,71,034 | ₹8,78,999 | ₹89,54,117 |
| Year 7 | ₹2,23,886 | ₹6,55,112 | ₹8,78,999 | ₹87,30,231 |
| Year 8 | ₹2,41,028 | ₹6,37,971 | ₹8,78,999 | ₹84,89,203 |
| Year 9 | ₹2,59,481 | ₹6,19,518 | ₹8,78,999 | ₹82,29,722 |
| Year 10 | ₹2,79,348 | ₹5,99,651 | ₹8,78,999 | ₹79,50,374 |
| Year 11 | ₹3,00,735 | ₹5,78,264 | ₹8,78,999 | ₹76,49,639 |
| Year 12 | ₹3,23,760 | ₹5,55,239 | ₹8,78,999 | ₹73,25,879 |
| Year 13 | ₹3,48,548 | ₹5,30,451 | ₹8,78,999 | ₹69,77,332 |
| Year 14 | ₹3,75,233 | ₹5,03,765 | ₹8,78,999 | ₹66,02,098 |
| Year 15 | ₹4,03,962 | ₹4,75,037 | ₹8,78,999 | ₹61,98,136 |
| Year 16 | ₹4,34,890 | ₹4,44,109 | ₹8,78,999 | ₹57,63,246 |
| Year 17 | ₹4,68,186 | ₹4,10,812 | ₹8,78,999 | ₹52,95,060 |
| Year 18 | ₹5,04,032 | ₹3,74,967 | ₹8,78,999 | ₹47,91,029 |
| Year 19 | ₹5,42,621 | ₹3,36,377 | ₹8,78,999 | ₹42,48,407 |
| Year 20 | ₹5,84,166 | ₹2,94,833 | ₹8,78,999 | ₹36,64,242 |
| Year 21 | ₹6,28,891 | ₹2,50,108 | ₹8,78,999 | ₹30,35,351 |
| Year 22 | ₹6,77,040 | ₹2,01,959 | ₹8,78,999 | ₹23,58,311 |
| Year 23 | ₹7,28,875 | ₹1,50,123 | ₹8,78,999 | ₹16,29,436 |
| Year 24 | ₹7,84,680 | ₹94,319 | ₹8,78,999 | ₹8,44,756 |
| Year 25 | ₹8,44,756 | ₹34,242 | ₹8,78,999 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Canara Bank home loan for 25 years?
At Canara Bank's starting rate of 7.4% the EMI is about ₹73,250 a month. If your offered rate is 8.4% it would be about ₹79,850.
How much total interest will I pay?
At 7.4% the total interest over 25 years is about ₹1,19,74,966, so you repay about ₹2,19,74,966 in all.