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Central Bank of India ₹1 crore Home Loan EMI for 25 Years
At the advertised starting rate of 7.45%, the EMI is about ₹73,574 a month, with total interest of about ₹1,20,72,258.
Source: Central Bank of India 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 |
|---|---|---|---|
| 7.45% (starting) | ₹73,574 | ₹1,20,72,258 | ₹2,20,72,258 |
| 7.95% | ₹76,851 | ₹1,30,55,207 | ₹2,30,55,207 |
| 8.45% | ₹80,186 | ₹1,40,55,812 | ₹2,40,55,812 |
| 8.95% | ₹83,578 | ₹1,50,73,253 | ₹2,50,73,253 |
| 9.45% | ₹87,022 | ₹1,61,06,705 | ₹2,61,06,705 |
Year-by-year repayment schedule at 7.45%
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 | ₹1,42,698 | ₹7,40,193 | ₹8,82,890 | ₹98,57,302 |
| Year 2 | ₹1,53,699 | ₹7,29,191 | ₹8,82,890 | ₹97,03,603 |
| Year 3 | ₹1,65,549 | ₹7,17,341 | ₹8,82,890 | ₹95,38,054 |
| Year 4 | ₹1,78,312 | ₹7,04,578 | ₹8,82,890 | ₹93,59,742 |
| Year 5 | ₹1,92,060 | ₹6,90,831 | ₹8,82,890 | ₹91,67,683 |
| Year 6 | ₹2,06,867 | ₹6,76,023 | ₹8,82,890 | ₹89,60,816 |
| Year 7 | ₹2,22,816 | ₹6,60,075 | ₹8,82,890 | ₹87,38,000 |
| Year 8 | ₹2,39,994 | ₹6,42,896 | ₹8,82,890 | ₹84,98,006 |
| Year 9 | ₹2,58,497 | ₹6,24,393 | ₹8,82,890 | ₹82,39,508 |
| Year 10 | ₹2,78,427 | ₹6,04,464 | ₹8,82,890 | ₹79,61,082 |
| Year 11 | ₹2,99,893 | ₹5,82,998 | ₹8,82,890 | ₹76,61,189 |
| Year 12 | ₹3,23,013 | ₹5,59,877 | ₹8,82,890 | ₹73,38,176 |
| Year 13 | ₹3,47,917 | ₹5,34,973 | ₹8,82,890 | ₹69,90,259 |
| Year 14 | ₹3,74,740 | ₹5,08,150 | ₹8,82,890 | ₹66,15,519 |
| Year 15 | ₹4,03,632 | ₹4,79,259 | ₹8,82,890 | ₹62,11,887 |
| Year 16 | ₹4,34,751 | ₹4,48,140 | ₹8,82,890 | ₹57,77,136 |
| Year 17 | ₹4,68,269 | ₹4,14,622 | ₹8,82,890 | ₹53,08,868 |
| Year 18 | ₹5,04,371 | ₹3,78,519 | ₹8,82,890 | ₹48,04,497 |
| Year 19 | ₹5,43,257 | ₹3,39,634 | ₹8,82,890 | ₹42,61,240 |
| Year 20 | ₹5,85,140 | ₹2,97,750 | ₹8,82,890 | ₹36,76,100 |
| Year 21 | ₹6,30,253 | ₹2,52,638 | ₹8,82,890 | ₹30,45,847 |
| Year 22 | ₹6,78,844 | ₹2,04,047 | ₹8,82,890 | ₹23,67,004 |
| Year 23 | ₹7,31,181 | ₹1,51,710 | ₹8,82,890 | ₹16,35,823 |
| Year 24 | ₹7,87,553 | ₹95,338 | ₹8,82,890 | ₹8,48,271 |
| Year 25 | ₹8,48,271 | ₹34,620 | ₹8,82,890 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Central Bank of India home loan for 25 years?
At Central Bank of India's starting rate of 7.45% the EMI is about ₹73,574 a month. If your offered rate is 8.45% it would be about ₹80,186.
How much total interest will I pay?
At 7.45% the total interest over 25 years is about ₹1,20,72,258, so you repay about ₹2,20,72,258 in all.