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Central Bank of India ₹20 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.45%, the EMI is about ₹14,715 a month, with total interest of about ₹24,14,452.
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) | ₹14,715 | ₹24,14,452 | ₹44,14,452 |
| 7.95% | ₹15,370 | ₹26,11,041 | ₹46,11,041 |
| 8.45% | ₹16,037 | ₹28,11,162 | ₹48,11,162 |
| 8.95% | ₹16,716 | ₹30,14,651 | ₹50,14,651 |
| 9.45% | ₹17,404 | ₹32,21,341 | ₹52,21,341 |
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 | ₹28,540 | ₹1,48,039 | ₹1,76,578 | ₹19,71,460 |
| Year 2 | ₹30,740 | ₹1,45,838 | ₹1,76,578 | ₹19,40,721 |
| Year 3 | ₹33,110 | ₹1,43,468 | ₹1,76,578 | ₹19,07,611 |
| Year 4 | ₹35,662 | ₹1,40,916 | ₹1,76,578 | ₹18,71,948 |
| Year 5 | ₹38,412 | ₹1,38,166 | ₹1,76,578 | ₹18,33,537 |
| Year 6 | ₹41,373 | ₹1,35,205 | ₹1,76,578 | ₹17,92,163 |
| Year 7 | ₹44,563 | ₹1,32,015 | ₹1,76,578 | ₹17,47,600 |
| Year 8 | ₹47,999 | ₹1,28,579 | ₹1,76,578 | ₹16,99,601 |
| Year 9 | ₹51,699 | ₹1,24,879 | ₹1,76,578 | ₹16,47,902 |
| Year 10 | ₹55,685 | ₹1,20,893 | ₹1,76,578 | ₹15,92,216 |
| Year 11 | ₹59,979 | ₹1,16,600 | ₹1,76,578 | ₹15,32,238 |
| Year 12 | ₹64,603 | ₹1,11,975 | ₹1,76,578 | ₹14,67,635 |
| Year 13 | ₹69,583 | ₹1,06,995 | ₹1,76,578 | ₹13,98,052 |
| Year 14 | ₹74,948 | ₹1,01,630 | ₹1,76,578 | ₹13,23,104 |
| Year 15 | ₹80,726 | ₹95,852 | ₹1,76,578 | ₹12,42,377 |
| Year 16 | ₹86,950 | ₹89,628 | ₹1,76,578 | ₹11,55,427 |
| Year 17 | ₹93,654 | ₹82,924 | ₹1,76,578 | ₹10,61,774 |
| Year 18 | ₹1,00,874 | ₹75,704 | ₹1,76,578 | ₹9,60,899 |
| Year 19 | ₹1,08,651 | ₹67,927 | ₹1,76,578 | ₹8,52,248 |
| Year 20 | ₹1,17,028 | ₹59,550 | ₹1,76,578 | ₹7,35,220 |
| Year 21 | ₹1,26,051 | ₹50,528 | ₹1,76,578 | ₹6,09,169 |
| Year 22 | ₹1,35,769 | ₹40,809 | ₹1,76,578 | ₹4,73,401 |
| Year 23 | ₹1,46,236 | ₹30,342 | ₹1,76,578 | ₹3,27,165 |
| Year 24 | ₹1,57,511 | ₹19,068 | ₹1,76,578 | ₹1,69,654 |
| Year 25 | ₹1,69,654 | ₹6,924 | ₹1,76,578 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh Central Bank of India home loan for 25 years?
At Central Bank of India's starting rate of 7.45% the EMI is about ₹14,715 a month. If your offered rate is 8.45% it would be about ₹16,037.
How much total interest will I pay?
At 7.45% the total interest over 25 years is about ₹24,14,452, so you repay about ₹44,14,452 in all.