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IDFC FIRST Bank ₹1 crore Home Loan EMI for 15 Years
At the advertised starting rate of 7.75%, the EMI is about ₹94,128 a month, with total interest of about ₹69,42,964.
Source: IDFC FIRST 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 |
|---|---|---|---|
| 7.75% (starting) | ₹94,128 | ₹69,42,964 | ₹1,69,42,964 |
| 8.25% | ₹97,014 | ₹74,62,526 | ₹1,74,62,526 |
| 8.75% | ₹99,945 | ₹79,90,076 | ₹1,79,90,076 |
| 9.25% | ₹1,02,919 | ₹85,25,461 | ₹1,85,25,461 |
| 9.75% | ₹1,05,936 | ₹90,68,528 | ₹1,90,68,528 |
Year-by-year repayment schedule at 7.75%
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 | ₹3,67,399 | ₹7,62,132 | ₹11,29,531 | ₹96,32,601 |
| Year 2 | ₹3,96,906 | ₹7,32,625 | ₹11,29,531 | ₹92,35,695 |
| Year 3 | ₹4,28,783 | ₹7,00,748 | ₹11,29,531 | ₹88,06,912 |
| Year 4 | ₹4,63,220 | ₹6,66,311 | ₹11,29,531 | ₹83,43,692 |
| Year 5 | ₹5,00,422 | ₹6,29,109 | ₹11,29,531 | ₹78,43,270 |
| Year 6 | ₹5,40,613 | ₹5,88,918 | ₹11,29,531 | ₹73,02,657 |
| Year 7 | ₹5,84,031 | ₹5,45,500 | ₹11,29,531 | ₹67,18,626 |
| Year 8 | ₹6,30,936 | ₹4,98,595 | ₹11,29,531 | ₹60,87,690 |
| Year 9 | ₹6,81,609 | ₹4,47,922 | ₹11,29,531 | ₹54,06,081 |
| Year 10 | ₹7,36,351 | ₹3,93,180 | ₹11,29,531 | ₹46,69,731 |
| Year 11 | ₹7,95,489 | ₹3,34,042 | ₹11,29,531 | ₹38,74,242 |
| Year 12 | ₹8,59,377 | ₹2,70,154 | ₹11,29,531 | ₹30,14,864 |
| Year 13 | ₹9,28,396 | ₹2,01,135 | ₹11,29,531 | ₹20,86,468 |
| Year 14 | ₹10,02,959 | ₹1,26,572 | ₹11,29,531 | ₹10,83,509 |
| Year 15 | ₹10,83,509 | ₹46,022 | ₹11,29,531 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore IDFC FIRST Bank home loan for 15 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹94,128 a month. If your offered rate is 8.75% it would be about ₹99,945.
How much total interest will I pay?
At 7.75% the total interest over 15 years is about ₹69,42,964, so you repay about ₹1,69,42,964 in all.