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IDFC FIRST Bank ₹1 crore Home Loan EMI for 20 Years
At the advertised starting rate of 7.75%, the EMI is about ₹82,095 a month, with total interest of about ₹97,02,766.
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) | ₹82,095 | ₹97,02,766 | ₹1,97,02,766 |
| 8.25% | ₹85,207 | ₹1,04,49,576 | ₹2,04,49,576 |
| 8.75% | ₹88,371 | ₹1,12,09,057 | ₹2,12,09,057 |
| 9.25% | ₹91,587 | ₹1,19,80,804 | ₹2,19,80,804 |
| 9.75% | ₹94,852 | ₹1,27,64,404 | ₹2,27,64,404 |
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 | ₹2,17,766 | ₹7,67,373 | ₹9,85,138 | ₹97,82,234 |
| Year 2 | ₹2,35,255 | ₹7,49,883 | ₹9,85,138 | ₹95,46,979 |
| Year 3 | ₹2,54,149 | ₹7,30,989 | ₹9,85,138 | ₹92,92,830 |
| Year 4 | ₹2,74,561 | ₹7,10,578 | ₹9,85,138 | ₹90,18,270 |
| Year 5 | ₹2,96,611 | ₹6,88,527 | ₹9,85,138 | ₹87,21,658 |
| Year 6 | ₹3,20,433 | ₹6,64,705 | ₹9,85,138 | ₹84,01,225 |
| Year 7 | ₹3,46,168 | ₹6,38,970 | ₹9,85,138 | ₹80,55,057 |
| Year 8 | ₹3,73,970 | ₹6,11,168 | ₹9,85,138 | ₹76,81,088 |
| Year 9 | ₹4,04,004 | ₹5,81,134 | ₹9,85,138 | ₹72,77,083 |
| Year 10 | ₹4,36,451 | ₹5,48,687 | ₹9,85,138 | ₹68,40,632 |
| Year 11 | ₹4,71,504 | ₹5,13,634 | ₹9,85,138 | ₹63,69,128 |
| Year 12 | ₹5,09,372 | ₹4,75,766 | ₹9,85,138 | ₹58,59,756 |
| Year 13 | ₹5,50,281 | ₹4,34,857 | ₹9,85,138 | ₹53,09,475 |
| Year 14 | ₹5,94,476 | ₹3,90,663 | ₹9,85,138 | ₹47,15,000 |
| Year 15 | ₹6,42,220 | ₹3,42,918 | ₹9,85,138 | ₹40,72,780 |
| Year 16 | ₹6,93,798 | ₹2,91,340 | ₹9,85,138 | ₹33,78,981 |
| Year 17 | ₹7,49,519 | ₹2,35,619 | ₹9,85,138 | ₹26,29,462 |
| Year 18 | ₹8,09,716 | ₹1,75,423 | ₹9,85,138 | ₹18,19,746 |
| Year 19 | ₹8,74,746 | ₹1,10,392 | ₹9,85,138 | ₹9,45,000 |
| Year 20 | ₹9,45,000 | ₹40,138 | ₹9,85,138 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore IDFC FIRST Bank home loan for 20 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹82,095 a month. If your offered rate is 8.75% it would be about ₹88,371.
How much total interest will I pay?
At 7.75% the total interest over 20 years is about ₹97,02,766, so you repay about ₹1,97,02,766 in all.