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IDFC FIRST Bank ₹1 crore Home Loan EMI for 25 Years
At the advertised starting rate of 7.75%, the EMI is about ₹75,533 a month, with total interest of about ₹1,26,59,863.
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) | ₹75,533 | ₹1,26,59,863 | ₹2,26,59,863 |
| 8.25% | ₹78,845 | ₹1,36,53,504 | ₹2,36,53,504 |
| 8.75% | ₹82,214 | ₹1,46,64,309 | ₹2,46,64,309 |
| 9.25% | ₹85,638 | ₹1,56,91,455 | ₹2,56,91,455 |
| 9.75% | ₹89,114 | ₹1,67,34,123 | ₹2,67,34,123 |
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 | ₹1,36,164 | ₹7,70,231 | ₹9,06,395 | ₹98,63,836 |
| Year 2 | ₹1,47,099 | ₹7,59,295 | ₹9,06,395 | ₹97,16,737 |
| Year 3 | ₹1,58,913 | ₹7,47,481 | ₹9,06,395 | ₹95,57,823 |
| Year 4 | ₹1,71,676 | ₹7,34,718 | ₹9,06,395 | ₹93,86,147 |
| Year 5 | ₹1,85,464 | ₹7,20,930 | ₹9,06,395 | ₹92,00,683 |
| Year 6 | ₹2,00,359 | ₹7,06,035 | ₹9,06,395 | ₹90,00,324 |
| Year 7 | ₹2,16,451 | ₹6,89,944 | ₹9,06,395 | ₹87,83,873 |
| Year 8 | ₹2,33,834 | ₹6,72,560 | ₹9,06,395 | ₹85,50,039 |
| Year 9 | ₹2,52,614 | ₹6,53,780 | ₹9,06,395 | ₹82,97,424 |
| Year 10 | ₹2,72,903 | ₹6,33,492 | ₹9,06,395 | ₹80,24,522 |
| Year 11 | ₹2,94,820 | ₹6,11,574 | ₹9,06,395 | ₹77,29,701 |
| Year 12 | ₹3,18,498 | ₹5,87,896 | ₹9,06,395 | ₹74,11,203 |
| Year 13 | ₹3,44,078 | ₹5,62,317 | ₹9,06,395 | ₹70,67,125 |
| Year 14 | ₹3,71,712 | ₹5,34,683 | ₹9,06,395 | ₹66,95,414 |
| Year 15 | ₹4,01,565 | ₹5,04,830 | ₹9,06,395 | ₹62,93,849 |
| Year 16 | ₹4,33,816 | ₹4,72,579 | ₹9,06,395 | ₹58,60,033 |
| Year 17 | ₹4,68,657 | ₹4,37,738 | ₹9,06,395 | ₹53,91,376 |
| Year 18 | ₹5,06,296 | ₹4,00,098 | ₹9,06,395 | ₹48,85,080 |
| Year 19 | ₹5,46,958 | ₹3,59,436 | ₹9,06,395 | ₹43,38,122 |
| Year 20 | ₹5,90,886 | ₹3,15,508 | ₹9,06,395 | ₹37,47,236 |
| Year 21 | ₹6,38,342 | ₹2,68,053 | ₹9,06,395 | ₹31,08,894 |
| Year 22 | ₹6,89,609 | ₹2,16,785 | ₹9,06,395 | ₹24,19,284 |
| Year 23 | ₹7,44,994 | ₹1,61,401 | ₹9,06,395 | ₹16,74,291 |
| Year 24 | ₹8,04,826 | ₹1,01,568 | ₹9,06,395 | ₹8,69,464 |
| Year 25 | ₹8,69,464 | ₹36,930 | ₹9,06,395 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore IDFC FIRST Bank home loan for 25 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹75,533 a month. If your offered rate is 8.75% it would be about ₹82,214.
How much total interest will I pay?
At 7.75% the total interest over 25 years is about ₹1,26,59,863, so you repay about ₹2,26,59,863 in all.