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IDFC FIRST Bank ₹20 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.75%, the EMI is about ₹15,107 a month, with total interest of about ₹25,31,973.
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) | ₹15,107 | ₹25,31,973 | ₹45,31,973 |
| 8.25% | ₹15,769 | ₹27,30,701 | ₹47,30,701 |
| 8.75% | ₹16,443 | ₹29,32,862 | ₹49,32,862 |
| 9.25% | ₹17,128 | ₹31,38,291 | ₹51,38,291 |
| 9.75% | ₹17,823 | ₹33,46,825 | ₹53,46,825 |
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 | ₹27,233 | ₹1,54,046 | ₹1,81,279 | ₹19,72,767 |
| Year 2 | ₹29,420 | ₹1,51,859 | ₹1,81,279 | ₹19,43,347 |
| Year 3 | ₹31,783 | ₹1,49,496 | ₹1,81,279 | ₹19,11,565 |
| Year 4 | ₹34,335 | ₹1,46,944 | ₹1,81,279 | ₹18,77,229 |
| Year 5 | ₹37,093 | ₹1,44,186 | ₹1,81,279 | ₹18,40,137 |
| Year 6 | ₹40,072 | ₹1,41,207 | ₹1,81,279 | ₹18,00,065 |
| Year 7 | ₹43,290 | ₹1,37,989 | ₹1,81,279 | ₹17,56,775 |
| Year 8 | ₹46,767 | ₹1,34,512 | ₹1,81,279 | ₹17,10,008 |
| Year 9 | ₹50,523 | ₹1,30,756 | ₹1,81,279 | ₹16,59,485 |
| Year 10 | ₹54,581 | ₹1,26,698 | ₹1,81,279 | ₹16,04,904 |
| Year 11 | ₹58,964 | ₹1,22,315 | ₹1,81,279 | ₹15,45,940 |
| Year 12 | ₹63,700 | ₹1,17,579 | ₹1,81,279 | ₹14,82,241 |
| Year 13 | ₹68,816 | ₹1,12,463 | ₹1,81,279 | ₹14,13,425 |
| Year 14 | ₹74,342 | ₹1,06,937 | ₹1,81,279 | ₹13,39,083 |
| Year 15 | ₹80,313 | ₹1,00,966 | ₹1,81,279 | ₹12,58,770 |
| Year 16 | ₹86,763 | ₹94,516 | ₹1,81,279 | ₹11,72,007 |
| Year 17 | ₹93,731 | ₹87,548 | ₹1,81,279 | ₹10,78,275 |
| Year 18 | ₹1,01,259 | ₹80,020 | ₹1,81,279 | ₹9,77,016 |
| Year 19 | ₹1,09,392 | ₹71,887 | ₹1,81,279 | ₹8,67,624 |
| Year 20 | ₹1,18,177 | ₹63,102 | ₹1,81,279 | ₹7,49,447 |
| Year 21 | ₹1,27,668 | ₹53,611 | ₹1,81,279 | ₹6,21,779 |
| Year 22 | ₹1,37,922 | ₹43,357 | ₹1,81,279 | ₹4,83,857 |
| Year 23 | ₹1,48,999 | ₹32,280 | ₹1,81,279 | ₹3,34,858 |
| Year 24 | ₹1,60,965 | ₹20,314 | ₹1,81,279 | ₹1,73,893 |
| Year 25 | ₹1,73,893 | ₹7,386 | ₹1,81,279 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh IDFC FIRST Bank home loan for 25 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹15,107 a month. If your offered rate is 8.75% it would be about ₹16,443.
How much total interest will I pay?
At 7.75% the total interest over 25 years is about ₹25,31,973, so you repay about ₹45,31,973 in all.