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IDFC FIRST Bank ₹30 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 7.75%, the EMI is about ₹28,238 a month, with total interest of about ₹20,82,889.
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) | ₹28,238 | ₹20,82,889 | ₹50,82,889 |
| 8.25% | ₹29,104 | ₹22,38,758 | ₹52,38,758 |
| 8.75% | ₹29,983 | ₹23,97,023 | ₹53,97,023 |
| 9.25% | ₹30,876 | ₹25,57,638 | ₹55,57,638 |
| 9.75% | ₹31,781 | ₹27,20,558 | ₹57,20,558 |
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 | ₹1,10,220 | ₹2,28,640 | ₹3,38,859 | ₹28,89,780 |
| Year 2 | ₹1,19,072 | ₹2,19,787 | ₹3,38,859 | ₹27,70,708 |
| Year 3 | ₹1,28,635 | ₹2,10,224 | ₹3,38,859 | ₹26,42,074 |
| Year 4 | ₹1,38,966 | ₹1,99,893 | ₹3,38,859 | ₹25,03,108 |
| Year 5 | ₹1,50,127 | ₹1,88,733 | ₹3,38,859 | ₹23,52,981 |
| Year 6 | ₹1,62,184 | ₹1,76,675 | ₹3,38,859 | ₹21,90,797 |
| Year 7 | ₹1,75,209 | ₹1,63,650 | ₹3,38,859 | ₹20,15,588 |
| Year 8 | ₹1,89,281 | ₹1,49,578 | ₹3,38,859 | ₹18,26,307 |
| Year 9 | ₹2,04,483 | ₹1,34,377 | ₹3,38,859 | ₹16,21,824 |
| Year 10 | ₹2,20,905 | ₹1,17,954 | ₹3,38,859 | ₹14,00,919 |
| Year 11 | ₹2,38,647 | ₹1,00,213 | ₹3,38,859 | ₹11,62,272 |
| Year 12 | ₹2,57,813 | ₹81,046 | ₹3,38,859 | ₹9,04,459 |
| Year 13 | ₹2,78,519 | ₹60,340 | ₹3,38,859 | ₹6,25,940 |
| Year 14 | ₹3,00,888 | ₹37,972 | ₹3,38,859 | ₹3,25,053 |
| Year 15 | ₹3,25,053 | ₹13,806 | ₹3,38,859 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh IDFC FIRST Bank home loan for 15 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹28,238 a month. If your offered rate is 8.75% it would be about ₹29,983.
How much total interest will I pay?
At 7.75% the total interest over 15 years is about ₹20,82,889, so you repay about ₹50,82,889 in all.