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IDFC FIRST Bank ₹30 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.75%, the EMI is about ₹24,628 a month, with total interest of about ₹29,10,830.
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) | ₹24,628 | ₹29,10,830 | ₹59,10,830 |
| 8.25% | ₹25,562 | ₹31,34,873 | ₹61,34,873 |
| 8.75% | ₹26,511 | ₹33,62,717 | ₹63,62,717 |
| 9.25% | ₹27,476 | ₹35,94,241 | ₹65,94,241 |
| 9.75% | ₹28,456 | ₹38,29,321 | ₹68,29,321 |
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 | ₹65,330 | ₹2,30,212 | ₹2,95,541 | ₹29,34,670 |
| Year 2 | ₹70,577 | ₹2,24,965 | ₹2,95,541 | ₹28,64,094 |
| Year 3 | ₹76,245 | ₹2,19,297 | ₹2,95,541 | ₹27,87,849 |
| Year 4 | ₹82,368 | ₹2,13,173 | ₹2,95,541 | ₹27,05,481 |
| Year 5 | ₹88,983 | ₹2,06,558 | ₹2,95,541 | ₹26,16,498 |
| Year 6 | ₹96,130 | ₹1,99,412 | ₹2,95,541 | ₹25,20,368 |
| Year 7 | ₹1,03,850 | ₹1,91,691 | ₹2,95,541 | ₹24,16,517 |
| Year 8 | ₹1,12,191 | ₹1,83,351 | ₹2,95,541 | ₹23,04,326 |
| Year 9 | ₹1,21,201 | ₹1,74,340 | ₹2,95,541 | ₹21,83,125 |
| Year 10 | ₹1,30,935 | ₹1,64,606 | ₹2,95,541 | ₹20,52,190 |
| Year 11 | ₹1,41,451 | ₹1,54,090 | ₹2,95,541 | ₹19,10,738 |
| Year 12 | ₹1,52,812 | ₹1,42,730 | ₹2,95,541 | ₹17,57,927 |
| Year 13 | ₹1,65,084 | ₹1,30,457 | ₹2,95,541 | ₹15,92,843 |
| Year 14 | ₹1,78,343 | ₹1,17,199 | ₹2,95,541 | ₹14,14,500 |
| Year 15 | ₹1,92,666 | ₹1,02,876 | ₹2,95,541 | ₹12,21,834 |
| Year 16 | ₹2,08,140 | ₹87,402 | ₹2,95,541 | ₹10,13,694 |
| Year 17 | ₹2,24,856 | ₹70,686 | ₹2,95,541 | ₹7,88,839 |
| Year 18 | ₹2,42,915 | ₹52,627 | ₹2,95,541 | ₹5,45,924 |
| Year 19 | ₹2,62,424 | ₹33,118 | ₹2,95,541 | ₹2,83,500 |
| Year 20 | ₹2,83,500 | ₹12,042 | ₹2,95,541 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh IDFC FIRST Bank home loan for 20 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹24,628 a month. If your offered rate is 8.75% it would be about ₹26,511.
How much total interest will I pay?
At 7.75% the total interest over 20 years is about ₹29,10,830, so you repay about ₹59,10,830 in all.