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IDFC FIRST Bank ₹30 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.75%, the EMI is about ₹22,660 a month, with total interest of about ₹37,97,959.
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) | ₹22,660 | ₹37,97,959 | ₹67,97,959 |
| 8.25% | ₹23,654 | ₹40,96,051 | ₹70,96,051 |
| 8.75% | ₹24,664 | ₹43,99,293 | ₹73,99,293 |
| 9.25% | ₹25,691 | ₹47,07,437 | ₹77,07,437 |
| 9.75% | ₹26,734 | ₹50,20,237 | ₹80,20,237 |
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 | ₹40,849 | ₹2,31,069 | ₹2,71,918 | ₹29,59,151 |
| Year 2 | ₹44,130 | ₹2,27,789 | ₹2,71,918 | ₹29,15,021 |
| Year 3 | ₹47,674 | ₹2,24,244 | ₹2,71,918 | ₹28,67,347 |
| Year 4 | ₹51,503 | ₹2,20,415 | ₹2,71,918 | ₹28,15,844 |
| Year 5 | ₹55,639 | ₹2,16,279 | ₹2,71,918 | ₹27,60,205 |
| Year 6 | ₹60,108 | ₹2,11,811 | ₹2,71,918 | ₹27,00,097 |
| Year 7 | ₹64,935 | ₹2,06,983 | ₹2,71,918 | ₹26,35,162 |
| Year 8 | ₹70,150 | ₹2,01,768 | ₹2,71,918 | ₹25,65,012 |
| Year 9 | ₹75,784 | ₹1,96,134 | ₹2,71,918 | ₹24,89,227 |
| Year 10 | ₹81,871 | ₹1,90,048 | ₹2,71,918 | ₹24,07,356 |
| Year 11 | ₹88,446 | ₹1,83,472 | ₹2,71,918 | ₹23,18,910 |
| Year 12 | ₹95,549 | ₹1,76,369 | ₹2,71,918 | ₹22,23,361 |
| Year 13 | ₹1,03,223 | ₹1,68,695 | ₹2,71,918 | ₹21,20,138 |
| Year 14 | ₹1,11,513 | ₹1,60,405 | ₹2,71,918 | ₹20,08,624 |
| Year 15 | ₹1,20,469 | ₹1,51,449 | ₹2,71,918 | ₹18,88,155 |
| Year 16 | ₹1,30,145 | ₹1,41,774 | ₹2,71,918 | ₹17,58,010 |
| Year 17 | ₹1,40,597 | ₹1,31,321 | ₹2,71,918 | ₹16,17,413 |
| Year 18 | ₹1,51,889 | ₹1,20,030 | ₹2,71,918 | ₹14,65,524 |
| Year 19 | ₹1,64,087 | ₹1,07,831 | ₹2,71,918 | ₹13,01,437 |
| Year 20 | ₹1,77,266 | ₹94,653 | ₹2,71,918 | ₹11,24,171 |
| Year 21 | ₹1,91,503 | ₹80,416 | ₹2,71,918 | ₹9,32,668 |
| Year 22 | ₹2,06,883 | ₹65,036 | ₹2,71,918 | ₹7,25,785 |
| Year 23 | ₹2,23,498 | ₹48,420 | ₹2,71,918 | ₹5,02,287 |
| Year 24 | ₹2,41,448 | ₹30,470 | ₹2,71,918 | ₹2,60,839 |
| Year 25 | ₹2,60,839 | ₹11,079 | ₹2,71,918 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh IDFC FIRST Bank home loan for 25 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹22,660 a month. If your offered rate is 8.75% it would be about ₹24,664.
How much total interest will I pay?
At 7.75% the total interest over 25 years is about ₹37,97,959, so you repay about ₹67,97,959 in all.