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IDFC FIRST Bank ₹50 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.75%, the EMI is about ₹41,047 a month, with total interest of about ₹48,51,383.
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) | ₹41,047 | ₹48,51,383 | ₹98,51,383 |
| 8.25% | ₹42,603 | ₹52,24,788 | ₹1,02,24,788 |
| 8.75% | ₹44,186 | ₹56,04,529 | ₹1,06,04,529 |
| 9.25% | ₹45,793 | ₹59,90,402 | ₹1,09,90,402 |
| 9.75% | ₹47,426 | ₹63,82,202 | ₹1,13,82,202 |
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 | ₹1,08,883 | ₹3,83,686 | ₹4,92,569 | ₹48,91,117 |
| Year 2 | ₹1,17,628 | ₹3,74,942 | ₹4,92,569 | ₹47,73,490 |
| Year 3 | ₹1,27,075 | ₹3,65,495 | ₹4,92,569 | ₹46,46,415 |
| Year 4 | ₹1,37,280 | ₹3,55,289 | ₹4,92,569 | ₹45,09,135 |
| Year 5 | ₹1,48,306 | ₹3,44,263 | ₹4,92,569 | ₹43,60,829 |
| Year 6 | ₹1,60,217 | ₹3,32,353 | ₹4,92,569 | ₹42,00,613 |
| Year 7 | ₹1,73,084 | ₹3,19,485 | ₹4,92,569 | ₹40,27,529 |
| Year 8 | ₹1,86,985 | ₹3,05,584 | ₹4,92,569 | ₹38,40,544 |
| Year 9 | ₹2,02,002 | ₹2,90,567 | ₹4,92,569 | ₹36,38,542 |
| Year 10 | ₹2,18,226 | ₹2,74,344 | ₹4,92,569 | ₹34,20,316 |
| Year 11 | ₹2,35,752 | ₹2,56,817 | ₹4,92,569 | ₹31,84,564 |
| Year 12 | ₹2,54,686 | ₹2,37,883 | ₹4,92,569 | ₹29,29,878 |
| Year 13 | ₹2,75,140 | ₹2,17,429 | ₹4,92,569 | ₹26,54,738 |
| Year 14 | ₹2,97,238 | ₹1,95,331 | ₹4,92,569 | ₹23,57,500 |
| Year 15 | ₹3,21,110 | ₹1,71,459 | ₹4,92,569 | ₹20,36,390 |
| Year 16 | ₹3,46,899 | ₹1,45,670 | ₹4,92,569 | ₹16,89,491 |
| Year 17 | ₹3,74,760 | ₹1,17,809 | ₹4,92,569 | ₹13,14,731 |
| Year 18 | ₹4,04,858 | ₹87,711 | ₹4,92,569 | ₹9,09,873 |
| Year 19 | ₹4,37,373 | ₹55,196 | ₹4,92,569 | ₹4,72,500 |
| Year 20 | ₹4,72,500 | ₹20,069 | ₹4,92,569 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh IDFC FIRST Bank home loan for 20 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹41,047 a month. If your offered rate is 8.75% it would be about ₹44,186.
How much total interest will I pay?
At 7.75% the total interest over 20 years is about ₹48,51,383, so you repay about ₹98,51,383 in all.