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IDFC FIRST Bank ₹50 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.75%, the EMI is about ₹37,766 a month, with total interest of about ₹63,29,931.
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) | ₹37,766 | ₹63,29,931 | ₹1,13,29,931 |
| 8.25% | ₹39,423 | ₹68,26,752 | ₹1,18,26,752 |
| 8.75% | ₹41,107 | ₹73,32,155 | ₹1,23,32,155 |
| 9.25% | ₹42,819 | ₹78,45,728 | ₹1,28,45,728 |
| 9.75% | ₹44,557 | ₹83,67,061 | ₹1,33,67,061 |
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 | ₹68,082 | ₹3,85,115 | ₹4,53,197 | ₹49,31,918 |
| Year 2 | ₹73,550 | ₹3,79,648 | ₹4,53,197 | ₹48,58,368 |
| Year 3 | ₹79,457 | ₹3,73,741 | ₹4,53,197 | ₹47,78,912 |
| Year 4 | ₹85,838 | ₹3,67,359 | ₹4,53,197 | ₹46,93,074 |
| Year 5 | ₹92,732 | ₹3,60,465 | ₹4,53,197 | ₹46,00,342 |
| Year 6 | ₹1,00,180 | ₹3,53,018 | ₹4,53,197 | ₹45,00,162 |
| Year 7 | ₹1,08,225 | ₹3,44,972 | ₹4,53,197 | ₹43,91,937 |
| Year 8 | ₹1,16,917 | ₹3,36,280 | ₹4,53,197 | ₹42,75,019 |
| Year 9 | ₹1,26,307 | ₹3,26,890 | ₹4,53,197 | ₹41,48,712 |
| Year 10 | ₹1,36,451 | ₹3,16,746 | ₹4,53,197 | ₹40,12,261 |
| Year 11 | ₹1,47,410 | ₹3,05,787 | ₹4,53,197 | ₹38,64,851 |
| Year 12 | ₹1,59,249 | ₹2,93,948 | ₹4,53,197 | ₹37,05,602 |
| Year 13 | ₹1,72,039 | ₹2,81,158 | ₹4,53,197 | ₹35,33,563 |
| Year 14 | ₹1,85,856 | ₹2,67,341 | ₹4,53,197 | ₹33,47,707 |
| Year 15 | ₹2,00,782 | ₹2,52,415 | ₹4,53,197 | ₹31,46,924 |
| Year 16 | ₹2,16,908 | ₹2,36,289 | ₹4,53,197 | ₹29,30,016 |
| Year 17 | ₹2,34,328 | ₹2,18,869 | ₹4,53,197 | ₹26,95,688 |
| Year 18 | ₹2,53,148 | ₹2,00,049 | ₹4,53,197 | ₹24,42,540 |
| Year 19 | ₹2,73,479 | ₹1,79,718 | ₹4,53,197 | ₹21,69,061 |
| Year 20 | ₹2,95,443 | ₹1,57,754 | ₹4,53,197 | ₹18,73,618 |
| Year 21 | ₹3,19,171 | ₹1,34,026 | ₹4,53,197 | ₹15,54,447 |
| Year 22 | ₹3,44,805 | ₹1,08,393 | ₹4,53,197 | ₹12,09,642 |
| Year 23 | ₹3,72,497 | ₹80,700 | ₹4,53,197 | ₹8,37,145 |
| Year 24 | ₹4,02,413 | ₹50,784 | ₹4,53,197 | ₹4,34,732 |
| Year 25 | ₹4,34,732 | ₹18,465 | ₹4,53,197 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh IDFC FIRST Bank home loan for 25 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹37,766 a month. If your offered rate is 8.75% it would be about ₹41,107.
How much total interest will I pay?
At 7.75% the total interest over 25 years is about ₹63,29,931, so you repay about ₹1,13,29,931 in all.