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IDFC FIRST Bank ₹75 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.75%, the EMI is about ₹61,571 a month, with total interest of about ₹72,77,074.
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) | ₹61,571 | ₹72,77,074 | ₹1,47,77,074 |
| 8.25% | ₹63,905 | ₹78,37,182 | ₹1,53,37,182 |
| 8.75% | ₹66,278 | ₹84,06,793 | ₹1,59,06,793 |
| 9.25% | ₹68,690 | ₹89,85,603 | ₹1,64,85,603 |
| 9.75% | ₹71,139 | ₹95,73,303 | ₹1,70,73,303 |
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 | ₹1,63,324 | ₹5,75,529 | ₹7,38,854 | ₹73,36,676 |
| Year 2 | ₹1,76,441 | ₹5,62,412 | ₹7,38,854 | ₹71,60,235 |
| Year 3 | ₹1,90,612 | ₹5,48,242 | ₹7,38,854 | ₹69,69,623 |
| Year 4 | ₹2,05,920 | ₹5,32,933 | ₹7,38,854 | ₹67,63,702 |
| Year 5 | ₹2,22,458 | ₹5,16,395 | ₹7,38,854 | ₹65,41,244 |
| Year 6 | ₹2,40,325 | ₹4,98,529 | ₹7,38,854 | ₹63,00,919 |
| Year 7 | ₹2,59,626 | ₹4,79,228 | ₹7,38,854 | ₹60,41,293 |
| Year 8 | ₹2,80,477 | ₹4,58,376 | ₹7,38,854 | ₹57,60,816 |
| Year 9 | ₹3,03,003 | ₹4,35,850 | ₹7,38,854 | ₹54,57,812 |
| Year 10 | ₹3,27,338 | ₹4,11,515 | ₹7,38,854 | ₹51,30,474 |
| Year 11 | ₹3,53,628 | ₹3,85,226 | ₹7,38,854 | ₹47,76,846 |
| Year 12 | ₹3,82,029 | ₹3,56,825 | ₹7,38,854 | ₹43,94,817 |
| Year 13 | ₹4,12,711 | ₹3,26,143 | ₹7,38,854 | ₹39,82,106 |
| Year 14 | ₹4,45,857 | ₹2,92,997 | ₹7,38,854 | ₹35,36,250 |
| Year 15 | ₹4,81,665 | ₹2,57,189 | ₹7,38,854 | ₹30,54,585 |
| Year 16 | ₹5,20,349 | ₹2,18,505 | ₹7,38,854 | ₹25,34,236 |
| Year 17 | ₹5,62,140 | ₹1,76,714 | ₹7,38,854 | ₹19,72,096 |
| Year 18 | ₹6,07,287 | ₹1,31,567 | ₹7,38,854 | ₹13,64,810 |
| Year 19 | ₹6,56,060 | ₹82,794 | ₹7,38,854 | ₹7,08,750 |
| Year 20 | ₹7,08,750 | ₹30,104 | ₹7,38,854 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh IDFC FIRST Bank home loan for 20 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹61,571 a month. If your offered rate is 8.75% it would be about ₹66,278.
How much total interest will I pay?
At 7.75% the total interest over 20 years is about ₹72,77,074, so you repay about ₹1,47,77,074 in all.