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IDFC FIRST Bank ₹75 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.75%, the EMI is about ₹56,650 a month, with total interest of about ₹94,94,897.
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) | ₹56,650 | ₹94,94,897 | ₹1,69,94,897 |
| 8.25% | ₹59,134 | ₹1,02,40,128 | ₹1,77,40,128 |
| 8.75% | ₹61,661 | ₹1,09,98,232 | ₹1,84,98,232 |
| 9.25% | ₹64,229 | ₹1,17,68,591 | ₹1,92,68,591 |
| 9.75% | ₹66,835 | ₹1,25,50,592 | ₹2,00,50,592 |
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 | ₹1,02,123 | ₹5,77,673 | ₹6,79,796 | ₹73,97,877 |
| Year 2 | ₹1,10,325 | ₹5,69,471 | ₹6,79,796 | ₹72,87,553 |
| Year 3 | ₹1,19,185 | ₹5,60,611 | ₹6,79,796 | ₹71,68,368 |
| Year 4 | ₹1,28,757 | ₹5,51,039 | ₹6,79,796 | ₹70,39,610 |
| Year 5 | ₹1,39,098 | ₹5,40,698 | ₹6,79,796 | ₹69,00,512 |
| Year 6 | ₹1,50,269 | ₹5,29,526 | ₹6,79,796 | ₹67,50,243 |
| Year 7 | ₹1,62,338 | ₹5,17,458 | ₹6,79,796 | ₹65,87,905 |
| Year 8 | ₹1,75,376 | ₹5,04,420 | ₹6,79,796 | ₹64,12,529 |
| Year 9 | ₹1,89,461 | ₹4,90,335 | ₹6,79,796 | ₹62,23,068 |
| Year 10 | ₹2,04,677 | ₹4,75,119 | ₹6,79,796 | ₹60,18,391 |
| Year 11 | ₹2,21,115 | ₹4,58,681 | ₹6,79,796 | ₹57,97,276 |
| Year 12 | ₹2,38,874 | ₹4,40,922 | ₹6,79,796 | ₹55,58,402 |
| Year 13 | ₹2,58,058 | ₹4,21,738 | ₹6,79,796 | ₹53,00,344 |
| Year 14 | ₹2,78,784 | ₹4,01,012 | ₹6,79,796 | ₹50,21,560 |
| Year 15 | ₹3,01,174 | ₹3,78,622 | ₹6,79,796 | ₹47,20,387 |
| Year 16 | ₹3,25,362 | ₹3,54,434 | ₹6,79,796 | ₹43,95,025 |
| Year 17 | ₹3,51,493 | ₹3,28,303 | ₹6,79,796 | ₹40,43,532 |
| Year 18 | ₹3,79,722 | ₹3,00,074 | ₹6,79,796 | ₹36,63,810 |
| Year 19 | ₹4,10,219 | ₹2,69,577 | ₹6,79,796 | ₹32,53,591 |
| Year 20 | ₹4,43,165 | ₹2,36,631 | ₹6,79,796 | ₹28,10,427 |
| Year 21 | ₹4,78,756 | ₹2,01,039 | ₹6,79,796 | ₹23,31,670 |
| Year 22 | ₹5,17,207 | ₹1,62,589 | ₹6,79,796 | ₹18,14,463 |
| Year 23 | ₹5,58,745 | ₹1,21,051 | ₹6,79,796 | ₹12,55,718 |
| Year 24 | ₹6,03,620 | ₹76,176 | ₹6,79,796 | ₹6,52,098 |
| Year 25 | ₹6,52,098 | ₹27,698 | ₹6,79,796 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh IDFC FIRST Bank home loan for 25 years?
At IDFC FIRST Bank's starting rate of 7.75% the EMI is about ₹56,650 a month. If your offered rate is 8.75% it would be about ₹61,661.
How much total interest will I pay?
At 7.75% the total interest over 25 years is about ₹94,94,897, so you repay about ₹1,69,94,897 in all.