Home › Home Loan › Indian Bank › ₹1 crore for 15 years
Indian Bank ₹1 crore Home Loan EMI for 15 Years
At the advertised starting rate of 7.35%, the EMI is about ₹91,851 a month, with total interest of about ₹65,33,161.
Source: Indian 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 |
|---|---|---|---|
| 7.35% (starting) | ₹91,851 | ₹65,33,161 | ₹1,65,33,161 |
| 7.85% | ₹94,701 | ₹70,46,230 | ₹1,70,46,230 |
| 8.35% | ₹97,597 | ₹75,67,402 | ₹1,75,67,402 |
| 8.85% | ₹1,00,536 | ₹80,96,531 | ₹1,80,96,531 |
| 9.35% | ₹1,03,519 | ₹86,33,465 | ₹1,86,33,465 |
Year-by-year repayment schedule at 7.35%
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 | ₹3,79,837 | ₹7,22,374 | ₹11,02,211 | ₹96,20,163 |
| Year 2 | ₹4,08,715 | ₹6,93,496 | ₹11,02,211 | ₹92,11,448 |
| Year 3 | ₹4,39,789 | ₹6,62,422 | ₹11,02,211 | ₹87,71,659 |
| Year 4 | ₹4,73,225 | ₹6,28,986 | ₹11,02,211 | ₹82,98,434 |
| Year 5 | ₹5,09,203 | ₹5,93,008 | ₹11,02,211 | ₹77,89,232 |
| Year 6 | ₹5,47,916 | ₹5,54,295 | ₹11,02,211 | ₹72,41,316 |
| Year 7 | ₹5,89,573 | ₹5,12,638 | ₹11,02,211 | ₹66,51,743 |
| Year 8 | ₹6,34,396 | ₹4,67,815 | ₹11,02,211 | ₹60,17,347 |
| Year 9 | ₹6,82,628 | ₹4,19,583 | ₹11,02,211 | ₹53,34,719 |
| Year 10 | ₹7,34,526 | ₹3,67,685 | ₹11,02,211 | ₹46,00,194 |
| Year 11 | ₹7,90,370 | ₹3,11,841 | ₹11,02,211 | ₹38,09,824 |
| Year 12 | ₹8,50,460 | ₹2,51,751 | ₹11,02,211 | ₹29,59,364 |
| Year 13 | ₹9,15,118 | ₹1,87,093 | ₹11,02,211 | ₹20,44,247 |
| Year 14 | ₹9,84,692 | ₹1,17,519 | ₹11,02,211 | ₹10,59,555 |
| Year 15 | ₹10,59,555 | ₹42,656 | ₹11,02,211 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Indian Bank home loan for 15 years?
At Indian Bank's starting rate of 7.35% the EMI is about ₹91,851 a month. If your offered rate is 8.35% it would be about ₹97,597.
How much total interest will I pay?
At 7.35% the total interest over 15 years is about ₹65,33,161, so you repay about ₹1,65,33,161 in all.