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Indian Bank ₹1 crore Home Loan EMI for 20 Years
At the advertised starting rate of 7.35%, the EMI is about ₹79,645 a month, with total interest of about ₹91,14,708.
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) | ₹79,645 | ₹91,14,708 | ₹1,91,14,708 |
| 7.85% | ₹82,713 | ₹98,51,095 | ₹1,98,51,095 |
| 8.35% | ₹85,835 | ₹1,06,00,471 | ₹2,06,00,471 |
| 8.85% | ₹89,010 | ₹1,13,62,438 | ₹2,13,62,438 |
| 9.35% | ₹92,236 | ₹1,21,36,589 | ₹2,21,36,589 |
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 | ₹2,28,325 | ₹7,27,410 | ₹9,55,735 | ₹97,71,675 |
| Year 2 | ₹2,45,684 | ₹7,10,051 | ₹9,55,735 | ₹95,25,990 |
| Year 3 | ₹2,64,363 | ₹6,91,372 | ₹9,55,735 | ₹92,61,627 |
| Year 4 | ₹2,84,462 | ₹6,71,274 | ₹9,55,735 | ₹89,77,166 |
| Year 5 | ₹3,06,089 | ₹6,49,647 | ₹9,55,735 | ₹86,71,077 |
| Year 6 | ₹3,29,360 | ₹6,26,376 | ₹9,55,735 | ₹83,41,717 |
| Year 7 | ₹3,54,400 | ₹6,01,335 | ₹9,55,735 | ₹79,87,317 |
| Year 8 | ₹3,81,344 | ₹5,74,391 | ₹9,55,735 | ₹76,05,973 |
| Year 9 | ₹4,10,337 | ₹5,45,399 | ₹9,55,735 | ₹71,95,636 |
| Year 10 | ₹4,41,534 | ₹5,14,202 | ₹9,55,735 | ₹67,54,103 |
| Year 11 | ₹4,75,102 | ₹4,80,633 | ₹9,55,735 | ₹62,79,000 |
| Year 12 | ₹5,11,223 | ₹4,44,513 | ₹9,55,735 | ₹57,67,778 |
| Year 13 | ₹5,50,090 | ₹4,05,646 | ₹9,55,735 | ₹52,17,688 |
| Year 14 | ₹5,91,912 | ₹3,63,824 | ₹9,55,735 | ₹46,25,776 |
| Year 15 | ₹6,36,913 | ₹3,18,822 | ₹9,55,735 | ₹39,88,863 |
| Year 16 | ₹6,85,336 | ₹2,70,400 | ₹9,55,735 | ₹33,03,527 |
| Year 17 | ₹7,37,440 | ₹2,18,295 | ₹9,55,735 | ₹25,66,087 |
| Year 18 | ₹7,93,506 | ₹1,62,230 | ₹9,55,735 | ₹17,72,582 |
| Year 19 | ₹8,53,834 | ₹1,01,902 | ₹9,55,735 | ₹9,18,748 |
| Year 20 | ₹9,18,748 | ₹36,987 | ₹9,55,735 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Indian Bank home loan for 20 years?
At Indian Bank's starting rate of 7.35% the EMI is about ₹79,645 a month. If your offered rate is 8.35% it would be about ₹85,835.
How much total interest will I pay?
At 7.35% the total interest over 20 years is about ₹91,14,708, so you repay about ₹1,91,14,708 in all.