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Indian Bank ₹1 crore Home Loan EMI for 25 Years
At the advertised starting rate of 7.35%, the EMI is about ₹72,926 a month, with total interest of about ₹1,18,77,859.
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) | ₹72,926 | ₹1,18,77,859 | ₹2,18,77,859 |
| 7.85% | ₹76,191 | ₹1,28,57,179 | ₹2,28,57,179 |
| 8.35% | ₹79,514 | ₹1,38,54,318 | ₹2,38,54,318 |
| 8.85% | ₹82,895 | ₹1,48,68,457 | ₹2,48,68,457 |
| 9.35% | ₹86,329 | ₹1,58,98,773 | ₹2,58,98,773 |
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 | ₹1,44,932 | ₹7,30,182 | ₹8,75,114 | ₹98,55,068 |
| Year 2 | ₹1,55,951 | ₹7,19,163 | ₹8,75,114 | ₹96,99,117 |
| Year 3 | ₹1,67,808 | ₹7,07,307 | ₹8,75,114 | ₹95,31,309 |
| Year 4 | ₹1,80,565 | ₹6,94,549 | ₹8,75,114 | ₹93,50,744 |
| Year 5 | ₹1,94,293 | ₹6,80,821 | ₹8,75,114 | ₹91,56,450 |
| Year 6 | ₹2,09,065 | ₹6,66,049 | ₹8,75,114 | ₹89,47,385 |
| Year 7 | ₹2,24,960 | ₹6,50,155 | ₹8,75,114 | ₹87,22,426 |
| Year 8 | ₹2,42,063 | ₹6,33,052 | ₹8,75,114 | ₹84,80,363 |
| Year 9 | ₹2,60,466 | ₹6,14,648 | ₹8,75,114 | ₹82,19,897 |
| Year 10 | ₹2,80,269 | ₹5,94,846 | ₹8,75,114 | ₹79,39,629 |
| Year 11 | ₹3,01,577 | ₹5,73,538 | ₹8,75,114 | ₹76,38,052 |
| Year 12 | ₹3,24,505 | ₹5,50,610 | ₹8,75,114 | ₹73,13,547 |
| Year 13 | ₹3,49,176 | ₹5,25,938 | ₹8,75,114 | ₹69,64,371 |
| Year 14 | ₹3,75,723 | ₹4,99,392 | ₹8,75,114 | ₹65,88,648 |
| Year 15 | ₹4,04,288 | ₹4,70,826 | ₹8,75,114 | ₹61,84,360 |
| Year 16 | ₹4,35,025 | ₹4,40,089 | ₹8,75,114 | ₹57,49,336 |
| Year 17 | ₹4,68,099 | ₹4,07,016 | ₹8,75,114 | ₹52,81,237 |
| Year 18 | ₹5,03,687 | ₹3,71,427 | ₹8,75,114 | ₹47,77,550 |
| Year 19 | ₹5,41,981 | ₹3,33,133 | ₹8,75,114 | ₹42,35,569 |
| Year 20 | ₹5,83,186 | ₹2,91,928 | ₹8,75,114 | ₹36,52,383 |
| Year 21 | ₹6,27,524 | ₹2,47,590 | ₹8,75,114 | ₹30,24,859 |
| Year 22 | ₹6,75,233 | ₹1,99,881 | ₹8,75,114 | ₹23,49,625 |
| Year 23 | ₹7,26,569 | ₹1,48,545 | ₹8,75,114 | ₹16,23,056 |
| Year 24 | ₹7,81,809 | ₹93,306 | ₹8,75,114 | ₹8,41,247 |
| Year 25 | ₹8,41,247 | ₹33,867 | ₹8,75,114 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Indian Bank home loan for 25 years?
At Indian Bank's starting rate of 7.35% the EMI is about ₹72,926 a month. If your offered rate is 8.35% it would be about ₹79,514.
How much total interest will I pay?
At 7.35% the total interest over 25 years is about ₹1,18,77,859, so you repay about ₹2,18,77,859 in all.