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Indian Bank ₹20 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.35%, the EMI is about ₹14,585 a month, with total interest of about ₹23,75,572.
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) | ₹14,585 | ₹23,75,572 | ₹43,75,572 |
| 7.85% | ₹15,238 | ₹25,71,436 | ₹45,71,436 |
| 8.35% | ₹15,903 | ₹27,70,864 | ₹47,70,864 |
| 8.85% | ₹16,579 | ₹29,73,691 | ₹49,73,691 |
| 9.35% | ₹17,266 | ₹31,79,755 | ₹51,79,755 |
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 | ₹28,986 | ₹1,46,036 | ₹1,75,023 | ₹19,71,014 |
| Year 2 | ₹31,190 | ₹1,43,833 | ₹1,75,023 | ₹19,39,823 |
| Year 3 | ₹33,562 | ₹1,41,461 | ₹1,75,023 | ₹19,06,262 |
| Year 4 | ₹36,113 | ₹1,38,910 | ₹1,75,023 | ₹18,70,149 |
| Year 5 | ₹38,859 | ₹1,36,164 | ₹1,75,023 | ₹18,31,290 |
| Year 6 | ₹41,813 | ₹1,33,210 | ₹1,75,023 | ₹17,89,477 |
| Year 7 | ₹44,992 | ₹1,30,031 | ₹1,75,023 | ₹17,44,485 |
| Year 8 | ₹48,413 | ₹1,26,610 | ₹1,75,023 | ₹16,96,073 |
| Year 9 | ₹52,093 | ₹1,22,930 | ₹1,75,023 | ₹16,43,979 |
| Year 10 | ₹56,054 | ₹1,18,969 | ₹1,75,023 | ₹15,87,926 |
| Year 11 | ₹60,315 | ₹1,14,708 | ₹1,75,023 | ₹15,27,610 |
| Year 12 | ₹64,901 | ₹1,10,122 | ₹1,75,023 | ₹14,62,709 |
| Year 13 | ₹69,835 | ₹1,05,188 | ₹1,75,023 | ₹13,92,874 |
| Year 14 | ₹75,145 | ₹99,878 | ₹1,75,023 | ₹13,17,730 |
| Year 15 | ₹80,858 | ₹94,165 | ₹1,75,023 | ₹12,36,872 |
| Year 16 | ₹87,005 | ₹88,018 | ₹1,75,023 | ₹11,49,867 |
| Year 17 | ₹93,620 | ₹81,403 | ₹1,75,023 | ₹10,56,247 |
| Year 18 | ₹1,00,737 | ₹74,285 | ₹1,75,023 | ₹9,55,510 |
| Year 19 | ₹1,08,396 | ₹66,627 | ₹1,75,023 | ₹8,47,114 |
| Year 20 | ₹1,16,637 | ₹58,386 | ₹1,75,023 | ₹7,30,477 |
| Year 21 | ₹1,25,505 | ₹49,518 | ₹1,75,023 | ₹6,04,972 |
| Year 22 | ₹1,35,047 | ₹39,976 | ₹1,75,023 | ₹4,69,925 |
| Year 23 | ₹1,45,314 | ₹29,709 | ₹1,75,023 | ₹3,24,611 |
| Year 24 | ₹1,56,362 | ₹18,661 | ₹1,75,023 | ₹1,68,249 |
| Year 25 | ₹1,68,249 | ₹6,773 | ₹1,75,023 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh Indian Bank home loan for 25 years?
At Indian Bank's starting rate of 7.35% the EMI is about ₹14,585 a month. If your offered rate is 8.35% it would be about ₹15,903.
How much total interest will I pay?
At 7.35% the total interest over 25 years is about ₹23,75,572, so you repay about ₹43,75,572 in all.