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Indian Bank ₹50 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 7.35%, the EMI is about ₹45,925 a month, with total interest of about ₹32,66,580.
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) | ₹45,925 | ₹32,66,580 | ₹82,66,580 |
| 7.85% | ₹47,351 | ₹35,23,115 | ₹85,23,115 |
| 8.35% | ₹48,798 | ₹37,83,701 | ₹87,83,701 |
| 8.85% | ₹50,268 | ₹40,48,265 | ₹90,48,265 |
| 9.35% | ₹51,760 | ₹43,16,733 | ₹93,16,733 |
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 | ₹1,89,919 | ₹3,61,187 | ₹5,51,105 | ₹48,10,081 |
| Year 2 | ₹2,04,358 | ₹3,46,748 | ₹5,51,105 | ₹46,05,724 |
| Year 3 | ₹2,19,894 | ₹3,31,211 | ₹5,51,105 | ₹43,85,829 |
| Year 4 | ₹2,36,612 | ₹3,14,493 | ₹5,51,105 | ₹41,49,217 |
| Year 5 | ₹2,54,601 | ₹2,96,504 | ₹5,51,105 | ₹38,94,616 |
| Year 6 | ₹2,73,958 | ₹2,77,147 | ₹5,51,105 | ₹36,20,658 |
| Year 7 | ₹2,94,786 | ₹2,56,319 | ₹5,51,105 | ₹33,25,872 |
| Year 8 | ₹3,17,198 | ₹2,33,907 | ₹5,51,105 | ₹30,08,673 |
| Year 9 | ₹3,41,314 | ₹2,09,792 | ₹5,51,105 | ₹26,67,360 |
| Year 10 | ₹3,67,263 | ₹1,83,842 | ₹5,51,105 | ₹23,00,097 |
| Year 11 | ₹3,95,185 | ₹1,55,920 | ₹5,51,105 | ₹19,04,912 |
| Year 12 | ₹4,25,230 | ₹1,25,876 | ₹5,51,105 | ₹14,79,682 |
| Year 13 | ₹4,57,559 | ₹93,547 | ₹5,51,105 | ₹10,22,123 |
| Year 14 | ₹4,92,346 | ₹58,760 | ₹5,51,105 | ₹5,29,777 |
| Year 15 | ₹5,29,777 | ₹21,328 | ₹5,51,105 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Indian Bank home loan for 15 years?
At Indian Bank's starting rate of 7.35% the EMI is about ₹45,925 a month. If your offered rate is 8.35% it would be about ₹48,798.
How much total interest will I pay?
At 7.35% the total interest over 15 years is about ₹32,66,580, so you repay about ₹82,66,580 in all.