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Axis Bank ₹1 crore Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.15%, the EMI is about ₹1,27,489 a month, with total interest of about ₹52,98,679.
Source: Axis Bank official page, checked 2 November 2026.
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 |
|---|---|---|---|
| 9.15% (starting) | ₹1,27,489 | ₹52,98,679 | ₹1,52,98,679 |
| 9.65% | ₹1,30,220 | ₹56,26,427 | ₹1,56,26,427 |
| 10.15% | ₹1,32,983 | ₹59,57,932 | ₹1,59,57,932 |
| 10.65% | ₹1,35,776 | ₹62,93,154 | ₹1,62,93,154 |
| 11.15% | ₹1,38,600 | ₹66,32,056 | ₹1,66,32,056 |
Year-by-year repayment schedule at 9.15%
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 | ₹6,41,321 | ₹8,88,547 | ₹15,29,868 | ₹93,58,679 |
| Year 2 | ₹7,02,526 | ₹8,27,342 | ₹15,29,868 | ₹86,56,153 |
| Year 3 | ₹7,69,573 | ₹7,60,295 | ₹15,29,868 | ₹78,86,580 |
| Year 4 | ₹8,43,018 | ₹6,86,850 | ₹15,29,868 | ₹70,43,562 |
| Year 5 | ₹9,23,473 | ₹6,06,395 | ₹15,29,868 | ₹61,20,089 |
| Year 6 | ₹10,11,606 | ₹5,18,262 | ₹15,29,868 | ₹51,08,484 |
| Year 7 | ₹11,08,150 | ₹4,21,718 | ₹15,29,868 | ₹40,00,334 |
| Year 8 | ₹12,13,908 | ₹3,15,960 | ₹15,29,868 | ₹27,86,426 |
| Year 9 | ₹13,29,759 | ₹2,00,109 | ₹15,29,868 | ₹14,56,667 |
| Year 10 | ₹14,56,667 | ₹73,201 | ₹15,29,868 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Axis Bank loan against property for 10 years?
At Axis Bank's starting rate of 9.15% the EMI is about ₹1,27,489 a month. If your offered rate is 10.15% it would be about ₹1,32,983.
How much total interest will I pay?
At 9.15% the total interest over 10 years is about ₹52,98,679, so you repay about ₹1,52,98,679 in all.