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Axis Bank ₹1 crore Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.15%, the EMI is about ₹90,940 a month, with total interest of about ₹1,18,25,493.
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) | ₹90,940 | ₹1,18,25,493 | ₹2,18,25,493 |
| 9.65% | ₹94,195 | ₹1,26,06,756 | ₹2,26,06,756 |
| 10.15% | ₹97,498 | ₹1,33,99,539 | ₹2,33,99,539 |
| 10.65% | ₹1,00,848 | ₹1,42,03,423 | ₹2,42,03,423 |
| 11.15% | ₹1,04,242 | ₹1,50,17,987 | ₹2,50,17,987 |
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 | ₹1,83,858 | ₹9,07,416 | ₹10,91,275 | ₹98,16,142 |
| Year 2 | ₹2,01,405 | ₹8,89,870 | ₹10,91,275 | ₹96,14,737 |
| Year 3 | ₹2,20,627 | ₹8,70,648 | ₹10,91,275 | ₹93,94,110 |
| Year 4 | ₹2,41,682 | ₹8,49,592 | ₹10,91,275 | ₹91,52,428 |
| Year 5 | ₹2,64,748 | ₹8,26,527 | ₹10,91,275 | ₹88,87,680 |
| Year 6 | ₹2,90,014 | ₹8,01,260 | ₹10,91,275 | ₹85,97,666 |
| Year 7 | ₹3,17,692 | ₹7,73,582 | ₹10,91,275 | ₹82,79,974 |
| Year 8 | ₹3,48,012 | ₹7,43,263 | ₹10,91,275 | ₹79,31,962 |
| Year 9 | ₹3,81,225 | ₹7,10,050 | ₹10,91,275 | ₹75,50,737 |
| Year 10 | ₹4,17,607 | ₹6,73,667 | ₹10,91,275 | ₹71,33,130 |
| Year 11 | ₹4,57,462 | ₹6,33,812 | ₹10,91,275 | ₹66,75,667 |
| Year 12 | ₹5,01,121 | ₹5,90,154 | ₹10,91,275 | ₹61,74,546 |
| Year 13 | ₹5,48,946 | ₹5,42,328 | ₹10,91,275 | ₹56,25,600 |
| Year 14 | ₹6,01,336 | ₹4,89,939 | ₹10,91,275 | ₹50,24,264 |
| Year 15 | ₹6,58,725 | ₹4,32,550 | ₹10,91,275 | ₹43,65,539 |
| Year 16 | ₹7,21,592 | ₹3,69,683 | ₹10,91,275 | ₹36,43,948 |
| Year 17 | ₹7,90,458 | ₹3,00,817 | ₹10,91,275 | ₹28,53,490 |
| Year 18 | ₹8,65,896 | ₹2,25,378 | ₹10,91,275 | ₹19,87,594 |
| Year 19 | ₹9,48,534 | ₹1,42,740 | ₹10,91,275 | ₹10,39,059 |
| Year 20 | ₹10,39,059 | ₹52,215 | ₹10,91,275 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Axis Bank loan against property for 20 years?
At Axis Bank's starting rate of 9.15% the EMI is about ₹90,940 a month. If your offered rate is 10.15% it would be about ₹97,498.
How much total interest will I pay?
At 9.15% the total interest over 20 years is about ₹1,18,25,493, so you repay about ₹2,18,25,493 in all.