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Axis Bank ₹25 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.15%, the EMI is about ₹25,580 a month, with total interest of about ₹21,04,441.
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) | ₹25,580 | ₹21,04,441 | ₹46,04,441 |
| 9.65% | ₹26,332 | ₹22,39,827 | ₹47,39,827 |
| 10.15% | ₹27,095 | ₹23,77,101 | ₹48,77,101 |
| 10.65% | ₹27,868 | ₹25,16,223 | ₹50,16,223 |
| 11.15% | ₹28,651 | ₹26,57,152 | ₹51,57,152 |
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 | ₹81,578 | ₹2,25,385 | ₹3,06,963 | ₹24,18,422 |
| Year 2 | ₹89,363 | ₹2,17,600 | ₹3,06,963 | ₹23,29,059 |
| Year 3 | ₹97,892 | ₹2,09,071 | ₹3,06,963 | ₹22,31,168 |
| Year 4 | ₹1,07,234 | ₹1,99,729 | ₹3,06,963 | ₹21,23,934 |
| Year 5 | ₹1,17,468 | ₹1,89,495 | ₹3,06,963 | ₹20,06,466 |
| Year 6 | ₹1,28,679 | ₹1,78,284 | ₹3,06,963 | ₹18,77,787 |
| Year 7 | ₹1,40,959 | ₹1,66,003 | ₹3,06,963 | ₹17,36,827 |
| Year 8 | ₹1,54,412 | ₹1,52,551 | ₹3,06,963 | ₹15,82,415 |
| Year 9 | ₹1,69,149 | ₹1,37,814 | ₹3,06,963 | ₹14,13,267 |
| Year 10 | ₹1,85,292 | ₹1,21,671 | ₹3,06,963 | ₹12,27,975 |
| Year 11 | ₹2,02,975 | ₹1,03,988 | ₹3,06,963 | ₹10,25,000 |
| Year 12 | ₹2,22,346 | ₹84,616 | ₹3,06,963 | ₹8,02,653 |
| Year 13 | ₹2,43,566 | ₹63,396 | ₹3,06,963 | ₹5,59,087 |
| Year 14 | ₹2,66,812 | ₹40,151 | ₹3,06,963 | ₹2,92,275 |
| Year 15 | ₹2,92,275 | ₹14,688 | ₹3,06,963 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Axis Bank loan against property for 15 years?
At Axis Bank's starting rate of 9.15% the EMI is about ₹25,580 a month. If your offered rate is 10.15% it would be about ₹27,095.
How much total interest will I pay?
At 9.15% the total interest over 15 years is about ₹21,04,441, so you repay about ₹46,04,441 in all.