Home › Loan Against Property › Bank of Maharashtra › ₹1 crore for 10 years
Bank of Maharashtra ₹1 crore Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.95%, the EMI is about ₹1,31,874 a month, with total interest of about ₹58,24,882.
Source: Bank of Maharashtra 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 |
|---|---|---|---|
| 9.95% (starting) | ₹1,31,874 | ₹58,24,882 | ₹1,58,24,882 |
| 10.45% | ₹1,34,655 | ₹61,58,622 | ₹1,61,58,622 |
| 10.95% | ₹1,37,467 | ₹64,96,056 | ₹1,64,96,056 |
| 11.45% | ₹1,40,310 | ₹68,37,145 | ₹1,68,37,145 |
| 11.95% | ₹1,43,182 | ₹71,81,847 | ₹1,71,81,847 |
Year-by-year repayment schedule at 9.95%
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 | ₹6,15,035 | ₹9,67,454 | ₹15,82,488 | ₹93,84,965 |
| Year 2 | ₹6,79,100 | ₹9,03,388 | ₹15,82,488 | ₹87,05,866 |
| Year 3 | ₹7,49,839 | ₹8,32,650 | ₹15,82,488 | ₹79,56,027 |
| Year 4 | ₹8,27,946 | ₹7,54,542 | ₹15,82,488 | ₹71,28,081 |
| Year 5 | ₹9,14,189 | ₹6,68,299 | ₹15,82,488 | ₹62,13,892 |
| Year 6 | ₹10,09,416 | ₹5,73,072 | ₹15,82,488 | ₹52,04,476 |
| Year 7 | ₹11,14,562 | ₹4,67,926 | ₹15,82,488 | ₹40,89,913 |
| Year 8 | ₹12,30,661 | ₹3,51,827 | ₹15,82,488 | ₹28,59,252 |
| Year 9 | ₹13,58,853 | ₹2,23,635 | ₹15,82,488 | ₹15,00,399 |
| Year 10 | ₹15,00,399 | ₹82,089 | ₹15,82,488 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Bank of Maharashtra loan against property for 10 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹1,31,874 a month. If your offered rate is 10.95% it would be about ₹1,37,467.
How much total interest will I pay?
At 9.95% the total interest over 10 years is about ₹58,24,882, so you repay about ₹1,58,24,882 in all.