Home › Loan Against Property › Bank of Maharashtra › ₹1 crore for 15 years
Bank of Maharashtra ₹1 crore Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.95%, the EMI is about ₹1,07,155 a month, with total interest of about ₹92,87,870.
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) | ₹1,07,155 | ₹92,87,870 | ₹1,92,87,870 |
| 10.45% | ₹1,10,230 | ₹98,41,422 | ₹1,98,41,422 |
| 10.95% | ₹1,13,346 | ₹1,04,02,266 | ₹2,04,02,266 |
| 11.45% | ₹1,16,501 | ₹1,09,70,234 | ₹2,09,70,234 |
| 11.95% | ₹1,19,695 | ₹1,15,45,157 | ₹2,15,45,157 |
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 | ₹3,04,496 | ₹9,81,362 | ₹12,85,858 | ₹96,95,504 |
| Year 2 | ₹3,36,214 | ₹9,49,644 | ₹12,85,858 | ₹93,59,290 |
| Year 3 | ₹3,71,236 | ₹9,14,622 | ₹12,85,858 | ₹89,88,055 |
| Year 4 | ₹4,09,906 | ₹8,75,952 | ₹12,85,858 | ₹85,78,149 |
| Year 5 | ₹4,52,604 | ₹8,33,254 | ₹12,85,858 | ₹81,25,546 |
| Year 6 | ₹4,99,749 | ₹7,86,109 | ₹12,85,858 | ₹76,25,796 |
| Year 7 | ₹5,51,806 | ₹7,34,052 | ₹12,85,858 | ₹70,73,991 |
| Year 8 | ₹6,09,285 | ₹6,76,573 | ₹12,85,858 | ₹64,64,706 |
| Year 9 | ₹6,72,751 | ₹6,13,107 | ₹12,85,858 | ₹57,91,955 |
| Year 10 | ₹7,42,829 | ₹5,43,029 | ₹12,85,858 | ₹50,49,126 |
| Year 11 | ₹8,20,206 | ₹4,65,652 | ₹12,85,858 | ₹42,28,921 |
| Year 12 | ₹9,05,643 | ₹3,80,215 | ₹12,85,858 | ₹33,23,278 |
| Year 13 | ₹9,99,979 | ₹2,85,879 | ₹12,85,858 | ₹23,23,299 |
| Year 14 | ₹11,04,143 | ₹1,81,715 | ₹12,85,858 | ₹12,19,156 |
| Year 15 | ₹12,19,156 | ₹66,702 | ₹12,85,858 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Bank of Maharashtra loan against property for 15 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹1,07,155 a month. If your offered rate is 10.95% it would be about ₹1,13,346.
How much total interest will I pay?
At 9.95% the total interest over 15 years is about ₹92,87,870, so you repay about ₹1,92,87,870 in all.