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Bank of Maharashtra ₹1 crore Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.95%, the EMI is about ₹96,171 a month, with total interest of about ₹1,30,81,070.
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) | ₹96,171 | ₹1,30,81,070 | ₹2,30,81,070 |
| 10.45% | ₹99,502 | ₹1,38,80,564 | ₹2,38,80,564 |
| 10.95% | ₹1,02,879 | ₹1,46,90,907 | ₹2,46,90,907 |
| 11.45% | ₹1,06,299 | ₹1,55,11,677 | ₹2,55,11,677 |
| 11.95% | ₹1,09,760 | ₹1,63,42,455 | ₹2,63,42,455 |
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 | ₹1,66,511 | ₹9,87,542 | ₹11,54,054 | ₹98,33,489 |
| Year 2 | ₹1,83,856 | ₹9,70,198 | ₹11,54,054 | ₹96,49,633 |
| Year 3 | ₹2,03,007 | ₹9,51,046 | ₹11,54,054 | ₹94,46,625 |
| Year 4 | ₹2,24,154 | ₹9,29,900 | ₹11,54,054 | ₹92,22,472 |
| Year 5 | ₹2,47,503 | ₹9,06,551 | ₹11,54,054 | ₹89,74,969 |
| Year 6 | ₹2,73,284 | ₹8,80,769 | ₹11,54,054 | ₹87,01,685 |
| Year 7 | ₹3,01,751 | ₹8,52,303 | ₹11,54,054 | ₹83,99,934 |
| Year 8 | ₹3,33,183 | ₹8,20,871 | ₹11,54,054 | ₹80,66,751 |
| Year 9 | ₹3,67,889 | ₹7,86,165 | ₹11,54,054 | ₹76,98,862 |
| Year 10 | ₹4,06,210 | ₹7,47,843 | ₹11,54,054 | ₹72,92,652 |
| Year 11 | ₹4,48,523 | ₹7,05,530 | ₹11,54,054 | ₹68,44,128 |
| Year 12 | ₹4,95,244 | ₹6,58,810 | ₹11,54,054 | ₹63,48,884 |
| Year 13 | ₹5,46,831 | ₹6,07,222 | ₹11,54,054 | ₹58,02,053 |
| Year 14 | ₹6,03,792 | ₹5,50,261 | ₹11,54,054 | ₹51,98,261 |
| Year 15 | ₹6,66,686 | ₹4,87,367 | ₹11,54,054 | ₹45,31,575 |
| Year 16 | ₹7,36,132 | ₹4,17,922 | ₹11,54,054 | ₹37,95,443 |
| Year 17 | ₹8,12,811 | ₹3,41,242 | ₹11,54,054 | ₹29,82,631 |
| Year 18 | ₹8,97,478 | ₹2,56,575 | ₹11,54,054 | ₹20,85,153 |
| Year 19 | ₹9,90,964 | ₹1,63,089 | ₹11,54,054 | ₹10,94,189 |
| Year 20 | ₹10,94,189 | ₹59,865 | ₹11,54,054 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Bank of Maharashtra loan against property for 20 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹96,171 a month. If your offered rate is 10.95% it would be about ₹1,02,879.
How much total interest will I pay?
At 9.95% the total interest over 20 years is about ₹1,30,81,070, so you repay about ₹2,30,81,070 in all.