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Bank of Maharashtra ₹25 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.95%, the EMI is about ₹32,969 a month, with total interest of about ₹14,56,220.
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) | ₹32,969 | ₹14,56,220 | ₹39,56,220 |
| 10.45% | ₹33,664 | ₹15,39,655 | ₹40,39,655 |
| 10.95% | ₹34,367 | ₹16,24,014 | ₹41,24,014 |
| 11.45% | ₹35,077 | ₹17,09,286 | ₹42,09,286 |
| 11.95% | ₹35,796 | ₹17,95,462 | ₹42,95,462 |
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 | ₹1,53,759 | ₹2,41,863 | ₹3,95,622 | ₹23,46,241 |
| Year 2 | ₹1,69,775 | ₹2,25,847 | ₹3,95,622 | ₹21,76,466 |
| Year 3 | ₹1,87,460 | ₹2,08,162 | ₹3,95,622 | ₹19,89,007 |
| Year 4 | ₹2,06,986 | ₹1,88,636 | ₹3,95,622 | ₹17,82,020 |
| Year 5 | ₹2,28,547 | ₹1,67,075 | ₹3,95,622 | ₹15,53,473 |
| Year 6 | ₹2,52,354 | ₹1,43,268 | ₹3,95,622 | ₹13,01,119 |
| Year 7 | ₹2,78,641 | ₹1,16,981 | ₹3,95,622 | ₹10,22,478 |
| Year 8 | ₹3,07,665 | ₹87,957 | ₹3,95,622 | ₹7,14,813 |
| Year 9 | ₹3,39,713 | ₹55,909 | ₹3,95,622 | ₹3,75,100 |
| Year 10 | ₹3,75,100 | ₹20,522 | ₹3,95,622 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Bank of Maharashtra loan against property for 10 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹32,969 a month. If your offered rate is 10.95% it would be about ₹34,367.
How much total interest will I pay?
At 9.95% the total interest over 10 years is about ₹14,56,220, so you repay about ₹39,56,220 in all.