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Bank of Maharashtra ₹25 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.95%, the EMI is about ₹26,789 a month, with total interest of about ₹23,21,967.
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) | ₹26,789 | ₹23,21,967 | ₹48,21,967 |
| 10.45% | ₹27,558 | ₹24,60,355 | ₹49,60,355 |
| 10.95% | ₹28,336 | ₹26,00,566 | ₹51,00,566 |
| 11.45% | ₹29,125 | ₹27,42,559 | ₹52,42,559 |
| 11.95% | ₹29,924 | ₹28,86,289 | ₹53,86,289 |
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 | ₹76,124 | ₹2,45,341 | ₹3,21,464 | ₹24,23,876 |
| Year 2 | ₹84,053 | ₹2,37,411 | ₹3,21,464 | ₹23,39,823 |
| Year 3 | ₹92,809 | ₹2,28,656 | ₹3,21,464 | ₹22,47,014 |
| Year 4 | ₹1,02,476 | ₹2,18,988 | ₹3,21,464 | ₹21,44,537 |
| Year 5 | ₹1,13,151 | ₹2,08,314 | ₹3,21,464 | ₹20,31,386 |
| Year 6 | ₹1,24,937 | ₹1,96,527 | ₹3,21,464 | ₹19,06,449 |
| Year 7 | ₹1,37,951 | ₹1,83,513 | ₹3,21,464 | ₹17,68,498 |
| Year 8 | ₹1,52,321 | ₹1,69,143 | ₹3,21,464 | ₹16,16,176 |
| Year 9 | ₹1,68,188 | ₹1,53,277 | ₹3,21,464 | ₹14,47,989 |
| Year 10 | ₹1,85,707 | ₹1,35,757 | ₹3,21,464 | ₹12,62,282 |
| Year 11 | ₹2,05,051 | ₹1,16,413 | ₹3,21,464 | ₹10,57,230 |
| Year 12 | ₹2,26,411 | ₹95,054 | ₹3,21,464 | ₹8,30,819 |
| Year 13 | ₹2,49,995 | ₹71,470 | ₹3,21,464 | ₹5,80,825 |
| Year 14 | ₹2,76,036 | ₹45,429 | ₹3,21,464 | ₹3,04,789 |
| Year 15 | ₹3,04,789 | ₹16,675 | ₹3,21,464 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Bank of Maharashtra loan against property for 15 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹26,789 a month. If your offered rate is 10.95% it would be about ₹28,336.
How much total interest will I pay?
At 9.95% the total interest over 15 years is about ₹23,21,967, so you repay about ₹48,21,967 in all.