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Bank of Maharashtra ₹25 lakh Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.95%, the EMI is about ₹24,043 a month, with total interest of about ₹32,70,268.
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) | ₹24,043 | ₹32,70,268 | ₹57,70,268 |
| 10.45% | ₹24,876 | ₹34,70,141 | ₹59,70,141 |
| 10.95% | ₹25,720 | ₹36,72,727 | ₹61,72,727 |
| 11.45% | ₹26,575 | ₹38,77,919 | ₹63,77,919 |
| 11.95% | ₹27,440 | ₹40,85,614 | ₹65,85,614 |
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 | ₹41,628 | ₹2,46,886 | ₹2,88,513 | ₹24,58,372 |
| Year 2 | ₹45,964 | ₹2,42,549 | ₹2,88,513 | ₹24,12,408 |
| Year 3 | ₹50,752 | ₹2,37,762 | ₹2,88,513 | ₹23,61,656 |
| Year 4 | ₹56,038 | ₹2,32,475 | ₹2,88,513 | ₹23,05,618 |
| Year 5 | ₹61,876 | ₹2,26,638 | ₹2,88,513 | ₹22,43,742 |
| Year 6 | ₹68,321 | ₹2,20,192 | ₹2,88,513 | ₹21,75,421 |
| Year 7 | ₹75,438 | ₹2,13,076 | ₹2,88,513 | ₹20,99,983 |
| Year 8 | ₹83,296 | ₹2,05,218 | ₹2,88,513 | ₹20,16,688 |
| Year 9 | ₹91,972 | ₹1,96,541 | ₹2,88,513 | ₹19,24,715 |
| Year 10 | ₹1,01,553 | ₹1,86,961 | ₹2,88,513 | ₹18,23,163 |
| Year 11 | ₹1,12,131 | ₹1,76,383 | ₹2,88,513 | ₹17,11,032 |
| Year 12 | ₹1,23,811 | ₹1,64,702 | ₹2,88,513 | ₹15,87,221 |
| Year 13 | ₹1,36,708 | ₹1,51,806 | ₹2,88,513 | ₹14,50,513 |
| Year 14 | ₹1,50,948 | ₹1,37,565 | ₹2,88,513 | ₹12,99,565 |
| Year 15 | ₹1,66,672 | ₹1,21,842 | ₹2,88,513 | ₹11,32,894 |
| Year 16 | ₹1,84,033 | ₹1,04,480 | ₹2,88,513 | ₹9,48,861 |
| Year 17 | ₹2,03,203 | ₹85,311 | ₹2,88,513 | ₹7,45,658 |
| Year 18 | ₹2,24,370 | ₹64,144 | ₹2,88,513 | ₹5,21,288 |
| Year 19 | ₹2,47,741 | ₹40,772 | ₹2,88,513 | ₹2,73,547 |
| Year 20 | ₹2,73,547 | ₹14,966 | ₹2,88,513 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Bank of Maharashtra loan against property for 20 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹24,043 a month. If your offered rate is 10.95% it would be about ₹25,720.
How much total interest will I pay?
At 9.95% the total interest over 20 years is about ₹32,70,268, so you repay about ₹57,70,268 in all.