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Bank of Maharashtra ₹50 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.95%, the EMI is about ₹65,937 a month, with total interest of about ₹29,12,441.
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) | ₹65,937 | ₹29,12,441 | ₹79,12,441 |
| 10.45% | ₹67,328 | ₹30,79,311 | ₹80,79,311 |
| 10.95% | ₹68,734 | ₹32,48,028 | ₹82,48,028 |
| 11.45% | ₹70,155 | ₹34,18,573 | ₹84,18,573 |
| 11.95% | ₹71,591 | ₹35,90,923 | ₹85,90,923 |
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 | ₹3,07,517 | ₹4,83,727 | ₹7,91,244 | ₹46,92,483 |
| Year 2 | ₹3,39,550 | ₹4,51,694 | ₹7,91,244 | ₹43,52,933 |
| Year 3 | ₹3,74,919 | ₹4,16,325 | ₹7,91,244 | ₹39,78,013 |
| Year 4 | ₹4,13,973 | ₹3,77,271 | ₹7,91,244 | ₹35,64,041 |
| Year 5 | ₹4,57,095 | ₹3,34,150 | ₹7,91,244 | ₹31,06,946 |
| Year 6 | ₹5,04,708 | ₹2,86,536 | ₹7,91,244 | ₹26,02,238 |
| Year 7 | ₹5,57,281 | ₹2,33,963 | ₹7,91,244 | ₹20,44,957 |
| Year 8 | ₹6,15,331 | ₹1,75,914 | ₹7,91,244 | ₹14,29,626 |
| Year 9 | ₹6,79,427 | ₹1,11,817 | ₹7,91,244 | ₹7,50,199 |
| Year 10 | ₹7,50,199 | ₹41,045 | ₹7,91,244 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Bank of Maharashtra loan against property for 10 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹65,937 a month. If your offered rate is 10.95% it would be about ₹68,734.
How much total interest will I pay?
At 9.95% the total interest over 10 years is about ₹29,12,441, so you repay about ₹79,12,441 in all.