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Bank of Maharashtra ₹50 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.95%, the EMI is about ₹53,577 a month, with total interest of about ₹46,43,935.
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) | ₹53,577 | ₹46,43,935 | ₹96,43,935 |
| 10.45% | ₹55,115 | ₹49,20,711 | ₹99,20,711 |
| 10.95% | ₹56,673 | ₹52,01,133 | ₹1,02,01,133 |
| 11.45% | ₹58,251 | ₹54,85,117 | ₹1,04,85,117 |
| 11.95% | ₹59,848 | ₹57,72,579 | ₹1,07,72,579 |
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 | ₹1,52,248 | ₹4,90,681 | ₹6,42,929 | ₹48,47,752 |
| Year 2 | ₹1,68,107 | ₹4,74,822 | ₹6,42,929 | ₹46,79,645 |
| Year 3 | ₹1,85,618 | ₹4,57,311 | ₹6,42,929 | ₹44,94,027 |
| Year 4 | ₹2,04,953 | ₹4,37,976 | ₹6,42,929 | ₹42,89,075 |
| Year 5 | ₹2,26,302 | ₹4,16,627 | ₹6,42,929 | ₹40,62,773 |
| Year 6 | ₹2,49,875 | ₹3,93,054 | ₹6,42,929 | ₹38,12,898 |
| Year 7 | ₹2,75,903 | ₹3,67,026 | ₹6,42,929 | ₹35,36,995 |
| Year 8 | ₹3,04,642 | ₹3,38,287 | ₹6,42,929 | ₹32,32,353 |
| Year 9 | ₹3,36,376 | ₹3,06,553 | ₹6,42,929 | ₹28,95,977 |
| Year 10 | ₹3,71,414 | ₹2,71,515 | ₹6,42,929 | ₹25,24,563 |
| Year 11 | ₹4,10,103 | ₹2,32,826 | ₹6,42,929 | ₹21,14,460 |
| Year 12 | ₹4,52,821 | ₹1,90,108 | ₹6,42,929 | ₹16,61,639 |
| Year 13 | ₹4,99,990 | ₹1,42,939 | ₹6,42,929 | ₹11,61,649 |
| Year 14 | ₹5,52,071 | ₹90,858 | ₹6,42,929 | ₹6,09,578 |
| Year 15 | ₹6,09,578 | ₹33,351 | ₹6,42,929 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Bank of Maharashtra loan against property for 15 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹53,577 a month. If your offered rate is 10.95% it would be about ₹56,673.
How much total interest will I pay?
At 9.95% the total interest over 15 years is about ₹46,43,935, so you repay about ₹96,43,935 in all.