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Bank of Maharashtra ₹50 lakh Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.95%, the EMI is about ₹48,086 a month, with total interest of about ₹65,40,535.
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) | ₹48,086 | ₹65,40,535 | ₹1,15,40,535 |
| 10.45% | ₹49,751 | ₹69,40,282 | ₹1,19,40,282 |
| 10.95% | ₹51,439 | ₹73,45,453 | ₹1,23,45,453 |
| 11.45% | ₹53,149 | ₹77,55,838 | ₹1,27,55,838 |
| 11.95% | ₹54,880 | ₹81,71,228 | ₹1,31,71,228 |
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 | ₹83,256 | ₹4,93,771 | ₹5,77,027 | ₹49,16,744 |
| Year 2 | ₹91,928 | ₹4,85,099 | ₹5,77,027 | ₹48,24,816 |
| Year 3 | ₹1,01,504 | ₹4,75,523 | ₹5,77,027 | ₹47,23,313 |
| Year 4 | ₹1,12,077 | ₹4,64,950 | ₹5,77,027 | ₹46,11,236 |
| Year 5 | ₹1,23,751 | ₹4,53,275 | ₹5,77,027 | ₹44,87,484 |
| Year 6 | ₹1,36,642 | ₹4,40,385 | ₹5,77,027 | ₹43,50,842 |
| Year 7 | ₹1,50,875 | ₹4,26,151 | ₹5,77,027 | ₹41,99,967 |
| Year 8 | ₹1,66,591 | ₹4,10,435 | ₹5,77,027 | ₹40,33,375 |
| Year 9 | ₹1,83,944 | ₹3,93,082 | ₹5,77,027 | ₹38,49,431 |
| Year 10 | ₹2,03,105 | ₹3,73,922 | ₹5,77,027 | ₹36,46,326 |
| Year 11 | ₹2,24,262 | ₹3,52,765 | ₹5,77,027 | ₹34,22,064 |
| Year 12 | ₹2,47,622 | ₹3,29,405 | ₹5,77,027 | ₹31,74,442 |
| Year 13 | ₹2,73,416 | ₹3,03,611 | ₹5,77,027 | ₹29,01,027 |
| Year 14 | ₹3,01,896 | ₹2,75,131 | ₹5,77,027 | ₹25,99,131 |
| Year 15 | ₹3,33,343 | ₹2,43,684 | ₹5,77,027 | ₹22,65,787 |
| Year 16 | ₹3,68,066 | ₹2,08,961 | ₹5,77,027 | ₹18,97,721 |
| Year 17 | ₹4,06,406 | ₹1,70,621 | ₹5,77,027 | ₹14,91,316 |
| Year 18 | ₹4,48,739 | ₹1,28,288 | ₹5,77,027 | ₹10,42,577 |
| Year 19 | ₹4,95,482 | ₹81,545 | ₹5,77,027 | ₹5,47,094 |
| Year 20 | ₹5,47,094 | ₹29,932 | ₹5,77,027 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Bank of Maharashtra loan against property for 20 years?
At Bank of Maharashtra's starting rate of 9.95% the EMI is about ₹48,086 a month. If your offered rate is 10.95% it would be about ₹51,439.
How much total interest will I pay?
At 9.95% the total interest over 20 years is about ₹65,40,535, so you repay about ₹1,15,40,535 in all.