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Central Bank of India ₹1 crore Loan Against Property EMI for 10 Years
At the advertised starting rate of 8.9%, the EMI is about ₹1,26,135 a month, with total interest of about ₹51,36,225.
Source: Central Bank of India 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 |
|---|---|---|---|
| 8.9% (starting) | ₹1,26,135 | ₹51,36,225 | ₹1,51,36,225 |
| 9.4% | ₹1,28,851 | ₹54,62,082 | ₹1,54,62,082 |
| 9.9% | ₹1,31,598 | ₹57,91,713 | ₹1,57,91,713 |
| 10.4% | ₹1,34,376 | ₹61,25,081 | ₹1,61,25,081 |
| 10.9% | ₹1,37,185 | ₹64,62,148 | ₹1,64,62,148 |
Year-by-year repayment schedule at 8.9%
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 | ₹6,49,701 | ₹8,63,922 | ₹15,13,623 | ₹93,50,299 |
| Year 2 | ₹7,09,942 | ₹8,03,681 | ₹15,13,623 | ₹86,40,357 |
| Year 3 | ₹7,75,769 | ₹7,37,853 | ₹15,13,623 | ₹78,64,588 |
| Year 4 | ₹8,47,700 | ₹6,65,923 | ₹15,13,623 | ₹70,16,889 |
| Year 5 | ₹9,26,300 | ₹5,87,323 | ₹15,13,623 | ₹60,90,589 |
| Year 6 | ₹10,12,188 | ₹5,01,435 | ₹15,13,623 | ₹50,78,401 |
| Year 7 | ₹11,06,040 | ₹4,07,583 | ₹15,13,623 | ₹39,72,361 |
| Year 8 | ₹12,08,594 | ₹3,05,029 | ₹15,13,623 | ₹27,63,767 |
| Year 9 | ₹13,20,657 | ₹1,92,966 | ₹15,13,623 | ₹14,43,110 |
| Year 10 | ₹14,43,110 | ₹70,512 | ₹15,13,623 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Central Bank of India loan against property for 10 years?
At Central Bank of India's starting rate of 8.9% the EMI is about ₹1,26,135 a month. If your offered rate is 9.9% it would be about ₹1,31,598.
How much total interest will I pay?
At 8.9% the total interest over 10 years is about ₹51,36,225, so you repay about ₹1,51,36,225 in all.