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Central Bank of India ₹25 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 8.9%, the EMI is about ₹31,534 a month, with total interest of about ₹12,84,056.
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) | ₹31,534 | ₹12,84,056 | ₹37,84,056 |
| 9.4% | ₹32,213 | ₹13,65,520 | ₹38,65,520 |
| 9.9% | ₹32,899 | ₹14,47,928 | ₹39,47,928 |
| 10.4% | ₹33,594 | ₹15,31,270 | ₹40,31,270 |
| 10.9% | ₹34,296 | ₹16,15,537 | ₹41,15,537 |
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 | ₹1,62,425 | ₹2,15,980 | ₹3,78,406 | ₹23,37,575 |
| Year 2 | ₹1,77,486 | ₹2,00,920 | ₹3,78,406 | ₹21,60,089 |
| Year 3 | ₹1,93,942 | ₹1,84,463 | ₹3,78,406 | ₹19,66,147 |
| Year 4 | ₹2,11,925 | ₹1,66,481 | ₹3,78,406 | ₹17,54,222 |
| Year 5 | ₹2,31,575 | ₹1,46,831 | ₹3,78,406 | ₹15,22,647 |
| Year 6 | ₹2,53,047 | ₹1,25,359 | ₹3,78,406 | ₹12,69,600 |
| Year 7 | ₹2,76,510 | ₹1,01,896 | ₹3,78,406 | ₹9,93,090 |
| Year 8 | ₹3,02,148 | ₹76,257 | ₹3,78,406 | ₹6,90,942 |
| Year 9 | ₹3,30,164 | ₹48,241 | ₹3,78,406 | ₹3,60,778 |
| Year 10 | ₹3,60,778 | ₹17,628 | ₹3,78,406 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh 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 ₹31,534 a month. If your offered rate is 9.9% it would be about ₹32,899.
How much total interest will I pay?
At 8.9% the total interest over 10 years is about ₹12,84,056, so you repay about ₹37,84,056 in all.