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Central Bank of India ₹25 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 8.9%, the EMI is about ₹25,208 a month, with total interest of about ₹20,37,469.
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) | ₹25,208 | ₹20,37,469 | ₹45,37,469 |
| 9.4% | ₹25,955 | ₹21,71,895 | ₹46,71,895 |
| 9.9% | ₹26,712 | ₹23,08,231 | ₹48,08,231 |
| 10.4% | ₹27,480 | ₹24,46,434 | ₹49,46,434 |
| 10.9% | ₹28,258 | ₹25,86,464 | ₹50,86,464 |
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 | ₹83,343 | ₹2,19,155 | ₹3,02,498 | ₹24,16,657 |
| Year 2 | ₹91,071 | ₹2,11,427 | ₹3,02,498 | ₹23,25,586 |
| Year 3 | ₹99,515 | ₹2,02,983 | ₹3,02,498 | ₹22,26,071 |
| Year 4 | ₹1,08,742 | ₹1,93,756 | ₹3,02,498 | ₹21,17,328 |
| Year 5 | ₹1,18,825 | ₹1,83,673 | ₹3,02,498 | ₹19,98,503 |
| Year 6 | ₹1,29,843 | ₹1,72,655 | ₹3,02,498 | ₹18,68,660 |
| Year 7 | ₹1,41,882 | ₹1,60,616 | ₹3,02,498 | ₹17,26,778 |
| Year 8 | ₹1,55,038 | ₹1,47,460 | ₹3,02,498 | ₹15,71,740 |
| Year 9 | ₹1,69,413 | ₹1,33,085 | ₹3,02,498 | ₹14,02,327 |
| Year 10 | ₹1,85,121 | ₹1,17,377 | ₹3,02,498 | ₹12,17,206 |
| Year 11 | ₹2,02,286 | ₹1,00,212 | ₹3,02,498 | ₹10,14,920 |
| Year 12 | ₹2,21,042 | ₹81,456 | ₹3,02,498 | ₹7,93,878 |
| Year 13 | ₹2,41,538 | ₹60,960 | ₹3,02,498 | ₹5,52,340 |
| Year 14 | ₹2,63,934 | ₹38,564 | ₹3,02,498 | ₹2,88,406 |
| Year 15 | ₹2,88,406 | ₹14,092 | ₹3,02,498 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Central Bank of India loan against property for 15 years?
At Central Bank of India's starting rate of 8.9% the EMI is about ₹25,208 a month. If your offered rate is 9.9% it would be about ₹26,712.
How much total interest will I pay?
At 8.9% the total interest over 15 years is about ₹20,37,469, so you repay about ₹45,37,469 in all.