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Federal Bank ₹1 crore Loan Against Property EMI for 10 Years
At the advertised starting rate of 8.45%, the EMI is about ₹1,23,718 a month, with total interest of about ₹48,46,212.
Source: Federal Bank 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 |
|---|---|---|---|
| 8.45% (starting) | ₹1,23,718 | ₹48,46,212 | ₹1,48,46,212 |
| 8.95% | ₹1,26,405 | ₹51,68,640 | ₹1,51,68,640 |
| 9.45% | ₹1,29,124 | ₹54,94,875 | ₹1,54,94,875 |
| 9.95% | ₹1,31,874 | ₹58,24,882 | ₹1,58,24,882 |
| 10.45% | ₹1,34,655 | ₹61,58,622 | ₹1,61,58,622 |
Year-by-year repayment schedule at 8.45%
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 | ₹6,64,984 | ₹8,19,637 | ₹14,84,621 | ₹93,35,016 |
| Year 2 | ₹7,23,403 | ₹7,61,218 | ₹14,84,621 | ₹86,11,613 |
| Year 3 | ₹7,86,955 | ₹6,97,666 | ₹14,84,621 | ₹78,24,658 |
| Year 4 | ₹8,56,089 | ₹6,28,532 | ₹14,84,621 | ₹69,68,569 |
| Year 5 | ₹9,31,297 | ₹5,53,324 | ₹14,84,621 | ₹60,37,272 |
| Year 6 | ₹10,13,112 | ₹4,71,509 | ₹14,84,621 | ₹50,24,159 |
| Year 7 | ₹11,02,115 | ₹3,82,506 | ₹14,84,621 | ₹39,22,044 |
| Year 8 | ₹11,98,936 | ₹2,85,685 | ₹14,84,621 | ₹27,23,108 |
| Year 9 | ₹13,04,264 | ₹1,80,357 | ₹14,84,621 | ₹14,18,844 |
| Year 10 | ₹14,18,844 | ₹65,777 | ₹14,84,621 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Federal Bank loan against property for 10 years?
At Federal Bank's starting rate of 8.45% the EMI is about ₹1,23,718 a month. If your offered rate is 9.45% it would be about ₹1,29,124.
How much total interest will I pay?
At 8.45% the total interest over 10 years is about ₹48,46,212, so you repay about ₹1,48,46,212 in all.