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Federal Bank ₹25 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 8.45%, the EMI is about ₹30,930 a month, with total interest of about ₹12,11,553.
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) | ₹30,930 | ₹12,11,553 | ₹37,11,553 |
| 8.95% | ₹31,601 | ₹12,92,160 | ₹37,92,160 |
| 9.45% | ₹32,281 | ₹13,73,719 | ₹38,73,719 |
| 9.95% | ₹32,969 | ₹14,56,220 | ₹39,56,220 |
| 10.45% | ₹33,664 | ₹15,39,655 | ₹40,39,655 |
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 | ₹1,66,246 | ₹2,04,909 | ₹3,71,155 | ₹23,33,754 |
| Year 2 | ₹1,80,851 | ₹1,90,304 | ₹3,71,155 | ₹21,52,903 |
| Year 3 | ₹1,96,739 | ₹1,74,417 | ₹3,71,155 | ₹19,56,165 |
| Year 4 | ₹2,14,022 | ₹1,57,133 | ₹3,71,155 | ₹17,42,142 |
| Year 5 | ₹2,32,824 | ₹1,38,331 | ₹3,71,155 | ₹15,09,318 |
| Year 6 | ₹2,53,278 | ₹1,17,877 | ₹3,71,155 | ₹12,56,040 |
| Year 7 | ₹2,75,529 | ₹95,627 | ₹3,71,155 | ₹9,80,511 |
| Year 8 | ₹2,99,734 | ₹71,421 | ₹3,71,155 | ₹6,80,777 |
| Year 9 | ₹3,26,066 | ₹45,089 | ₹3,71,155 | ₹3,54,711 |
| Year 10 | ₹3,54,711 | ₹16,444 | ₹3,71,155 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Federal Bank loan against property for 10 years?
At Federal Bank's starting rate of 8.45% the EMI is about ₹30,930 a month. If your offered rate is 9.45% it would be about ₹32,281.
How much total interest will I pay?
At 8.45% the total interest over 10 years is about ₹12,11,553, so you repay about ₹37,11,553 in all.