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Federal Bank ₹25 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 8.45%, the EMI is about ₹24,545 a month, with total interest of about ₹19,18,149.
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) | ₹24,545 | ₹19,18,149 | ₹44,18,149 |
| 8.95% | ₹25,282 | ₹20,50,825 | ₹45,50,825 |
| 9.45% | ₹26,030 | ₹21,85,444 | ₹46,85,444 |
| 9.95% | ₹26,789 | ₹23,21,967 | ₹48,21,967 |
| 10.45% | ₹27,558 | ₹24,60,355 | ₹49,60,355 |
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 | ₹86,596 | ₹2,07,947 | ₹2,94,543 | ₹24,13,404 |
| Year 2 | ₹94,204 | ₹2,00,340 | ₹2,94,543 | ₹23,19,200 |
| Year 3 | ₹1,02,479 | ₹1,92,064 | ₹2,94,543 | ₹22,16,721 |
| Year 4 | ₹1,11,482 | ₹1,83,061 | ₹2,94,543 | ₹21,05,239 |
| Year 5 | ₹1,21,276 | ₹1,73,267 | ₹2,94,543 | ₹19,83,962 |
| Year 6 | ₹1,31,930 | ₹1,62,613 | ₹2,94,543 | ₹18,52,032 |
| Year 7 | ₹1,43,520 | ₹1,51,023 | ₹2,94,543 | ₹17,08,512 |
| Year 8 | ₹1,56,129 | ₹1,38,414 | ₹2,94,543 | ₹15,52,383 |
| Year 9 | ₹1,69,845 | ₹1,24,698 | ₹2,94,543 | ₹13,82,538 |
| Year 10 | ₹1,84,766 | ₹1,09,777 | ₹2,94,543 | ₹11,97,772 |
| Year 11 | ₹2,00,998 | ₹93,546 | ₹2,94,543 | ₹9,96,774 |
| Year 12 | ₹2,18,655 | ₹75,888 | ₹2,94,543 | ₹7,78,119 |
| Year 13 | ₹2,37,864 | ₹56,679 | ₹2,94,543 | ₹5,40,254 |
| Year 14 | ₹2,58,761 | ₹35,782 | ₹2,94,543 | ₹2,81,493 |
| Year 15 | ₹2,81,493 | ₹13,050 | ₹2,94,543 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Federal Bank loan against property for 15 years?
At Federal Bank's starting rate of 8.45% the EMI is about ₹24,545 a month. If your offered rate is 9.45% it would be about ₹26,030.
How much total interest will I pay?
At 8.45% the total interest over 15 years is about ₹19,18,149, so you repay about ₹44,18,149 in all.