Home › Loan Against Property › IDFC FIRST Bank › ₹1 crore for 10 years
IDFC FIRST Bank ₹1 crore Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.5%, the EMI is about ₹1,29,398 a month, with total interest of about ₹55,27,707.
Source: IDFC FIRST 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 |
|---|---|---|---|
| 9.5% (starting) | ₹1,29,398 | ₹55,27,707 | ₹1,55,27,707 |
| 10% | ₹1,32,151 | ₹58,58,088 | ₹1,58,58,088 |
| 10.5% | ₹1,34,935 | ₹61,92,200 | ₹1,61,92,200 |
| 11% | ₹1,37,750 | ₹65,30,001 | ₹1,65,30,001 |
| 11.5% | ₹1,40,595 | ₹68,71,453 | ₹1,68,71,453 |
Year-by-year repayment schedule at 9.5%
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 | ₹6,29,721 | ₹9,23,049 | ₹15,52,771 | ₹93,70,279 |
| Year 2 | ₹6,92,220 | ₹8,60,551 | ₹15,52,771 | ₹86,78,059 |
| Year 3 | ₹7,60,921 | ₹7,91,850 | ₹15,52,771 | ₹79,17,138 |
| Year 4 | ₹8,36,440 | ₹7,16,330 | ₹15,52,771 | ₹70,80,698 |
| Year 5 | ₹9,19,455 | ₹6,33,316 | ₹15,52,771 | ₹61,61,242 |
| Year 6 | ₹10,10,709 | ₹5,42,062 | ₹15,52,771 | ₹51,50,534 |
| Year 7 | ₹11,11,019 | ₹4,41,751 | ₹15,52,771 | ₹40,39,514 |
| Year 8 | ₹12,21,285 | ₹3,31,485 | ₹15,52,771 | ₹28,18,229 |
| Year 9 | ₹13,42,495 | ₹2,10,276 | ₹15,52,771 | ₹14,75,734 |
| Year 10 | ₹14,75,734 | ₹77,036 | ₹15,52,771 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore IDFC FIRST Bank loan against property for 10 years?
At IDFC FIRST Bank's starting rate of 9.5% the EMI is about ₹1,29,398 a month. If your offered rate is 10.5% it would be about ₹1,34,935.
How much total interest will I pay?
At 9.5% the total interest over 10 years is about ₹55,27,707, so you repay about ₹1,55,27,707 in all.