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IDFC FIRST Bank ₹1 crore Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.5%, the EMI is about ₹1,04,422 a month, with total interest of about ₹87,96,044.
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) | ₹1,04,422 | ₹87,96,044 | ₹1,87,96,044 |
| 10% | ₹1,07,461 | ₹93,42,892 | ₹1,93,42,892 |
| 10.5% | ₹1,10,540 | ₹98,97,181 | ₹1,98,97,181 |
| 11% | ₹1,13,660 | ₹1,04,58,745 | ₹2,04,58,745 |
| 11.5% | ₹1,16,819 | ₹1,10,27,417 | ₹2,10,27,417 |
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 | ₹3,16,620 | ₹9,36,449 | ₹12,53,070 | ₹96,83,380 |
| Year 2 | ₹3,48,044 | ₹9,05,026 | ₹12,53,070 | ₹93,35,336 |
| Year 3 | ₹3,82,587 | ₹8,70,483 | ₹12,53,070 | ₹89,52,749 |
| Year 4 | ₹4,20,557 | ₹8,32,512 | ₹12,53,070 | ₹85,32,192 |
| Year 5 | ₹4,62,297 | ₹7,90,773 | ₹12,53,070 | ₹80,69,895 |
| Year 6 | ₹5,08,179 | ₹7,44,891 | ₹12,53,070 | ₹75,61,716 |
| Year 7 | ₹5,58,614 | ₹6,94,456 | ₹12,53,070 | ₹70,03,102 |
| Year 8 | ₹6,14,055 | ₹6,39,014 | ₹12,53,070 | ₹63,89,047 |
| Year 9 | ₹6,74,999 | ₹5,78,071 | ₹12,53,070 | ₹57,14,048 |
| Year 10 | ₹7,41,991 | ₹5,11,079 | ₹12,53,070 | ₹49,72,058 |
| Year 11 | ₹8,15,631 | ₹4,37,438 | ₹12,53,070 | ₹41,56,426 |
| Year 12 | ₹8,96,581 | ₹3,56,489 | ₹12,53,070 | ₹32,59,846 |
| Year 13 | ₹9,85,564 | ₹2,67,505 | ₹12,53,070 | ₹22,74,281 |
| Year 14 | ₹10,83,379 | ₹1,69,690 | ₹12,53,070 | ₹11,90,902 |
| Year 15 | ₹11,90,902 | ₹62,168 | ₹12,53,070 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore IDFC FIRST Bank loan against property for 15 years?
At IDFC FIRST Bank's starting rate of 9.5% the EMI is about ₹1,04,422 a month. If your offered rate is 10.5% it would be about ₹1,10,540.
How much total interest will I pay?
At 9.5% the total interest over 15 years is about ₹87,96,044, so you repay about ₹1,87,96,044 in all.