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IDFC FIRST Bank ₹1 crore Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.5%, the EMI is about ₹93,213 a month, with total interest of about ₹1,23,71,149.
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) | ₹93,213 | ₹1,23,71,149 | ₹2,23,71,149 |
| 10% | ₹96,502 | ₹1,31,60,519 | ₹2,31,60,519 |
| 10.5% | ₹99,838 | ₹1,39,61,117 | ₹2,39,61,117 |
| 11% | ₹1,03,219 | ₹1,47,72,521 | ₹2,47,72,521 |
| 11.5% | ₹1,06,643 | ₹1,55,94,311 | ₹2,55,94,311 |
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 | ₹1,76,094 | ₹9,42,464 | ₹11,18,557 | ₹98,23,906 |
| Year 2 | ₹1,93,571 | ₹9,24,987 | ₹11,18,557 | ₹96,30,335 |
| Year 3 | ₹2,12,782 | ₹9,05,775 | ₹11,18,557 | ₹94,17,553 |
| Year 4 | ₹2,33,900 | ₹8,84,657 | ₹11,18,557 | ₹91,83,653 |
| Year 5 | ₹2,57,114 | ₹8,61,443 | ₹11,18,557 | ₹89,26,539 |
| Year 6 | ₹2,82,632 | ₹8,35,925 | ₹11,18,557 | ₹86,43,906 |
| Year 7 | ₹3,10,683 | ₹8,07,875 | ₹11,18,557 | ₹83,33,223 |
| Year 8 | ₹3,41,517 | ₹7,77,040 | ₹11,18,557 | ₹79,91,706 |
| Year 9 | ₹3,75,412 | ₹7,43,145 | ₹11,18,557 | ₹76,16,294 |
| Year 10 | ₹4,12,671 | ₹7,05,886 | ₹11,18,557 | ₹72,03,623 |
| Year 11 | ₹4,53,628 | ₹6,64,930 | ₹11,18,557 | ₹67,49,995 |
| Year 12 | ₹4,98,649 | ₹6,19,908 | ₹11,18,557 | ₹62,51,346 |
| Year 13 | ₹5,48,139 | ₹5,70,419 | ₹11,18,557 | ₹57,03,207 |
| Year 14 | ₹6,02,540 | ₹5,16,017 | ₹11,18,557 | ₹51,00,667 |
| Year 15 | ₹6,62,341 | ₹4,56,217 | ₹11,18,557 | ₹44,38,327 |
| Year 16 | ₹7,28,077 | ₹3,90,481 | ₹11,18,557 | ₹37,10,250 |
| Year 17 | ₹8,00,336 | ₹3,18,221 | ₹11,18,557 | ₹29,09,914 |
| Year 18 | ₹8,79,768 | ₹2,38,790 | ₹11,18,557 | ₹20,30,146 |
| Year 19 | ₹9,67,083 | ₹1,51,475 | ₹11,18,557 | ₹10,63,063 |
| Year 20 | ₹10,63,063 | ₹55,494 | ₹11,18,557 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore IDFC FIRST Bank loan against property for 20 years?
At IDFC FIRST Bank's starting rate of 9.5% the EMI is about ₹93,213 a month. If your offered rate is 10.5% it would be about ₹99,838.
How much total interest will I pay?
At 9.5% the total interest over 20 years is about ₹1,23,71,149, so you repay about ₹2,23,71,149 in all.