Home › Loan Against Property › IDFC FIRST Bank › ₹25 lakh for 10 years
IDFC FIRST Bank ₹25 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.5%, the EMI is about ₹32,349 a month, with total interest of about ₹13,81,927.
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) | ₹32,349 | ₹13,81,927 | ₹38,81,927 |
| 10% | ₹33,038 | ₹14,64,522 | ₹39,64,522 |
| 10.5% | ₹33,734 | ₹15,48,050 | ₹40,48,050 |
| 11% | ₹34,438 | ₹16,32,500 | ₹41,32,500 |
| 11.5% | ₹35,149 | ₹17,17,863 | ₹42,17,863 |
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 | ₹1,57,430 | ₹2,30,762 | ₹3,88,193 | ₹23,42,570 |
| Year 2 | ₹1,73,055 | ₹2,15,138 | ₹3,88,193 | ₹21,69,515 |
| Year 3 | ₹1,90,230 | ₹1,97,962 | ₹3,88,193 | ₹19,79,284 |
| Year 4 | ₹2,09,110 | ₹1,79,083 | ₹3,88,193 | ₹17,70,174 |
| Year 5 | ₹2,29,864 | ₹1,58,329 | ₹3,88,193 | ₹15,40,311 |
| Year 6 | ₹2,52,677 | ₹1,35,515 | ₹3,88,193 | ₹12,87,633 |
| Year 7 | ₹2,77,755 | ₹1,10,438 | ₹3,88,193 | ₹10,09,879 |
| Year 8 | ₹3,05,321 | ₹82,871 | ₹3,88,193 | ₹7,04,557 |
| Year 9 | ₹3,35,624 | ₹52,569 | ₹3,88,193 | ₹3,68,934 |
| Year 10 | ₹3,68,934 | ₹19,259 | ₹3,88,193 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh IDFC FIRST Bank loan against property for 10 years?
At IDFC FIRST Bank's starting rate of 9.5% the EMI is about ₹32,349 a month. If your offered rate is 10.5% it would be about ₹33,734.
How much total interest will I pay?
At 9.5% the total interest over 10 years is about ₹13,81,927, so you repay about ₹38,81,927 in all.