Home › Loan Against Property › IDFC FIRST Bank › ₹25 lakh for 15 years
IDFC FIRST Bank ₹25 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.5%, the EMI is about ₹26,106 a month, with total interest of about ₹21,99,011.
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) | ₹26,106 | ₹21,99,011 | ₹46,99,011 |
| 10% | ₹26,865 | ₹23,35,723 | ₹48,35,723 |
| 10.5% | ₹27,635 | ₹24,74,295 | ₹49,74,295 |
| 11% | ₹28,415 | ₹26,14,686 | ₹51,14,686 |
| 11.5% | ₹29,205 | ₹27,56,854 | ₹52,56,854 |
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 | ₹79,155 | ₹2,34,112 | ₹3,13,267 | ₹24,20,845 |
| Year 2 | ₹87,011 | ₹2,26,256 | ₹3,13,267 | ₹23,33,834 |
| Year 3 | ₹95,647 | ₹2,17,621 | ₹3,13,267 | ₹22,38,187 |
| Year 4 | ₹1,05,139 | ₹2,08,128 | ₹3,13,267 | ₹21,33,048 |
| Year 5 | ₹1,15,574 | ₹1,97,693 | ₹3,13,267 | ₹20,17,474 |
| Year 6 | ₹1,27,045 | ₹1,86,223 | ₹3,13,267 | ₹18,90,429 |
| Year 7 | ₹1,39,654 | ₹1,73,614 | ₹3,13,267 | ₹17,50,776 |
| Year 8 | ₹1,53,514 | ₹1,59,754 | ₹3,13,267 | ₹15,97,262 |
| Year 9 | ₹1,68,750 | ₹1,44,518 | ₹3,13,267 | ₹14,28,512 |
| Year 10 | ₹1,85,498 | ₹1,27,770 | ₹3,13,267 | ₹12,43,014 |
| Year 11 | ₹2,03,908 | ₹1,09,360 | ₹3,13,267 | ₹10,39,107 |
| Year 12 | ₹2,24,145 | ₹89,122 | ₹3,13,267 | ₹8,14,961 |
| Year 13 | ₹2,46,391 | ₹66,876 | ₹3,13,267 | ₹5,68,570 |
| Year 14 | ₹2,70,845 | ₹42,423 | ₹3,13,267 | ₹2,97,725 |
| Year 15 | ₹2,97,725 | ₹15,542 | ₹3,13,267 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh IDFC FIRST Bank loan against property for 15 years?
At IDFC FIRST Bank's starting rate of 9.5% the EMI is about ₹26,106 a month. If your offered rate is 10.5% it would be about ₹27,635.
How much total interest will I pay?
At 9.5% the total interest over 15 years is about ₹21,99,011, so you repay about ₹46,99,011 in all.