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IDFC FIRST Bank ₹25 lakh Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.5%, the EMI is about ₹23,303 a month, with total interest of about ₹30,92,787.
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) | ₹23,303 | ₹30,92,787 | ₹55,92,787 |
| 10% | ₹24,126 | ₹32,90,130 | ₹57,90,130 |
| 10.5% | ₹24,959 | ₹34,90,279 | ₹59,90,279 |
| 11% | ₹25,805 | ₹36,93,130 | ₹61,93,130 |
| 11.5% | ₹26,661 | ₹38,98,578 | ₹63,98,578 |
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 | ₹44,023 | ₹2,35,616 | ₹2,79,639 | ₹24,55,977 |
| Year 2 | ₹48,393 | ₹2,31,247 | ₹2,79,639 | ₹24,07,584 |
| Year 3 | ₹53,196 | ₹2,26,444 | ₹2,79,639 | ₹23,54,388 |
| Year 4 | ₹58,475 | ₹2,21,164 | ₹2,79,639 | ₹22,95,913 |
| Year 5 | ₹64,279 | ₹2,15,361 | ₹2,79,639 | ₹22,31,635 |
| Year 6 | ₹70,658 | ₹2,08,981 | ₹2,79,639 | ₹21,60,977 |
| Year 7 | ₹77,671 | ₹2,01,969 | ₹2,79,639 | ₹20,83,306 |
| Year 8 | ₹85,379 | ₹1,94,260 | ₹2,79,639 | ₹19,97,926 |
| Year 9 | ₹93,853 | ₹1,85,786 | ₹2,79,639 | ₹19,04,073 |
| Year 10 | ₹1,03,168 | ₹1,76,472 | ₹2,79,639 | ₹18,00,906 |
| Year 11 | ₹1,13,407 | ₹1,66,232 | ₹2,79,639 | ₹16,87,499 |
| Year 12 | ₹1,24,662 | ₹1,54,977 | ₹2,79,639 | ₹15,62,837 |
| Year 13 | ₹1,37,035 | ₹1,42,605 | ₹2,79,639 | ₹14,25,802 |
| Year 14 | ₹1,50,635 | ₹1,29,004 | ₹2,79,639 | ₹12,75,167 |
| Year 15 | ₹1,65,585 | ₹1,14,054 | ₹2,79,639 | ₹11,09,582 |
| Year 16 | ₹1,82,019 | ₹97,620 | ₹2,79,639 | ₹9,27,563 |
| Year 17 | ₹2,00,084 | ₹79,555 | ₹2,79,639 | ₹7,27,478 |
| Year 18 | ₹2,19,942 | ₹59,697 | ₹2,79,639 | ₹5,07,536 |
| Year 19 | ₹2,41,771 | ₹37,869 | ₹2,79,639 | ₹2,65,766 |
| Year 20 | ₹2,65,766 | ₹13,874 | ₹2,79,639 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh IDFC FIRST Bank loan against property for 20 years?
At IDFC FIRST Bank's starting rate of 9.5% the EMI is about ₹23,303 a month. If your offered rate is 10.5% it would be about ₹24,959.
How much total interest will I pay?
At 9.5% the total interest over 20 years is about ₹30,92,787, so you repay about ₹55,92,787 in all.