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IDFC FIRST Bank ₹50 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.5%, the EMI is about ₹64,699 a month, with total interest of about ₹27,63,853.
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) | ₹64,699 | ₹27,63,853 | ₹77,63,853 |
| 10% | ₹66,075 | ₹29,29,044 | ₹79,29,044 |
| 10.5% | ₹67,467 | ₹30,96,100 | ₹80,96,100 |
| 11% | ₹68,875 | ₹32,65,001 | ₹82,65,001 |
| 11.5% | ₹70,298 | ₹34,35,727 | ₹84,35,727 |
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 | ₹3,14,861 | ₹4,61,525 | ₹7,76,385 | ₹46,85,139 |
| Year 2 | ₹3,46,110 | ₹4,30,275 | ₹7,76,385 | ₹43,39,029 |
| Year 3 | ₹3,80,460 | ₹3,95,925 | ₹7,76,385 | ₹39,58,569 |
| Year 4 | ₹4,18,220 | ₹3,58,165 | ₹7,76,385 | ₹35,40,349 |
| Year 5 | ₹4,59,728 | ₹3,16,658 | ₹7,76,385 | ₹30,80,621 |
| Year 6 | ₹5,05,354 | ₹2,71,031 | ₹7,76,385 | ₹25,75,267 |
| Year 7 | ₹5,55,510 | ₹2,20,876 | ₹7,76,385 | ₹20,19,757 |
| Year 8 | ₹6,10,643 | ₹1,65,743 | ₹7,76,385 | ₹14,09,115 |
| Year 9 | ₹6,71,247 | ₹1,05,138 | ₹7,76,385 | ₹7,37,867 |
| Year 10 | ₹7,37,867 | ₹38,518 | ₹7,76,385 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh IDFC FIRST Bank loan against property for 10 years?
At IDFC FIRST Bank's starting rate of 9.5% the EMI is about ₹64,699 a month. If your offered rate is 10.5% it would be about ₹67,467.
How much total interest will I pay?
At 9.5% the total interest over 10 years is about ₹27,63,853, so you repay about ₹77,63,853 in all.