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IDFC FIRST Bank ₹50 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.5%, the EMI is about ₹52,211 a month, with total interest of about ₹43,98,022.
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) | ₹52,211 | ₹43,98,022 | ₹93,98,022 |
| 10% | ₹53,730 | ₹46,71,446 | ₹96,71,446 |
| 10.5% | ₹55,270 | ₹49,48,590 | ₹99,48,590 |
| 11% | ₹56,830 | ₹52,29,372 | ₹1,02,29,372 |
| 11.5% | ₹58,409 | ₹55,13,708 | ₹1,05,13,708 |
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 | ₹1,58,310 | ₹4,68,225 | ₹6,26,535 | ₹48,41,690 |
| Year 2 | ₹1,74,022 | ₹4,52,513 | ₹6,26,535 | ₹46,67,668 |
| Year 3 | ₹1,91,293 | ₹4,35,241 | ₹6,26,535 | ₹44,76,374 |
| Year 4 | ₹2,10,279 | ₹4,16,256 | ₹6,26,535 | ₹42,66,096 |
| Year 5 | ₹2,31,148 | ₹3,95,386 | ₹6,26,535 | ₹40,34,947 |
| Year 6 | ₹2,54,089 | ₹3,72,446 | ₹6,26,535 | ₹37,80,858 |
| Year 7 | ₹2,79,307 | ₹3,47,228 | ₹6,26,535 | ₹35,01,551 |
| Year 8 | ₹3,07,028 | ₹3,19,507 | ₹6,26,535 | ₹31,94,524 |
| Year 9 | ₹3,37,499 | ₹2,89,035 | ₹6,26,535 | ₹28,57,024 |
| Year 10 | ₹3,70,995 | ₹2,55,539 | ₹6,26,535 | ₹24,86,029 |
| Year 11 | ₹4,07,816 | ₹2,18,719 | ₹6,26,535 | ₹20,78,213 |
| Year 12 | ₹4,48,290 | ₹1,78,244 | ₹6,26,535 | ₹16,29,923 |
| Year 13 | ₹4,92,782 | ₹1,33,753 | ₹6,26,535 | ₹11,37,141 |
| Year 14 | ₹5,41,690 | ₹84,845 | ₹6,26,535 | ₹5,95,451 |
| Year 15 | ₹5,95,451 | ₹31,084 | ₹6,26,535 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh IDFC FIRST Bank loan against property for 15 years?
At IDFC FIRST Bank's starting rate of 9.5% the EMI is about ₹52,211 a month. If your offered rate is 10.5% it would be about ₹55,270.
How much total interest will I pay?
At 9.5% the total interest over 15 years is about ₹43,98,022, so you repay about ₹93,98,022 in all.