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Indian Bank ₹1 crore Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.2%, the EMI is about ₹1,27,761 a month, with total interest of about ₹53,31,284.
Source: Indian 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 |
|---|---|---|---|
| 9.2% (starting) | ₹1,27,761 | ₹53,31,284 | ₹1,53,31,284 |
| 9.7% | ₹1,30,495 | ₹56,59,410 | ₹1,56,59,410 |
| 10.2% | ₹1,33,261 | ₹59,91,288 | ₹1,59,91,288 |
| 10.7% | ₹1,36,057 | ₹63,26,880 | ₹1,63,26,880 |
| 11.2% | ₹1,38,885 | ₹66,66,146 | ₹1,66,66,146 |
Year-by-year repayment schedule at 9.2%
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 | ₹6,39,654 | ₹8,93,474 | ₹15,33,128 | ₹93,60,346 |
| Year 2 | ₹7,01,048 | ₹8,32,080 | ₹15,33,128 | ₹86,59,297 |
| Year 3 | ₹7,68,335 | ₹7,64,793 | ₹15,33,128 | ₹78,90,962 |
| Year 4 | ₹8,42,080 | ₹6,91,048 | ₹15,33,128 | ₹70,48,882 |
| Year 5 | ₹9,22,903 | ₹6,10,225 | ₹15,33,128 | ₹61,25,979 |
| Year 6 | ₹10,11,484 | ₹5,21,645 | ₹15,33,128 | ₹51,14,496 |
| Year 7 | ₹11,08,566 | ₹4,24,562 | ₹15,33,128 | ₹40,05,930 |
| Year 8 | ₹12,14,966 | ₹3,18,162 | ₹15,33,128 | ₹27,90,963 |
| Year 9 | ₹13,31,579 | ₹2,01,549 | ₹15,33,128 | ₹14,59,384 |
| Year 10 | ₹14,59,384 | ₹73,744 | ₹15,33,128 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Indian Bank loan against property for 10 years?
At Indian Bank's starting rate of 9.2% the EMI is about ₹1,27,761 a month. If your offered rate is 10.2% it would be about ₹1,33,261.
How much total interest will I pay?
At 9.2% the total interest over 10 years is about ₹53,31,284, so you repay about ₹1,53,31,284 in all.