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Union Bank of India ₹1 crore Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.3%, the EMI is about ₹1,28,305 a month, with total interest of about ₹53,96,607.
Source: Union Bank of India 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 |
|---|---|---|---|
| 9.3% (starting) | ₹1,28,305 | ₹53,96,607 | ₹1,53,96,607 |
| 9.8% | ₹1,31,046 | ₹57,25,486 | ₹1,57,25,486 |
| 10.3% | ₹1,33,818 | ₹60,58,110 | ₹1,60,58,110 |
| 10.8% | ₹1,36,620 | ₹63,94,440 | ₹1,63,94,440 |
| 11.3% | ₹1,39,454 | ₹67,34,437 | ₹1,67,34,437 |
Year-by-year repayment schedule at 9.3%
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 | ₹6,36,331 | ₹9,03,330 | ₹15,39,661 | ₹93,63,669 |
| Year 2 | ₹6,98,098 | ₹8,41,562 | ₹15,39,661 | ₹86,65,571 |
| Year 3 | ₹7,65,861 | ₹7,73,799 | ₹15,39,661 | ₹78,99,710 |
| Year 4 | ₹8,40,202 | ₹6,99,458 | ₹15,39,661 | ₹70,59,507 |
| Year 5 | ₹9,21,759 | ₹6,17,901 | ₹15,39,661 | ₹61,37,748 |
| Year 6 | ₹10,11,233 | ₹5,28,428 | ₹15,39,661 | ₹51,26,515 |
| Year 7 | ₹11,09,392 | ₹4,30,269 | ₹15,39,661 | ₹40,17,123 |
| Year 8 | ₹12,17,079 | ₹3,22,582 | ₹15,39,661 | ₹28,00,044 |
| Year 9 | ₹13,35,218 | ₹2,04,442 | ₹15,39,661 | ₹14,64,826 |
| Year 10 | ₹14,64,826 | ₹74,835 | ₹15,39,661 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Union Bank of India loan against property for 10 years?
At Union Bank of India's starting rate of 9.3% the EMI is about ₹1,28,305 a month. If your offered rate is 10.3% it would be about ₹1,33,818.
How much total interest will I pay?
At 9.3% the total interest over 10 years is about ₹53,96,607, so you repay about ₹1,53,96,607 in all.