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Union Bank of India ₹1 crore Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.3%, the EMI is about ₹1,03,219 a month, with total interest of about ₹85,79,425.
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) | ₹1,03,219 | ₹85,79,425 | ₹1,85,79,425 |
| 9.8% | ₹1,06,240 | ₹91,23,251 | ₹1,91,23,251 |
| 10.3% | ₹1,09,303 | ₹96,74,583 | ₹1,96,74,583 |
| 10.8% | ₹1,12,407 | ₹1,02,33,257 | ₹2,02,33,257 |
| 11.3% | ₹1,15,551 | ₹1,07,99,106 | ₹2,07,99,106 |
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 | ₹3,22,129 | ₹9,16,499 | ₹12,38,628 | ₹96,77,871 |
| Year 2 | ₹3,53,398 | ₹8,85,230 | ₹12,38,628 | ₹93,24,473 |
| Year 3 | ₹3,87,702 | ₹8,50,927 | ₹12,38,628 | ₹89,36,771 |
| Year 4 | ₹4,25,335 | ₹8,13,293 | ₹12,38,628 | ₹85,11,435 |
| Year 5 | ₹4,66,622 | ₹7,72,006 | ₹12,38,628 | ₹80,44,813 |
| Year 6 | ₹5,11,916 | ₹7,26,712 | ₹12,38,628 | ₹75,32,897 |
| Year 7 | ₹5,61,607 | ₹6,77,021 | ₹12,38,628 | ₹69,71,290 |
| Year 8 | ₹6,16,121 | ₹6,22,507 | ₹12,38,628 | ₹63,55,169 |
| Year 9 | ₹6,75,927 | ₹5,62,701 | ₹12,38,628 | ₹56,79,242 |
| Year 10 | ₹7,41,538 | ₹4,97,090 | ₹12,38,628 | ₹49,37,704 |
| Year 11 | ₹8,13,518 | ₹4,25,110 | ₹12,38,628 | ₹41,24,185 |
| Year 12 | ₹8,92,485 | ₹3,46,143 | ₹12,38,628 | ₹32,31,700 |
| Year 13 | ₹9,79,117 | ₹2,59,511 | ₹12,38,628 | ₹22,52,583 |
| Year 14 | ₹10,74,158 | ₹1,64,470 | ₹12,38,628 | ₹11,78,425 |
| Year 15 | ₹11,78,425 | ₹60,203 | ₹12,38,628 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Union Bank of India loan against property for 15 years?
At Union Bank of India's starting rate of 9.3% the EMI is about ₹1,03,219 a month. If your offered rate is 10.3% it would be about ₹1,09,303.
How much total interest will I pay?
At 9.3% the total interest over 15 years is about ₹85,79,425, so you repay about ₹1,85,79,425 in all.