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Union Bank of India ₹1 crore Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.3%, the EMI is about ₹91,911 a month, with total interest of about ₹1,20,58,637.
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) | ₹91,911 | ₹1,20,58,637 | ₹2,20,58,637 |
| 9.8% | ₹95,181 | ₹1,28,43,400 | ₹2,28,43,400 |
| 10.3% | ₹98,498 | ₹1,36,39,558 | ₹2,36,39,558 |
| 10.8% | ₹1,01,861 | ₹1,44,46,690 | ₹2,44,46,690 |
| 11.3% | ₹1,05,268 | ₹1,52,64,376 | ₹2,52,64,376 |
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 | ₹1,80,497 | ₹9,22,435 | ₹11,02,932 | ₹98,19,503 |
| Year 2 | ₹1,98,017 | ₹9,04,914 | ₹11,02,932 | ₹96,21,486 |
| Year 3 | ₹2,17,239 | ₹8,85,693 | ₹11,02,932 | ₹94,04,247 |
| Year 4 | ₹2,38,326 | ₹8,64,606 | ₹11,02,932 | ₹91,65,921 |
| Year 5 | ₹2,61,460 | ₹8,41,472 | ₹11,02,932 | ₹89,04,462 |
| Year 6 | ₹2,86,839 | ₹8,16,093 | ₹11,02,932 | ₹86,17,623 |
| Year 7 | ₹3,14,682 | ₹7,88,250 | ₹11,02,932 | ₹83,02,941 |
| Year 8 | ₹3,45,228 | ₹7,57,704 | ₹11,02,932 | ₹79,57,714 |
| Year 9 | ₹3,78,738 | ₹7,24,194 | ₹11,02,932 | ₹75,78,975 |
| Year 10 | ₹4,15,502 | ₹6,87,430 | ₹11,02,932 | ₹71,63,474 |
| Year 11 | ₹4,55,834 | ₹6,47,098 | ₹11,02,932 | ₹67,07,640 |
| Year 12 | ₹5,00,081 | ₹6,02,851 | ₹11,02,932 | ₹62,07,559 |
| Year 13 | ₹5,48,623 | ₹5,54,309 | ₹11,02,932 | ₹56,58,936 |
| Year 14 | ₹6,01,877 | ₹5,01,055 | ₹11,02,932 | ₹50,57,059 |
| Year 15 | ₹6,60,300 | ₹4,42,632 | ₹11,02,932 | ₹43,96,759 |
| Year 16 | ₹7,24,394 | ₹3,78,538 | ₹11,02,932 | ₹36,72,365 |
| Year 17 | ₹7,94,710 | ₹3,08,222 | ₹11,02,932 | ₹28,77,655 |
| Year 18 | ₹8,71,851 | ₹2,31,081 | ₹11,02,932 | ₹20,05,804 |
| Year 19 | ₹9,56,480 | ₹1,46,452 | ₹11,02,932 | ₹10,49,324 |
| Year 20 | ₹10,49,324 | ₹53,608 | ₹11,02,932 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Union Bank of India loan against property for 20 years?
At Union Bank of India's starting rate of 9.3% the EMI is about ₹91,911 a month. If your offered rate is 10.3% it would be about ₹98,498.
How much total interest will I pay?
At 9.3% the total interest over 20 years is about ₹1,20,58,637, so you repay about ₹2,20,58,637 in all.