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Union Bank of India ₹25 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.3%, the EMI is about ₹25,805 a month, with total interest of about ₹21,44,856.
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) | ₹25,805 | ₹21,44,856 | ₹46,44,856 |
| 9.8% | ₹26,560 | ₹22,80,813 | ₹47,80,813 |
| 10.3% | ₹27,326 | ₹24,18,646 | ₹49,18,646 |
| 10.8% | ₹28,102 | ₹25,58,314 | ₹50,58,314 |
| 11.3% | ₹28,888 | ₹26,99,776 | ₹51,99,776 |
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 | ₹80,532 | ₹2,29,125 | ₹3,09,657 | ₹24,19,468 |
| Year 2 | ₹88,350 | ₹2,21,308 | ₹3,09,657 | ₹23,31,118 |
| Year 3 | ₹96,925 | ₹2,12,732 | ₹3,09,657 | ₹22,34,193 |
| Year 4 | ₹1,06,334 | ₹2,03,323 | ₹3,09,657 | ₹21,27,859 |
| Year 5 | ₹1,16,655 | ₹1,93,002 | ₹3,09,657 | ₹20,11,203 |
| Year 6 | ₹1,27,979 | ₹1,81,678 | ₹3,09,657 | ₹18,83,224 |
| Year 7 | ₹1,40,402 | ₹1,69,255 | ₹3,09,657 | ₹17,42,823 |
| Year 8 | ₹1,54,030 | ₹1,55,627 | ₹3,09,657 | ₹15,88,792 |
| Year 9 | ₹1,68,982 | ₹1,40,675 | ₹3,09,657 | ₹14,19,810 |
| Year 10 | ₹1,85,385 | ₹1,24,273 | ₹3,09,657 | ₹12,34,426 |
| Year 11 | ₹2,03,380 | ₹1,06,278 | ₹3,09,657 | ₹10,31,046 |
| Year 12 | ₹2,23,121 | ₹86,536 | ₹3,09,657 | ₹8,07,925 |
| Year 13 | ₹2,44,779 | ₹64,878 | ₹3,09,657 | ₹5,63,146 |
| Year 14 | ₹2,68,540 | ₹41,118 | ₹3,09,657 | ₹2,94,606 |
| Year 15 | ₹2,94,606 | ₹15,051 | ₹3,09,657 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh 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 ₹25,805 a month. If your offered rate is 10.3% it would be about ₹27,326.
How much total interest will I pay?
At 9.3% the total interest over 15 years is about ₹21,44,856, so you repay about ₹46,44,856 in all.