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Union Bank of India ₹25 lakh Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.3%, the EMI is about ₹22,978 a month, with total interest of about ₹30,14,659.
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) | ₹22,978 | ₹30,14,659 | ₹55,14,659 |
| 9.8% | ₹23,795 | ₹32,10,850 | ₹57,10,850 |
| 10.3% | ₹24,625 | ₹34,09,889 | ₹59,09,889 |
| 10.8% | ₹25,465 | ₹36,11,672 | ₹61,11,672 |
| 11.3% | ₹26,317 | ₹38,16,094 | ₹63,16,094 |
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 | ₹45,124 | ₹2,30,609 | ₹2,75,733 | ₹24,54,876 |
| Year 2 | ₹49,504 | ₹2,26,229 | ₹2,75,733 | ₹24,05,371 |
| Year 3 | ₹54,310 | ₹2,21,423 | ₹2,75,733 | ₹23,51,062 |
| Year 4 | ₹59,581 | ₹2,16,152 | ₹2,75,733 | ₹22,91,480 |
| Year 5 | ₹65,365 | ₹2,10,368 | ₹2,75,733 | ₹22,26,115 |
| Year 6 | ₹71,710 | ₹2,04,023 | ₹2,75,733 | ₹21,54,406 |
| Year 7 | ₹78,670 | ₹1,97,062 | ₹2,75,733 | ₹20,75,735 |
| Year 8 | ₹86,307 | ₹1,89,426 | ₹2,75,733 | ₹19,89,428 |
| Year 9 | ₹94,685 | ₹1,81,048 | ₹2,75,733 | ₹18,94,744 |
| Year 10 | ₹1,03,875 | ₹1,71,858 | ₹2,75,733 | ₹17,90,868 |
| Year 11 | ₹1,13,958 | ₹1,61,775 | ₹2,75,733 | ₹16,76,910 |
| Year 12 | ₹1,25,020 | ₹1,50,713 | ₹2,75,733 | ₹15,51,890 |
| Year 13 | ₹1,37,156 | ₹1,38,577 | ₹2,75,733 | ₹14,14,734 |
| Year 14 | ₹1,50,469 | ₹1,25,264 | ₹2,75,733 | ₹12,64,265 |
| Year 15 | ₹1,65,075 | ₹1,10,658 | ₹2,75,733 | ₹10,99,190 |
| Year 16 | ₹1,81,099 | ₹94,634 | ₹2,75,733 | ₹9,18,091 |
| Year 17 | ₹1,98,677 | ₹77,055 | ₹2,75,733 | ₹7,19,414 |
| Year 18 | ₹2,17,963 | ₹57,770 | ₹2,75,733 | ₹5,01,451 |
| Year 19 | ₹2,39,120 | ₹36,613 | ₹2,75,733 | ₹2,62,331 |
| Year 20 | ₹2,62,331 | ₹13,402 | ₹2,75,733 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh 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 ₹22,978 a month. If your offered rate is 10.3% it would be about ₹24,625.
How much total interest will I pay?
At 9.3% the total interest over 20 years is about ₹30,14,659, so you repay about ₹55,14,659 in all.