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Union Bank of India ₹50 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.3%, the EMI is about ₹51,610 a month, with total interest of about ₹42,89,712.
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) | ₹51,610 | ₹42,89,712 | ₹92,89,712 |
| 9.8% | ₹53,120 | ₹45,61,625 | ₹95,61,625 |
| 10.3% | ₹54,652 | ₹48,37,291 | ₹98,37,291 |
| 10.8% | ₹56,203 | ₹51,16,628 | ₹1,01,16,628 |
| 11.3% | ₹57,775 | ₹53,99,553 | ₹1,03,99,553 |
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 | ₹1,61,065 | ₹4,58,249 | ₹6,19,314 | ₹48,38,935 |
| Year 2 | ₹1,76,699 | ₹4,42,615 | ₹6,19,314 | ₹46,62,236 |
| Year 3 | ₹1,93,851 | ₹4,25,463 | ₹6,19,314 | ₹44,68,385 |
| Year 4 | ₹2,12,668 | ₹4,06,646 | ₹6,19,314 | ₹42,55,718 |
| Year 5 | ₹2,33,311 | ₹3,86,003 | ₹6,19,314 | ₹40,22,407 |
| Year 6 | ₹2,55,958 | ₹3,63,356 | ₹6,19,314 | ₹37,66,449 |
| Year 7 | ₹2,80,804 | ₹3,38,511 | ₹6,19,314 | ₹34,85,645 |
| Year 8 | ₹3,08,061 | ₹3,11,254 | ₹6,19,314 | ₹31,77,585 |
| Year 9 | ₹3,37,964 | ₹2,81,351 | ₹6,19,314 | ₹28,39,621 |
| Year 10 | ₹3,70,769 | ₹2,48,545 | ₹6,19,314 | ₹24,68,852 |
| Year 11 | ₹4,06,759 | ₹2,12,555 | ₹6,19,314 | ₹20,62,093 |
| Year 12 | ₹4,46,243 | ₹1,73,072 | ₹6,19,314 | ₹16,15,850 |
| Year 13 | ₹4,89,559 | ₹1,29,756 | ₹6,19,314 | ₹11,26,292 |
| Year 14 | ₹5,37,079 | ₹82,235 | ₹6,19,314 | ₹5,89,213 |
| Year 15 | ₹5,89,213 | ₹30,102 | ₹6,19,314 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 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 ₹51,610 a month. If your offered rate is 10.3% it would be about ₹54,652.
How much total interest will I pay?
At 9.3% the total interest over 15 years is about ₹42,89,712, so you repay about ₹92,89,712 in all.