Interest-only repayments on a ₹1,00,00,000 loan — India

At 8.5% over 30 years with a 5-year interest-only period:

• Interest-only repayment: ₹70,833 a month
• Reverts to: ₹80,523 a month
• Payment jump: ₹9,689 a month
• Extra interest vs P&I: ₹7,25,927

Frequently asked questions

What are interest-only repayments on a ₹1,00,00,000 loan?

At 8.5%, about ₹70,833 a month. Nothing comes off the balance, so you still owe ₹1,00,00,000 when the interest-only period ends.

How much does the repayment jump?

By about ₹9,689 a month after a 5-year interest-only period, because the full ₹1,00,00,000 must then be repaid over the remaining 25 years.

What does it cost overall?

About ₹7,25,927 more interest over the life of the loan than paying principal and interest from the start.

Compare with principal & interest on the same loan

Estimate only. Assumes a fixed rate and no fees; lenders often price interest-only higher. Not financial advice.