Punjab National Bank Home Loan EMI Calculator — FY 2026-27
Calculate monthly EMI for a PNB Home Loan at the current PNB card rate. PNB is a Public Sector Bank with EBLR-linked floating rates (RBI repo + spread). Rate pre-fill tracks PNB card rate as of 16 April 2026.
Starting rate: 8.4% p.a.Last updated: Editorial
Loan inputs
- Monthly EMI
- ₹43,075
- Principal
- ₹50.00 L
- Total Interest
- ₹53.38 L
- Total Payment
- ₹1.03 Cr
Principal vs Interest
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Year 1 | ₹5,16,903 | ₹1,00,722 | ₹4,16,181 | ₹48,99,278 |
| Year 2 | ₹5,16,903 | ₹1,09,516 | ₹4,07,387 | ₹47,89,762 |
| Year 3 | ₹5,16,903 | ₹1,19,078 | ₹3,97,825 | ₹46,70,684 |
| Year 4 | ₹5,16,903 | ₹1,29,475 | ₹3,87,428 | ₹45,41,210 |
| Year 5 | ₹5,16,903 | ₹1,40,779 | ₹3,76,124 | ₹44,00,430 |
| Year 6 | ₹5,16,903 | ₹1,53,071 | ₹3,63,832 | ₹42,47,360 |
| Year 7 | ₹5,16,903 | ₹1,66,435 | ₹3,50,467 | ₹40,80,924 |
| Year 8 | ₹5,16,903 | ₹1,80,967 | ₹3,35,936 | ₹38,99,957 |
| Year 9 | ₹5,16,903 | ₹1,96,767 | ₹3,20,135 | ₹37,03,190 |
| Year 10 | ₹5,16,903 | ₹2,13,947 | ₹3,02,955 | ₹34,89,243 |
| Year 11 | ₹5,16,903 | ₹2,32,627 | ₹2,84,276 | ₹32,56,616 |
| Year 12 | ₹5,16,903 | ₹2,52,938 | ₹2,63,965 | ₹30,03,678 |
| Year 13 | ₹5,16,903 | ₹2,75,022 | ₹2,41,881 | ₹27,28,656 |
| Year 14 | ₹5,16,903 | ₹2,99,034 | ₹2,17,868 | ₹24,29,621 |
| Year 15 | ₹5,16,903 | ₹3,25,143 | ₹1,91,759 | ₹21,04,478 |
| Year 16 | ₹5,16,903 | ₹3,53,532 | ₹1,63,371 | ₹17,50,946 |
| Year 17 | ₹5,16,903 | ₹3,84,399 | ₹1,32,504 | ₹13,66,547 |
| Year 18 | ₹5,16,903 | ₹4,17,961 | ₹98,942 | ₹9,48,586 |
| Year 19 | ₹5,16,903 | ₹4,54,454 | ₹62,449 | ₹4,94,132 |
| Year 20 | ₹5,16,903 | ₹4,94,132 | ₹22,771 | ₹-0 |
About this Punjab National EMI Calculator
This Punjab National EMI Calculator computes the monthly EMI, total interest, and full amortization schedule for a Punjab National Bank home loan at the current rate card (starting 8.4% p.a. for eligible borrowers). It uses the same reducing-balance formula that Punjab National Bank’s official per-lakh EMI table publishes, so the output matches your sanction letter to the rupee.
For the generic EMI math that underlies every bank’s calculator, see the general EMI Calculator. For a full lifetime-cost model, use the Home Loan Total Cost Calculator.
Punjab National Bank Home Loan EMI Calculator — FAQ
What is the current PNB home loan interest rate?
PNB prices home loans off its External Benchmark Linked Rate (EBLR) = RBI Repo + bank spread. For salaried applicants with CIBIL 750+, rates typically start from 8.40% p.a. (FY 2026-27 — verify on pnbindia.in).
Is PNB cheaper than private banks for home loans?
Public Sector Banks (PNB / SBI / BoB / Canara) are usually 10-40 bps cheaper than private banks at the starting card rate, but the difference often disappears after processing fees, insurance tie-ins, and turnaround time. Compare the true APR.
How long does PNB take to approve a home loan?
10-21 business days end-to-end is typical for PSU banks — slower than private banks (7-14 days) due to document-verification protocols. Budget for this in your sale-deed timeline.
What are PNB processing fees?
Typically 0.35% of loan amount + GST, with a minimum of ₹2,500 and a maximum of ₹15,000. PNB often waives for Saraswat / government employees and during festive periods.
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