PNB Home Loan EMI Calculator
Preset to PNB's current home loan emi rate of 8.35%. Change any value to see your own numbers.
- Current rate 8.35%
- Range 8.35–9.00%
- Rank #1 of 7 banks
- Verified 16 July 2026
PNB Home Loan EMI Calculator
- Principal₹50,00,000
- Total interest₹53,00,235
- Total payment₹1,03,00,235
Where your money goes
- Principal ₹50,00,000
- Interest ₹53,00,235
Amortization schedule — year by year
| Year | Principal paid | Interest paid | Balance left |
|---|---|---|---|
| 1 | ₹1,01,332 | ₹4,13,680 | ₹48,98,668 |
| 2 | ₹1,10,124 | ₹4,04,888 | ₹47,88,544 |
| 3 | ₹1,19,680 | ₹3,95,332 | ₹46,68,864 |
| 4 | ₹1,30,065 | ₹3,84,947 | ₹45,38,800 |
| 5 | ₹1,41,350 | ₹3,73,661 | ₹43,97,450 |
| 6 | ₹1,53,615 | ₹3,61,396 | ₹42,43,834 |
| 7 | ₹1,66,945 | ₹3,48,067 | ₹40,76,889 |
| 8 | ₹1,81,431 | ₹3,33,581 | ₹38,95,459 |
| 9 | ₹1,97,174 | ₹3,17,838 | ₹36,98,285 |
| 10 | ₹2,14,283 | ₹3,00,729 | ₹34,84,002 |
| 11 | ₹2,32,876 | ₹2,82,136 | ₹32,51,126 |
| 12 | ₹2,53,083 | ₹2,61,929 | ₹29,98,043 |
| 13 | ₹2,75,043 | ₹2,39,969 | ₹27,23,000 |
| 14 | ₹2,98,909 | ₹2,16,103 | ₹24,24,091 |
| 15 | ₹3,24,846 | ₹1,90,166 | ₹20,99,246 |
| 16 | ₹3,53,033 | ₹1,61,979 | ₹17,46,213 |
| 17 | ₹3,83,666 | ₹1,31,346 | ₹13,62,547 |
| 18 | ₹4,16,957 | ₹98,055 | ₹9,45,591 |
| 19 | ₹4,53,136 | ₹61,875 | ₹4,92,454 |
| 20 | ₹4,92,454 | ₹22,556 | ₹0 |
PNB home loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| CIBIL ≥ 800 | 8.35% |
| CIBIL 750–799 | 8.55% |
| CIBIL 700–749 | 8.75% |
| CIBIL below 700 / self-employed | 9.00% |
This Home Loan calculator is preset to Punjab National Bank's current 8.35% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real PNB loan — change the amount or tenure to match yours.
PNB's home loan rates run from 8.35% to 9.00% depending on your profile and loan size. Below is PNB's full rate table, the fees and rules that actually apply, and how PNB compares with the 7 banks we track — the one thing no bank's own page will show you.
PNB home loan — key facts
- Home loan rates are linked to PNB's Repo Linked Lending Rate (RLLR), so EMIs move with RBI repo changes.
- Floating-rate home loans to individual borrowers carry no prepayment or foreclosure charges.
- Women borrowers are typically offered a concession of 0.05% on the applicable rate.
- Processing-fee waiver campaigns are periodically offered under PNB's retail home-loan schemes.
How PNB compares
PNB has the lowest home loan rate of the 7 banks we track.
PNB home loan FAQs
What is PNB's home loan interest rate in 2026?
Punjab National Bank offers home loan rates from 8.35% to 9% (indicative headline 8.35%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a PNB home loan?
The processing fee is 0.35% of the loan amount (max ₹15,000) + GST; often waived during campaigns. Home loan rates are linked to PNB's Repo Linked Lending Rate (RLLR), so EMIs move with RBI repo changes.
Can I prepay or foreclose my PNB home loan early?
Floating-rate home loans to individual borrowers carry no prepayment or foreclosure charges.
How is the EMI on a PNB home loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 8.35% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.