PNB Personal Loan EMI Calculator
Preset to PNB's current personal loan emi rate of 11.4%. Change any value to see your own numbers.
- Current rate 11.40%
- Range 11.40–13.50%
- Rank #7 of 8 banks
- Verified 16 July 2026
PNB Personal Loan EMI Calculator
- Principal₹5,00,000
- Total interest₹1,58,273
- Total payment₹6,58,273
Where your money goes
- Principal ₹5,00,000
- Interest ₹1,58,273
PNB personal loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Government / PSU salaried | 11.40% |
| Pensioners (PNB scheme) | 11.75% |
| Salaried, private sector | 12.65% |
| Other eligible applicants | 13.50% |
This Personal Loan calculator is preset to Punjab National Bank's current 11.4% 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 personal loan rates run from 11.40% to 13.50% 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 8 banks we track — the one thing no bank's own page will show you.
PNB personal loan — key facts
- Personal loan interest is linked to PNB's RLLR plus a scheme-specific spread.
- Government and PSU employees are typically offered the most favourable rates and higher eligibility.
- Repayment tenure extends up to 6 years (72 months) for salaried borrowers.
- Pensioners drawing their pension through PNB have a dedicated personal-loan scheme.
How PNB compares
PNB's personal loan rate is above the category median. HDFC is cheaper at 10.75%.
PNB personal loan FAQs
What is PNB's personal loan interest rate in 2026?
Punjab National Bank offers personal loan rates from 11.4% to 13.5% (indicative headline 11.4%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a PNB personal loan?
The processing fee is 1% of the loan amount + GST. Personal loan interest is linked to PNB's RLLR plus a scheme-specific spread.
Can I prepay or foreclose my PNB personal loan early?
Government and PSU employees are typically offered the most favourable rates and higher eligibility.
How is the EMI on a PNB personal 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 11.4% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.