PNB home loan EMI calculator
This calculator starts at PNB's lowest published rate of 7.5%, so the first EMI you see is the best case. Its published range runs from 7.5% to 9.35%. The processing fee is 0.35% of loan, min Rs 2,500, max Rs 15,000, and the longest tenure is 30 years. Your own rate depends on your credit score, income, loan amount and property type. It can be higher than the starting rate. A longer tenure lowers the EMI but raises the total interest, so try a few combinations below. The table shows the monthly EMI at 7.5% for common loan amounts and tenures. We collected these figures from public sources on 2026-10-26. Banks change rates often, so confirm with PNB before you apply. If you already pay a floating rate with PNB or another lender, our guide on lowering your rate lists your options.
Indicative, updated 2026-10-26. Source
₹50 L
- Principal amount
- Total interest
- Monthly EMI
- ₹40,280
- Principal amount
- ₹50,00,000
- Total interest
- ₹46,67,118
- Total amount
- ₹96,67,118
You'll pay ₹46.67 L interest on a ₹50 L loan.
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Worth knowing
Interest vs loan
You repay 0.93× your loan in interest alone.
When it tips
From year 12, more of each EMI repays the loan than pays interest.
One extra EMI a year
Pay one extra EMI each year to save ₹8.01 L and finish 3 years sooner.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹25 L | ₹29,675 | ₹23,175 | ₹20,140 | ₹18,475 | ₹17,480 |
| ₹50 L | ₹59,351 | ₹46,351 | ₹40,280 | ₹36,950 | ₹34,961 |
| ₹75 L | ₹89,026 | ₹69,526 | ₹60,419 | ₹55,424 | ₹52,441 |
| ₹1 Cr | ₹1,18,702 | ₹92,701 | ₹80,559 | ₹73,899 | ₹69,921 |
Common questions
- What is the PNB home loan interest rate?
- PNB home loan rates start at 7.5%. Its published range runs from 7.5% to 9.35%. Your rate depends on your credit score, loan size and income.
- What is the PNB processing fee?
- The published fee is 0.35% of loan, min Rs 2,500, max Rs 15,000. Fees and taxes change, so ask PNB for the current figure before you apply.
- What is the longest home loan tenure at PNB?
- Up to 30 years, subject to your age and the bank's policy. A longer tenure gives a lower EMI but more total interest.
- Will I get the starting rate?
- Not always. The starting rate usually goes to borrowers with a strong credit score and stable income. Use the calculator to test a higher rate and see how the EMI changes.