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Punjab National Bank ₹30 lakh Education Loan EMI for 10 Years
At the advertised starting rate of 7.1%, the EMI is about ₹34,987 a month, with total interest of about ₹11,98,483.
Source: Punjab National Bank official page, checked 2 November 2026.
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 7.1% (starting) | ₹34,987 | ₹11,98,483 | ₹41,98,483 |
| 7.6% | ₹35,767 | ₹12,92,076 | ₹42,92,076 |
| 8.1% | ₹36,557 | ₹13,86,839 | ₹43,86,839 |
| 8.6% | ₹37,356 | ₹14,82,762 | ₹44,82,762 |
| 9.1% | ₹38,165 | ₹15,79,834 | ₹45,79,834 |
Year-by-year repayment schedule at 7.1%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹2,13,714 | ₹2,06,134 | ₹4,19,848 | ₹27,86,286 |
| Year 2 | ₹2,29,391 | ₹1,90,457 | ₹4,19,848 | ₹25,56,895 |
| Year 3 | ₹2,46,219 | ₹1,73,630 | ₹4,19,848 | ₹23,10,676 |
| Year 4 | ₹2,64,281 | ₹1,55,568 | ₹4,19,848 | ₹20,46,395 |
| Year 5 | ₹2,83,667 | ₹1,36,181 | ₹4,19,848 | ₹17,62,728 |
| Year 6 | ₹3,04,476 | ₹1,15,372 | ₹4,19,848 | ₹14,58,252 |
| Year 7 | ₹3,26,811 | ₹93,037 | ₹4,19,848 | ₹11,31,441 |
| Year 8 | ₹3,50,785 | ₹69,063 | ₹4,19,848 | ₹7,80,655 |
| Year 9 | ₹3,76,518 | ₹43,331 | ₹4,19,848 | ₹4,04,138 |
| Year 10 | ₹4,04,138 | ₹15,711 | ₹4,19,848 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh Punjab National Bank education loan for 10 years?
At Punjab National Bank's starting rate of 7.1% the EMI is about ₹34,987 a month. If your offered rate is 8.1% it would be about ₹36,557.
How much total interest will I pay?
At 7.1% the total interest over 10 years is about ₹11,98,483, so you repay about ₹41,98,483 in all.