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Punjab National Bank ₹1 crore Home Loan EMI for 15 Years
At the advertised starting rate of 7.45%, the EMI is about ₹92,417 a month, with total interest of about ₹66,35,120.
Source: Punjab National Bank official page, checked on November 2026 (2026-11-01).
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 |
|---|---|---|---|
| 7.45% (starting) | ₹92,417 | ₹66,35,120 | ₹1,66,35,120 |
| 7.95% | ₹95,277 | ₹71,49,821 | ₹1,71,49,821 |
| 8.45% | ₹98,181 | ₹76,72,596 | ₹1,76,72,596 |
| 8.95% | ₹1,01,129 | ₹82,03,298 | ₹1,82,03,298 |
| 9.45% | ₹1,04,121 | ₹87,41,775 | ₹1,87,41,775 |
Year-by-year repayment schedule at 7.45%
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 | ₹3,76,698 | ₹7,32,310 | ₹11,09,008 | ₹96,23,302 |
| Year 2 | ₹4,05,741 | ₹7,03,267 | ₹11,09,008 | ₹92,17,561 |
| Year 3 | ₹4,37,022 | ₹6,71,986 | ₹11,09,008 | ₹87,80,539 |
| Year 4 | ₹4,70,715 | ₹6,38,293 | ₹11,09,008 | ₹83,09,824 |
| Year 5 | ₹5,07,006 | ₹6,02,002 | ₹11,09,008 | ₹78,02,818 |
| Year 6 | ₹5,46,095 | ₹5,62,913 | ₹11,09,008 | ₹72,56,723 |
| Year 7 | ₹5,88,197 | ₹5,20,811 | ₹11,09,008 | ₹66,68,526 |
| Year 8 | ₹6,33,546 | ₹4,75,462 | ₹11,09,008 | ₹60,34,980 |
| Year 9 | ₹6,82,390 | ₹4,26,618 | ₹11,09,008 | ₹53,52,590 |
| Year 10 | ₹7,35,001 | ₹3,74,007 | ₹11,09,008 | ₹46,17,589 |
| Year 11 | ₹7,91,667 | ₹3,17,341 | ₹11,09,008 | ₹38,25,921 |
| Year 12 | ₹8,52,703 | ₹2,56,305 | ₹11,09,008 | ₹29,73,219 |
| Year 13 | ₹9,18,444 | ₹1,90,564 | ₹11,09,008 | ₹20,54,775 |
| Year 14 | ₹9,89,253 | ₹1,19,755 | ₹11,09,008 | ₹10,65,522 |
| Year 15 | ₹10,65,522 | ₹43,486 | ₹11,09,008 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Punjab National Bank home loan for 15 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹92,417 a month. If your offered rate is 8.45% it would be about ₹98,181.
How much total interest will I pay?
At 7.45% the total interest over 15 years is about ₹66,35,120, so you repay about ₹1,66,35,120 in all.