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Punjab National Bank ₹1 crore Home Loan EMI for 20 Years
At the advertised starting rate of 7.45%, the EMI is about ₹80,254 a month, with total interest of about ₹92,60,927.
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) | ₹80,254 | ₹92,60,927 | ₹1,92,60,927 |
| 7.95% | ₹83,333 | ₹99,99,943 | ₹1,99,99,943 |
| 8.45% | ₹86,466 | ₹1,07,51,870 | ₹2,07,51,870 |
| 8.95% | ₹89,651 | ₹1,15,16,307 | ₹2,15,16,307 |
| 9.45% | ₹92,887 | ₹1,22,92,845 | ₹2,22,92,845 |
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 | ₹2,25,648 | ₹7,37,398 | ₹9,63,046 | ₹97,74,352 |
| Year 2 | ₹2,43,045 | ₹7,20,002 | ₹9,63,046 | ₹95,31,307 |
| Year 3 | ₹2,61,783 | ₹7,01,263 | ₹9,63,046 | ₹92,69,524 |
| Year 4 | ₹2,81,966 | ₹6,81,081 | ₹9,63,046 | ₹89,87,559 |
| Year 5 | ₹3,03,704 | ₹6,59,342 | ₹9,63,046 | ₹86,83,854 |
| Year 6 | ₹3,27,119 | ₹6,35,927 | ₹9,63,046 | ₹83,56,735 |
| Year 7 | ₹3,52,339 | ₹6,10,707 | ₹9,63,046 | ₹80,04,396 |
| Year 8 | ₹3,79,504 | ₹5,83,543 | ₹9,63,046 | ₹76,24,892 |
| Year 9 | ₹4,08,762 | ₹5,54,284 | ₹9,63,046 | ₹72,16,130 |
| Year 10 | ₹4,40,277 | ₹5,22,770 | ₹9,63,046 | ₹67,75,853 |
| Year 11 | ₹4,74,221 | ₹4,88,826 | ₹9,63,046 | ₹63,01,632 |
| Year 12 | ₹5,10,782 | ₹4,52,264 | ₹9,63,046 | ₹57,90,850 |
| Year 13 | ₹5,50,162 | ₹4,12,885 | ₹9,63,046 | ₹52,40,689 |
| Year 14 | ₹5,92,578 | ₹3,70,469 | ₹9,63,046 | ₹46,48,111 |
| Year 15 | ₹6,38,264 | ₹3,24,782 | ₹9,63,046 | ₹40,09,847 |
| Year 16 | ₹6,87,472 | ₹2,75,574 | ₹9,63,046 | ₹33,22,374 |
| Year 17 | ₹7,40,475 | ₹2,22,572 | ₹9,63,046 | ₹25,81,900 |
| Year 18 | ₹7,97,563 | ₹1,65,483 | ₹9,63,046 | ₹17,84,337 |
| Year 19 | ₹8,59,053 | ₹1,03,993 | ₹9,63,046 | ₹9,25,284 |
| Year 20 | ₹9,25,284 | ₹37,763 | ₹9,63,046 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Punjab National Bank home loan for 20 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹80,254 a month. If your offered rate is 8.45% it would be about ₹86,466.
How much total interest will I pay?
At 7.45% the total interest over 20 years is about ₹92,60,927, so you repay about ₹1,92,60,927 in all.