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Punjab National Bank ₹20 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.45%, the EMI is about ₹16,051 a month, with total interest of about ₹18,52,185.
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) | ₹16,051 | ₹18,52,185 | ₹38,52,185 |
| 7.95% | ₹16,667 | ₹19,99,989 | ₹39,99,989 |
| 8.45% | ₹17,293 | ₹21,50,374 | ₹41,50,374 |
| 8.95% | ₹17,930 | ₹23,03,261 | ₹43,03,261 |
| 9.45% | ₹18,577 | ₹24,58,569 | ₹44,58,569 |
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 | ₹45,130 | ₹1,47,480 | ₹1,92,609 | ₹19,54,870 |
| Year 2 | ₹48,609 | ₹1,44,000 | ₹1,92,609 | ₹19,06,261 |
| Year 3 | ₹52,357 | ₹1,40,253 | ₹1,92,609 | ₹18,53,905 |
| Year 4 | ₹56,393 | ₹1,36,216 | ₹1,92,609 | ₹17,97,512 |
| Year 5 | ₹60,741 | ₹1,31,868 | ₹1,92,609 | ₹17,36,771 |
| Year 6 | ₹65,424 | ₹1,27,185 | ₹1,92,609 | ₹16,71,347 |
| Year 7 | ₹70,468 | ₹1,22,141 | ₹1,92,609 | ₹16,00,879 |
| Year 8 | ₹75,901 | ₹1,16,709 | ₹1,92,609 | ₹15,24,978 |
| Year 9 | ₹81,752 | ₹1,10,857 | ₹1,92,609 | ₹14,43,226 |
| Year 10 | ₹88,055 | ₹1,04,554 | ₹1,92,609 | ₹13,55,171 |
| Year 11 | ₹94,844 | ₹97,765 | ₹1,92,609 | ₹12,60,326 |
| Year 12 | ₹1,02,156 | ₹90,453 | ₹1,92,609 | ₹11,58,170 |
| Year 13 | ₹1,10,032 | ₹82,577 | ₹1,92,609 | ₹10,48,138 |
| Year 14 | ₹1,18,516 | ₹74,094 | ₹1,92,609 | ₹9,29,622 |
| Year 15 | ₹1,27,653 | ₹64,956 | ₹1,92,609 | ₹8,01,969 |
| Year 16 | ₹1,37,494 | ₹55,115 | ₹1,92,609 | ₹6,64,475 |
| Year 17 | ₹1,48,095 | ₹44,514 | ₹1,92,609 | ₹5,16,380 |
| Year 18 | ₹1,59,513 | ₹33,097 | ₹1,92,609 | ₹3,56,867 |
| Year 19 | ₹1,71,811 | ₹20,799 | ₹1,92,609 | ₹1,85,057 |
| Year 20 | ₹1,85,057 | ₹7,553 | ₹1,92,609 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh Punjab National Bank home loan for 20 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹16,051 a month. If your offered rate is 8.45% it would be about ₹17,293.
How much total interest will I pay?
At 7.45% the total interest over 20 years is about ₹18,52,185, so you repay about ₹38,52,185 in all.