Home › Home Loan › Punjab National Bank › ₹30 lakh for 20 years
Punjab National Bank ₹30 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.45%, the EMI is about ₹24,076 a month, with total interest of about ₹27,78,278.
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) | ₹24,076 | ₹27,78,278 | ₹57,78,278 |
| 7.95% | ₹25,000 | ₹29,99,983 | ₹59,99,983 |
| 8.45% | ₹25,940 | ₹32,25,561 | ₹62,25,561 |
| 8.95% | ₹26,895 | ₹34,54,892 | ₹64,54,892 |
| 9.45% | ₹27,866 | ₹36,87,854 | ₹66,87,854 |
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 | ₹67,694 | ₹2,21,220 | ₹2,88,914 | ₹29,32,306 |
| Year 2 | ₹72,913 | ₹2,16,000 | ₹2,88,914 | ₹28,59,392 |
| Year 3 | ₹78,535 | ₹2,10,379 | ₹2,88,914 | ₹27,80,857 |
| Year 4 | ₹84,590 | ₹2,04,324 | ₹2,88,914 | ₹26,96,268 |
| Year 5 | ₹91,111 | ₹1,97,803 | ₹2,88,914 | ₹26,05,156 |
| Year 6 | ₹98,136 | ₹1,90,778 | ₹2,88,914 | ₹25,07,020 |
| Year 7 | ₹1,05,702 | ₹1,83,212 | ₹2,88,914 | ₹24,01,319 |
| Year 8 | ₹1,13,851 | ₹1,75,063 | ₹2,88,914 | ₹22,87,468 |
| Year 9 | ₹1,22,629 | ₹1,66,285 | ₹2,88,914 | ₹21,64,839 |
| Year 10 | ₹1,32,083 | ₹1,56,831 | ₹2,88,914 | ₹20,32,756 |
| Year 11 | ₹1,42,266 | ₹1,46,648 | ₹2,88,914 | ₹18,90,490 |
| Year 12 | ₹1,53,235 | ₹1,35,679 | ₹2,88,914 | ₹17,37,255 |
| Year 13 | ₹1,65,049 | ₹1,23,865 | ₹2,88,914 | ₹15,72,207 |
| Year 14 | ₹1,77,773 | ₹1,11,141 | ₹2,88,914 | ₹13,94,433 |
| Year 15 | ₹1,91,479 | ₹97,435 | ₹2,88,914 | ₹12,02,954 |
| Year 16 | ₹2,06,242 | ₹82,672 | ₹2,88,914 | ₹9,96,712 |
| Year 17 | ₹2,22,142 | ₹66,772 | ₹2,88,914 | ₹7,74,570 |
| Year 18 | ₹2,39,269 | ₹49,645 | ₹2,88,914 | ₹5,35,301 |
| Year 19 | ₹2,57,716 | ₹31,198 | ₹2,88,914 | ₹2,77,585 |
| Year 20 | ₹2,77,585 | ₹11,329 | ₹2,88,914 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh Punjab National Bank home loan for 20 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹24,076 a month. If your offered rate is 8.45% it would be about ₹25,940.
How much total interest will I pay?
At 7.45% the total interest over 20 years is about ₹27,78,278, so you repay about ₹57,78,278 in all.