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Punjab National Bank ₹50 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 7.45%, the EMI is about ₹46,209 a month, with total interest of about ₹33,17,560.
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) | ₹46,209 | ₹33,17,560 | ₹83,17,560 |
| 7.95% | ₹47,638 | ₹35,74,910 | ₹85,74,910 |
| 8.45% | ₹49,091 | ₹38,36,298 | ₹88,36,298 |
| 8.95% | ₹50,565 | ₹41,01,649 | ₹91,01,649 |
| 9.45% | ₹52,060 | ₹43,70,887 | ₹93,70,887 |
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 | ₹1,88,349 | ₹3,66,155 | ₹5,54,504 | ₹48,11,651 |
| Year 2 | ₹2,02,870 | ₹3,51,634 | ₹5,54,504 | ₹46,08,781 |
| Year 3 | ₹2,18,511 | ₹3,35,993 | ₹5,54,504 | ₹43,90,270 |
| Year 4 | ₹2,35,358 | ₹3,19,146 | ₹5,54,504 | ₹41,54,912 |
| Year 5 | ₹2,53,503 | ₹3,01,001 | ₹5,54,504 | ₹39,01,409 |
| Year 6 | ₹2,73,047 | ₹2,81,457 | ₹5,54,504 | ₹36,28,361 |
| Year 7 | ₹2,94,099 | ₹2,60,405 | ₹5,54,504 | ₹33,34,263 |
| Year 8 | ₹3,16,773 | ₹2,37,731 | ₹5,54,504 | ₹30,17,490 |
| Year 9 | ₹3,41,195 | ₹2,13,309 | ₹5,54,504 | ₹26,76,295 |
| Year 10 | ₹3,67,500 | ₹1,87,004 | ₹5,54,504 | ₹23,08,794 |
| Year 11 | ₹3,95,834 | ₹1,58,670 | ₹5,54,504 | ₹19,12,961 |
| Year 12 | ₹4,26,351 | ₹1,28,153 | ₹5,54,504 | ₹14,86,609 |
| Year 13 | ₹4,59,222 | ₹95,282 | ₹5,54,504 | ₹10,27,388 |
| Year 14 | ₹4,94,627 | ₹59,877 | ₹5,54,504 | ₹5,32,761 |
| Year 15 | ₹5,32,761 | ₹21,743 | ₹5,54,504 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Punjab National Bank home loan for 15 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹46,209 a month. If your offered rate is 8.45% it would be about ₹49,091.
How much total interest will I pay?
At 7.45% the total interest over 15 years is about ₹33,17,560, so you repay about ₹83,17,560 in all.