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Punjab National Bank ₹50 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.45%, the EMI is about ₹40,127 a month, with total interest of about ₹46,30,464.
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) | ₹40,127 | ₹46,30,464 | ₹96,30,464 |
| 7.95% | ₹41,667 | ₹49,99,972 | ₹99,99,972 |
| 8.45% | ₹43,233 | ₹53,75,935 | ₹1,03,75,935 |
| 8.95% | ₹44,826 | ₹57,58,153 | ₹1,07,58,153 |
| 9.45% | ₹46,443 | ₹61,46,423 | ₹1,11,46,423 |
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 | ₹1,12,824 | ₹3,68,699 | ₹4,81,523 | ₹48,87,176 |
| Year 2 | ₹1,21,522 | ₹3,60,001 | ₹4,81,523 | ₹47,65,654 |
| Year 3 | ₹1,30,891 | ₹3,50,632 | ₹4,81,523 | ₹46,34,762 |
| Year 4 | ₹1,40,983 | ₹3,40,540 | ₹4,81,523 | ₹44,93,779 |
| Year 5 | ₹1,51,852 | ₹3,29,671 | ₹4,81,523 | ₹43,41,927 |
| Year 6 | ₹1,63,560 | ₹3,17,964 | ₹4,81,523 | ₹41,78,367 |
| Year 7 | ₹1,76,170 | ₹3,05,354 | ₹4,81,523 | ₹40,02,198 |
| Year 8 | ₹1,89,752 | ₹2,91,771 | ₹4,81,523 | ₹38,12,446 |
| Year 9 | ₹2,04,381 | ₹2,77,142 | ₹4,81,523 | ₹36,08,065 |
| Year 10 | ₹2,20,138 | ₹2,61,385 | ₹4,81,523 | ₹33,87,927 |
| Year 11 | ₹2,37,110 | ₹2,44,413 | ₹4,81,523 | ₹31,50,816 |
| Year 12 | ₹2,55,391 | ₹2,26,132 | ₹4,81,523 | ₹28,95,425 |
| Year 13 | ₹2,75,081 | ₹2,06,442 | ₹4,81,523 | ₹26,20,344 |
| Year 14 | ₹2,96,289 | ₹1,85,234 | ₹4,81,523 | ₹23,24,055 |
| Year 15 | ₹3,19,132 | ₹1,62,391 | ₹4,81,523 | ₹20,04,923 |
| Year 16 | ₹3,43,736 | ₹1,37,787 | ₹4,81,523 | ₹16,61,187 |
| Year 17 | ₹3,70,237 | ₹1,11,286 | ₹4,81,523 | ₹12,90,950 |
| Year 18 | ₹3,98,782 | ₹82,742 | ₹4,81,523 | ₹8,92,168 |
| Year 19 | ₹4,29,527 | ₹51,997 | ₹4,81,523 | ₹4,62,642 |
| Year 20 | ₹4,62,642 | ₹18,881 | ₹4,81,523 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Punjab National Bank home loan for 20 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹40,127 a month. If your offered rate is 8.45% it would be about ₹43,233.
How much total interest will I pay?
At 7.45% the total interest over 20 years is about ₹46,30,464, so you repay about ₹96,30,464 in all.