Home › Home Loan › Punjab National Bank › ₹50 lakh for 25 years
Punjab National Bank ₹50 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.45%, the EMI is about ₹36,787 a month, with total interest of about ₹60,36,129.
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) | ₹36,787 | ₹60,36,129 | ₹1,10,36,129 |
| 7.95% | ₹38,425 | ₹65,27,604 | ₹1,15,27,604 |
| 8.45% | ₹40,093 | ₹70,27,906 | ₹1,20,27,906 |
| 8.95% | ₹41,789 | ₹75,36,626 | ₹1,25,36,626 |
| 9.45% | ₹43,511 | ₹80,53,353 | ₹1,30,53,353 |
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 | ₹71,349 | ₹3,70,096 | ₹4,41,445 | ₹49,28,651 |
| Year 2 | ₹76,850 | ₹3,64,596 | ₹4,41,445 | ₹48,51,802 |
| Year 3 | ₹82,774 | ₹3,58,671 | ₹4,41,445 | ₹47,69,027 |
| Year 4 | ₹89,156 | ₹3,52,289 | ₹4,41,445 | ₹46,79,871 |
| Year 5 | ₹96,030 | ₹3,45,415 | ₹4,41,445 | ₹45,83,841 |
| Year 6 | ₹1,03,433 | ₹3,38,012 | ₹4,41,445 | ₹44,80,408 |
| Year 7 | ₹1,11,408 | ₹3,30,037 | ₹4,41,445 | ₹43,69,000 |
| Year 8 | ₹1,19,997 | ₹3,21,448 | ₹4,41,445 | ₹42,49,003 |
| Year 9 | ₹1,29,249 | ₹3,12,197 | ₹4,41,445 | ₹41,19,754 |
| Year 10 | ₹1,39,213 | ₹3,02,232 | ₹4,41,445 | ₹39,80,541 |
| Year 11 | ₹1,49,946 | ₹2,91,499 | ₹4,41,445 | ₹38,30,595 |
| Year 12 | ₹1,61,507 | ₹2,79,938 | ₹4,41,445 | ₹36,69,088 |
| Year 13 | ₹1,73,958 | ₹2,67,487 | ₹4,41,445 | ₹34,95,130 |
| Year 14 | ₹1,87,370 | ₹2,54,075 | ₹4,41,445 | ₹33,07,759 |
| Year 15 | ₹2,01,816 | ₹2,39,629 | ₹4,41,445 | ₹31,05,944 |
| Year 16 | ₹2,17,375 | ₹2,24,070 | ₹4,41,445 | ₹28,88,568 |
| Year 17 | ₹2,34,134 | ₹2,07,311 | ₹4,41,445 | ₹26,54,434 |
| Year 18 | ₹2,52,185 | ₹1,89,260 | ₹4,41,445 | ₹24,02,248 |
| Year 19 | ₹2,71,628 | ₹1,69,817 | ₹4,41,445 | ₹21,30,620 |
| Year 20 | ₹2,92,570 | ₹1,48,875 | ₹4,41,445 | ₹18,38,050 |
| Year 21 | ₹3,15,126 | ₹1,26,319 | ₹4,41,445 | ₹15,22,924 |
| Year 22 | ₹3,39,422 | ₹1,02,023 | ₹4,41,445 | ₹11,83,502 |
| Year 23 | ₹3,65,590 | ₹75,855 | ₹4,41,445 | ₹8,17,912 |
| Year 24 | ₹3,93,776 | ₹47,669 | ₹4,41,445 | ₹4,24,135 |
| Year 25 | ₹4,24,135 | ₹17,310 | ₹4,41,445 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Punjab National Bank home loan for 25 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹36,787 a month. If your offered rate is 8.45% it would be about ₹40,093.
How much total interest will I pay?
At 7.45% the total interest over 25 years is about ₹60,36,129, so you repay about ₹1,10,36,129 in all.