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Punjab National Bank ₹75 lakh Home Loan EMI for 15 Years
At the advertised starting rate of 7.45%, the EMI is about ₹69,313 a month, with total interest of about ₹49,76,340.
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) | ₹69,313 | ₹49,76,340 | ₹1,24,76,340 |
| 7.95% | ₹71,458 | ₹53,62,366 | ₹1,28,62,366 |
| 8.45% | ₹73,636 | ₹57,54,447 | ₹1,32,54,447 |
| 8.95% | ₹75,847 | ₹61,52,474 | ₹1,36,52,474 |
| 9.45% | ₹78,091 | ₹65,56,331 | ₹1,40,56,331 |
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 | ₹2,82,524 | ₹5,49,232 | ₹8,31,756 | ₹72,17,476 |
| Year 2 | ₹3,04,305 | ₹5,27,451 | ₹8,31,756 | ₹69,13,171 |
| Year 3 | ₹3,27,767 | ₹5,03,989 | ₹8,31,756 | ₹65,85,404 |
| Year 4 | ₹3,53,036 | ₹4,78,720 | ₹8,31,756 | ₹62,32,368 |
| Year 5 | ₹3,80,255 | ₹4,51,501 | ₹8,31,756 | ₹58,52,113 |
| Year 6 | ₹4,09,571 | ₹4,22,185 | ₹8,31,756 | ₹54,42,542 |
| Year 7 | ₹4,41,148 | ₹3,90,608 | ₹8,31,756 | ₹50,01,394 |
| Year 8 | ₹4,75,159 | ₹3,56,597 | ₹8,31,756 | ₹45,26,235 |
| Year 9 | ₹5,11,793 | ₹3,19,963 | ₹8,31,756 | ₹40,14,442 |
| Year 10 | ₹5,51,251 | ₹2,80,505 | ₹8,31,756 | ₹34,63,192 |
| Year 11 | ₹5,93,750 | ₹2,38,006 | ₹8,31,756 | ₹28,69,441 |
| Year 12 | ₹6,39,527 | ₹1,92,229 | ₹8,31,756 | ₹22,29,914 |
| Year 13 | ₹6,88,833 | ₹1,42,923 | ₹8,31,756 | ₹15,41,081 |
| Year 14 | ₹7,41,940 | ₹89,816 | ₹8,31,756 | ₹7,99,141 |
| Year 15 | ₹7,99,141 | ₹32,615 | ₹8,31,756 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh Punjab National Bank home loan for 15 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹69,313 a month. If your offered rate is 8.45% it would be about ₹73,636.
How much total interest will I pay?
At 7.45% the total interest over 15 years is about ₹49,76,340, so you repay about ₹1,24,76,340 in all.