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Punjab National Bank ₹75 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 7.45%, the EMI is about ₹60,190 a month, with total interest of about ₹69,45,695.
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) | ₹60,190 | ₹69,45,695 | ₹1,44,45,695 |
| 7.95% | ₹62,500 | ₹74,99,958 | ₹1,49,99,958 |
| 8.45% | ₹64,850 | ₹80,63,903 | ₹1,55,63,903 |
| 8.95% | ₹67,238 | ₹86,37,230 | ₹1,61,37,230 |
| 9.45% | ₹69,665 | ₹92,19,634 | ₹1,67,19,634 |
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 | ₹1,69,236 | ₹5,53,049 | ₹7,22,285 | ₹73,30,764 |
| Year 2 | ₹1,82,284 | ₹5,40,001 | ₹7,22,285 | ₹71,48,480 |
| Year 3 | ₹1,96,337 | ₹5,25,948 | ₹7,22,285 | ₹69,52,143 |
| Year 4 | ₹2,11,474 | ₹5,10,811 | ₹7,22,285 | ₹67,40,669 |
| Year 5 | ₹2,27,778 | ₹4,94,506 | ₹7,22,285 | ₹65,12,891 |
| Year 6 | ₹2,45,339 | ₹4,76,945 | ₹7,22,285 | ₹62,67,551 |
| Year 7 | ₹2,64,254 | ₹4,58,030 | ₹7,22,285 | ₹60,03,297 |
| Year 8 | ₹2,84,628 | ₹4,37,657 | ₹7,22,285 | ₹57,18,669 |
| Year 9 | ₹3,06,572 | ₹4,15,713 | ₹7,22,285 | ₹54,12,097 |
| Year 10 | ₹3,30,208 | ₹3,92,077 | ₹7,22,285 | ₹50,81,890 |
| Year 11 | ₹3,55,666 | ₹3,66,619 | ₹7,22,285 | ₹47,26,224 |
| Year 12 | ₹3,83,086 | ₹3,39,198 | ₹7,22,285 | ₹43,43,138 |
| Year 13 | ₹4,12,621 | ₹3,09,663 | ₹7,22,285 | ₹39,30,516 |
| Year 14 | ₹4,44,433 | ₹2,77,851 | ₹7,22,285 | ₹34,86,083 |
| Year 15 | ₹4,78,698 | ₹2,43,587 | ₹7,22,285 | ₹30,07,385 |
| Year 16 | ₹5,15,604 | ₹2,06,681 | ₹7,22,285 | ₹24,91,781 |
| Year 17 | ₹5,55,356 | ₹1,66,929 | ₹7,22,285 | ₹19,36,425 |
| Year 18 | ₹5,98,172 | ₹1,24,112 | ₹7,22,285 | ₹13,38,253 |
| Year 19 | ₹6,44,290 | ₹77,995 | ₹7,22,285 | ₹6,93,963 |
| Year 20 | ₹6,93,963 | ₹28,322 | ₹7,22,285 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh Punjab National Bank home loan for 20 years?
At Punjab National Bank's starting rate of 7.45% the EMI is about ₹60,190 a month. If your offered rate is 8.45% it would be about ₹64,850.
How much total interest will I pay?
At 7.45% the total interest over 20 years is about ₹69,45,695, so you repay about ₹1,44,45,695 in all.