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Punjab National Bank ₹1 crore Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.2%, the EMI is about ₹91,263 a month, with total interest of about ₹1,19,03,089.
Source: Punjab National Bank official page, checked 2 November 2026.
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 |
|---|---|---|---|
| 9.2% (starting) | ₹91,263 | ₹1,19,03,089 | ₹2,19,03,089 |
| 9.7% | ₹94,523 | ₹1,26,85,523 | ₹2,26,85,523 |
| 10.2% | ₹97,831 | ₹1,34,79,435 | ₹2,34,79,435 |
| 10.7% | ₹1,01,185 | ₹1,42,84,406 | ₹2,42,84,406 |
| 11.2% | ₹1,04,583 | ₹1,51,00,015 | ₹2,51,00,015 |
Year-by-year repayment schedule at 9.2%
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 | ₹1,82,732 | ₹9,12,422 | ₹10,95,154 | ₹98,17,268 |
| Year 2 | ₹2,00,271 | ₹8,94,884 | ₹10,95,154 | ₹96,16,997 |
| Year 3 | ₹2,19,493 | ₹8,75,662 | ₹10,95,154 | ₹93,97,504 |
| Year 4 | ₹2,40,560 | ₹8,54,595 | ₹10,95,154 | ₹91,56,944 |
| Year 5 | ₹2,63,649 | ₹8,31,506 | ₹10,95,154 | ₹88,93,295 |
| Year 6 | ₹2,88,954 | ₹8,06,201 | ₹10,95,154 | ₹86,04,342 |
| Year 7 | ₹3,16,688 | ₹7,78,467 | ₹10,95,154 | ₹82,87,654 |
| Year 8 | ₹3,47,084 | ₹7,48,071 | ₹10,95,154 | ₹79,40,570 |
| Year 9 | ₹3,80,397 | ₹7,14,758 | ₹10,95,154 | ₹75,60,174 |
| Year 10 | ₹4,16,907 | ₹6,78,247 | ₹10,95,154 | ₹71,43,266 |
| Year 11 | ₹4,56,922 | ₹6,38,232 | ₹10,95,154 | ₹66,86,344 |
| Year 12 | ₹5,00,778 | ₹5,94,377 | ₹10,95,154 | ₹61,85,567 |
| Year 13 | ₹5,48,842 | ₹5,46,312 | ₹10,95,154 | ₹56,36,725 |
| Year 14 | ₹6,01,520 | ₹4,93,634 | ₹10,95,154 | ₹50,35,204 |
| Year 15 | ₹6,59,254 | ₹4,35,900 | ₹10,95,154 | ₹43,75,950 |
| Year 16 | ₹7,22,530 | ₹3,72,625 | ₹10,95,154 | ₹36,53,420 |
| Year 17 | ₹7,91,878 | ₹3,03,276 | ₹10,95,154 | ₹28,61,542 |
| Year 18 | ₹8,67,883 | ₹2,27,272 | ₹10,95,154 | ₹19,93,659 |
| Year 19 | ₹9,51,182 | ₹1,43,972 | ₹10,95,154 | ₹10,42,477 |
| Year 20 | ₹10,42,477 | ₹52,677 | ₹10,95,154 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Punjab National Bank loan against property for 20 years?
At Punjab National Bank's starting rate of 9.2% the EMI is about ₹91,263 a month. If your offered rate is 10.2% it would be about ₹97,831.
How much total interest will I pay?
At 9.2% the total interest over 20 years is about ₹1,19,03,089, so you repay about ₹2,19,03,089 in all.