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Punjab National Bank ₹25 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.2%, the EMI is about ₹31,940 a month, with total interest of about ₹13,32,821.
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) | ₹31,940 | ₹13,32,821 | ₹38,32,821 |
| 9.7% | ₹32,624 | ₹14,14,852 | ₹39,14,852 |
| 10.2% | ₹33,315 | ₹14,97,822 | ₹39,97,822 |
| 10.7% | ₹34,014 | ₹15,81,720 | ₹40,81,720 |
| 11.2% | ₹34,721 | ₹16,66,537 | ₹41,66,537 |
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 | ₹1,59,914 | ₹2,23,369 | ₹3,83,282 | ₹23,40,086 |
| Year 2 | ₹1,75,262 | ₹2,08,020 | ₹3,83,282 | ₹21,64,824 |
| Year 3 | ₹1,92,084 | ₹1,91,198 | ₹3,83,282 | ₹19,72,741 |
| Year 4 | ₹2,10,520 | ₹1,72,762 | ₹3,83,282 | ₹17,62,221 |
| Year 5 | ₹2,30,726 | ₹1,52,556 | ₹3,83,282 | ₹15,31,495 |
| Year 6 | ₹2,52,871 | ₹1,30,411 | ₹3,83,282 | ₹12,78,624 |
| Year 7 | ₹2,77,141 | ₹1,06,141 | ₹3,83,282 | ₹10,01,482 |
| Year 8 | ₹3,03,742 | ₹79,541 | ₹3,83,282 | ₹6,97,741 |
| Year 9 | ₹3,32,895 | ₹50,387 | ₹3,83,282 | ₹3,64,846 |
| Year 10 | ₹3,64,846 | ₹18,436 | ₹3,83,282 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Punjab National Bank loan against property for 10 years?
At Punjab National Bank's starting rate of 9.2% the EMI is about ₹31,940 a month. If your offered rate is 10.2% it would be about ₹33,315.
How much total interest will I pay?
At 9.2% the total interest over 10 years is about ₹13,32,821, so you repay about ₹38,32,821 in all.