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Punjab National Bank ₹25 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.2%, the EMI is about ₹25,655 a month, with total interest of about ₹21,17,894.
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) | ₹25,655 | ₹21,17,894 | ₹46,17,894 |
| 9.7% | ₹26,408 | ₹22,53,470 | ₹47,53,470 |
| 10.2% | ₹27,172 | ₹23,90,931 | ₹48,90,931 |
| 10.7% | ₹27,946 | ₹25,30,236 | ₹50,30,236 |
| 11.2% | ₹28,730 | ₹26,71,343 | ₹51,71,343 |
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 | ₹81,228 | ₹2,26,632 | ₹3,07,860 | ₹24,18,772 |
| Year 2 | ₹89,024 | ₹2,18,835 | ₹3,07,860 | ₹23,29,748 |
| Year 3 | ₹97,569 | ₹2,10,291 | ₹3,07,860 | ₹22,32,179 |
| Year 4 | ₹1,06,934 | ₹2,00,926 | ₹3,07,860 | ₹21,25,245 |
| Year 5 | ₹1,17,197 | ₹1,90,663 | ₹3,07,860 | ₹20,08,048 |
| Year 6 | ₹1,28,446 | ₹1,79,414 | ₹3,07,860 | ₹18,79,603 |
| Year 7 | ₹1,40,774 | ₹1,67,086 | ₹3,07,860 | ₹17,38,829 |
| Year 8 | ₹1,54,285 | ₹1,53,574 | ₹3,07,860 | ₹15,84,543 |
| Year 9 | ₹1,69,094 | ₹1,38,766 | ₹3,07,860 | ₹14,15,450 |
| Year 10 | ₹1,85,323 | ₹1,22,536 | ₹3,07,860 | ₹12,30,126 |
| Year 11 | ₹2,03,111 | ₹1,04,749 | ₹3,07,860 | ₹10,27,015 |
| Year 12 | ₹2,22,605 | ₹85,254 | ₹3,07,860 | ₹8,04,410 |
| Year 13 | ₹2,43,971 | ₹63,888 | ₹3,07,860 | ₹5,60,439 |
| Year 14 | ₹2,67,387 | ₹40,472 | ₹3,07,860 | ₹2,93,051 |
| Year 15 | ₹2,93,051 | ₹14,808 | ₹3,07,860 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Punjab National Bank loan against property for 15 years?
At Punjab National Bank's starting rate of 9.2% the EMI is about ₹25,655 a month. If your offered rate is 10.2% it would be about ₹27,172.
How much total interest will I pay?
At 9.2% the total interest over 15 years is about ₹21,17,894, so you repay about ₹46,17,894 in all.