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Punjab National Bank ₹25 lakh Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.2%, the EMI is about ₹22,816 a month, with total interest of about ₹29,75,772.
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) | ₹22,816 | ₹29,75,772 | ₹54,75,772 |
| 9.7% | ₹23,631 | ₹31,71,381 | ₹56,71,381 |
| 10.2% | ₹24,458 | ₹33,69,859 | ₹58,69,859 |
| 10.7% | ₹25,296 | ₹35,71,101 | ₹60,71,101 |
| 11.2% | ₹26,146 | ₹37,75,004 | ₹62,75,004 |
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 | ₹45,683 | ₹2,28,106 | ₹2,73,789 | ₹24,54,317 |
| Year 2 | ₹50,068 | ₹2,23,721 | ₹2,73,789 | ₹24,04,249 |
| Year 3 | ₹54,873 | ₹2,18,915 | ₹2,73,789 | ₹23,49,376 |
| Year 4 | ₹60,140 | ₹2,13,649 | ₹2,73,789 | ₹22,89,236 |
| Year 5 | ₹65,912 | ₹2,07,876 | ₹2,73,789 | ₹22,23,324 |
| Year 6 | ₹72,238 | ₹2,01,550 | ₹2,73,789 | ₹21,51,085 |
| Year 7 | ₹79,172 | ₹1,94,617 | ₹2,73,789 | ₹20,71,913 |
| Year 8 | ₹86,771 | ₹1,87,018 | ₹2,73,789 | ₹19,85,143 |
| Year 9 | ₹95,099 | ₹1,78,689 | ₹2,73,789 | ₹18,90,043 |
| Year 10 | ₹1,04,227 | ₹1,69,562 | ₹2,73,789 | ₹17,85,817 |
| Year 11 | ₹1,14,231 | ₹1,59,558 | ₹2,73,789 | ₹16,71,586 |
| Year 12 | ₹1,25,194 | ₹1,48,594 | ₹2,73,789 | ₹15,46,392 |
| Year 13 | ₹1,37,211 | ₹1,36,578 | ₹2,73,789 | ₹14,09,181 |
| Year 14 | ₹1,50,380 | ₹1,23,409 | ₹2,73,789 | ₹12,58,801 |
| Year 15 | ₹1,64,814 | ₹1,08,975 | ₹2,73,789 | ₹10,93,988 |
| Year 16 | ₹1,80,632 | ₹93,156 | ₹2,73,789 | ₹9,13,355 |
| Year 17 | ₹1,97,970 | ₹75,819 | ₹2,73,789 | ₹7,15,386 |
| Year 18 | ₹2,16,971 | ₹56,818 | ₹2,73,789 | ₹4,98,415 |
| Year 19 | ₹2,37,796 | ₹35,993 | ₹2,73,789 | ₹2,60,619 |
| Year 20 | ₹2,60,619 | ₹13,169 | ₹2,73,789 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Punjab National Bank loan against property for 20 years?
At Punjab National Bank's starting rate of 9.2% the EMI is about ₹22,816 a month. If your offered rate is 10.2% it would be about ₹24,458.
How much total interest will I pay?
At 9.2% the total interest over 20 years is about ₹29,75,772, so you repay about ₹54,75,772 in all.