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Punjab National Bank ₹50 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.2%, the EMI is about ₹51,310 a month, with total interest of about ₹42,35,787.
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) | ₹51,310 | ₹42,35,787 | ₹92,35,787 |
| 9.7% | ₹52,816 | ₹45,06,940 | ₹95,06,940 |
| 10.2% | ₹54,344 | ₹47,81,862 | ₹97,81,862 |
| 10.7% | ₹55,892 | ₹50,60,471 | ₹1,00,60,471 |
| 11.2% | ₹57,459 | ₹53,42,685 | ₹1,03,42,685 |
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 | ₹1,62,456 | ₹4,53,263 | ₹6,15,719 | ₹48,37,544 |
| Year 2 | ₹1,78,049 | ₹4,37,671 | ₹6,15,719 | ₹46,59,495 |
| Year 3 | ₹1,95,138 | ₹4,20,581 | ₹6,15,719 | ₹44,64,358 |
| Year 4 | ₹2,13,867 | ₹4,01,852 | ₹6,15,719 | ₹42,50,491 |
| Year 5 | ₹2,34,394 | ₹3,81,325 | ₹6,15,719 | ₹40,16,096 |
| Year 6 | ₹2,56,891 | ₹3,58,828 | ₹6,15,719 | ₹37,59,205 |
| Year 7 | ₹2,81,548 | ₹3,34,171 | ₹6,15,719 | ₹34,77,657 |
| Year 8 | ₹3,08,571 | ₹3,07,148 | ₹6,15,719 | ₹31,69,087 |
| Year 9 | ₹3,38,187 | ₹2,77,532 | ₹6,15,719 | ₹28,30,899 |
| Year 10 | ₹3,70,647 | ₹2,45,072 | ₹6,15,719 | ₹24,60,252 |
| Year 11 | ₹4,06,222 | ₹2,09,498 | ₹6,15,719 | ₹20,54,031 |
| Year 12 | ₹4,45,211 | ₹1,70,508 | ₹6,15,719 | ₹16,08,820 |
| Year 13 | ₹4,87,942 | ₹1,27,777 | ₹6,15,719 | ₹11,20,878 |
| Year 14 | ₹5,34,775 | ₹80,944 | ₹6,15,719 | ₹5,86,103 |
| Year 15 | ₹5,86,103 | ₹29,616 | ₹6,15,719 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Punjab National Bank loan against property for 15 years?
At Punjab National Bank's starting rate of 9.2% the EMI is about ₹51,310 a month. If your offered rate is 10.2% it would be about ₹54,344.
How much total interest will I pay?
At 9.2% the total interest over 15 years is about ₹42,35,787, so you repay about ₹92,35,787 in all.