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Punjab National Bank ₹10 lakh Personal Loan EMI for 2 Years
At the advertised starting rate of 10.85%, the EMI is about ₹46,538 a month, with total interest of about ₹1,16,917.
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 |
|---|---|---|---|
| 10.85% (starting) | ₹46,538 | ₹1,16,917 | ₹11,16,917 |
| 11.35% | ₹46,771 | ₹1,22,492 | ₹11,22,492 |
| 11.85% | ₹47,003 | ₹1,28,083 | ₹11,28,083 |
| 12.35% | ₹47,237 | ₹1,33,690 | ₹11,33,690 |
| 12.85% | ₹47,471 | ₹1,39,314 | ₹11,39,314 |
Year-by-year repayment schedule at 10.85%
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 | ₹4,73,023 | ₹85,436 | ₹5,58,459 | ₹5,26,977 |
| Year 2 | ₹5,26,977 | ₹31,482 | ₹5,58,459 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Punjab National Bank personal loan for 2 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹46,538 a month. If your offered rate is 11.85% it would be about ₹47,003.
How much total interest will I pay?
At 10.85% the total interest over 2 years is about ₹1,16,917, so you repay about ₹11,16,917 in all.