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Punjab National Bank ₹10 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 10.85%, the EMI is about ₹32,668 a month, with total interest of about ₹1,76,038.
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) | ₹32,668 | ₹1,76,038 | ₹11,76,038 |
| 11.35% | ₹32,905 | ₹1,84,570 | ₹11,84,570 |
| 11.85% | ₹33,143 | ₹1,93,138 | ₹11,93,138 |
| 12.35% | ₹33,382 | ₹2,01,742 | ₹12,01,742 |
| 12.85% | ₹33,622 | ₹2,10,383 | ₹12,10,383 |
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 | ₹2,98,045 | ₹93,967 | ₹3,92,013 | ₹7,01,955 |
| Year 2 | ₹3,32,041 | ₹59,972 | ₹3,92,013 | ₹3,69,914 |
| Year 3 | ₹3,69,914 | ₹22,099 | ₹3,92,013 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Punjab National Bank personal loan for 3 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹32,668 a month. If your offered rate is 11.85% it would be about ₹33,143.
How much total interest will I pay?
At 10.85% the total interest over 3 years is about ₹1,76,038, so you repay about ₹11,76,038 in all.