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Punjab National Bank ₹10 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 10.85%, the EMI is about ₹21,668 a month, with total interest of about ₹3,00,061.
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) | ₹21,668 | ₹3,00,061 | ₹13,00,061 |
| 11.35% | ₹21,917 | ₹3,15,043 | ₹13,15,043 |
| 11.85% | ₹22,169 | ₹3,30,123 | ₹13,30,123 |
| 12.35% | ₹22,422 | ₹3,45,303 | ₹13,45,303 |
| 12.85% | ₹22,676 | ₹3,60,582 | ₹13,60,582 |
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 | ₹1,59,279 | ₹1,00,734 | ₹2,60,012 | ₹8,40,721 |
| Year 2 | ₹1,77,446 | ₹82,566 | ₹2,60,012 | ₹6,63,275 |
| Year 3 | ₹1,97,686 | ₹62,326 | ₹2,60,012 | ₹4,65,589 |
| Year 4 | ₹2,20,234 | ₹39,778 | ₹2,60,012 | ₹2,45,355 |
| Year 5 | ₹2,45,355 | ₹14,658 | ₹2,60,012 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Punjab National Bank personal loan for 5 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹21,668 a month. If your offered rate is 11.85% it would be about ₹22,169.
How much total interest will I pay?
At 10.85% the total interest over 5 years is about ₹3,00,061, so you repay about ₹13,00,061 in all.