Home › Personal Loan › Punjab National Bank › ₹2 lakh for 2 years
Punjab National Bank ₹2 lakh Personal Loan EMI for 2 Years
At the advertised starting rate of 10.85%, the EMI is about ₹9,308 a month, with total interest of about ₹23,383.
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) | ₹9,308 | ₹23,383 | ₹2,23,383 |
| 11.35% | ₹9,354 | ₹24,498 | ₹2,24,498 |
| 11.85% | ₹9,401 | ₹25,617 | ₹2,25,617 |
| 12.35% | ₹9,447 | ₹26,738 | ₹2,26,738 |
| 12.85% | ₹9,494 | ₹27,863 | ₹2,27,863 |
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 | ₹94,605 | ₹17,087 | ₹1,11,692 | ₹1,05,395 |
| Year 2 | ₹1,05,395 | ₹6,296 | ₹1,11,692 | ₹0 |
Frequently asked questions
What is the EMI for a ₹2 lakh Punjab National Bank personal loan for 2 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹9,308 a month. If your offered rate is 11.85% it would be about ₹9,401.
How much total interest will I pay?
At 10.85% the total interest over 2 years is about ₹23,383, so you repay about ₹2,23,383 in all.