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Punjab National Bank ₹2 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 10.85%, the EMI is about ₹6,534 a month, with total interest of about ₹35,208.
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) | ₹6,534 | ₹35,208 | ₹2,35,208 |
| 11.35% | ₹6,581 | ₹36,914 | ₹2,36,914 |
| 11.85% | ₹6,629 | ₹38,628 | ₹2,38,628 |
| 12.35% | ₹6,676 | ₹40,348 | ₹2,40,348 |
| 12.85% | ₹6,724 | ₹42,077 | ₹2,42,077 |
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 | ₹59,609 | ₹18,793 | ₹78,403 | ₹1,40,391 |
| Year 2 | ₹66,408 | ₹11,994 | ₹78,403 | ₹73,983 |
| Year 3 | ₹73,983 | ₹4,420 | ₹78,403 | ₹0 |
Frequently asked questions
What is the EMI for a ₹2 lakh Punjab National Bank personal loan for 3 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹6,534 a month. If your offered rate is 11.85% it would be about ₹6,629.
How much total interest will I pay?
At 10.85% the total interest over 3 years is about ₹35,208, so you repay about ₹2,35,208 in all.