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Punjab National Bank ₹2 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 10.85%, the EMI is about ₹4,334 a month, with total interest of about ₹60,012.
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) | ₹4,334 | ₹60,012 | ₹2,60,012 |
| 11.35% | ₹4,383 | ₹63,009 | ₹2,63,009 |
| 11.85% | ₹4,434 | ₹66,025 | ₹2,66,025 |
| 12.35% | ₹4,484 | ₹69,061 | ₹2,69,061 |
| 12.85% | ₹4,535 | ₹72,116 | ₹2,72,116 |
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 | ₹31,856 | ₹20,147 | ₹52,002 | ₹1,68,144 |
| Year 2 | ₹35,489 | ₹16,513 | ₹52,002 | ₹1,32,655 |
| Year 3 | ₹39,537 | ₹12,465 | ₹52,002 | ₹93,118 |
| Year 4 | ₹44,047 | ₹7,956 | ₹52,002 | ₹49,071 |
| Year 5 | ₹49,071 | ₹2,932 | ₹52,002 | ₹0 |
Frequently asked questions
What is the EMI for a ₹2 lakh Punjab National Bank personal loan for 5 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹4,334 a month. If your offered rate is 11.85% it would be about ₹4,434.
How much total interest will I pay?
At 10.85% the total interest over 5 years is about ₹60,012, so you repay about ₹2,60,012 in all.