Home › Personal Loan › Punjab National Bank › ₹5 lakh for 2 years
Punjab National Bank ₹5 lakh Personal Loan EMI for 2 Years
At the advertised starting rate of 10.85%, the EMI is about ₹23,269 a month, with total interest of about ₹58,459.
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) | ₹23,269 | ₹58,459 | ₹5,58,459 |
| 11.35% | ₹23,385 | ₹61,246 | ₹5,61,246 |
| 11.85% | ₹23,502 | ₹64,041 | ₹5,64,041 |
| 12.35% | ₹23,619 | ₹66,845 | ₹5,66,845 |
| 12.85% | ₹23,736 | ₹69,657 | ₹5,69,657 |
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 | ₹2,36,512 | ₹42,718 | ₹2,79,229 | ₹2,63,488 |
| Year 2 | ₹2,63,488 | ₹15,741 | ₹2,79,229 | ₹0 |
Frequently asked questions
What is the EMI for a ₹5 lakh Punjab National Bank personal loan for 2 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹23,269 a month. If your offered rate is 11.85% it would be about ₹23,502.
How much total interest will I pay?
At 10.85% the total interest over 2 years is about ₹58,459, so you repay about ₹5,58,459 in all.