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Punjab National Bank ₹5 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 10.85%, the EMI is about ₹16,334 a month, with total interest of about ₹88,019.
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) | ₹16,334 | ₹88,019 | ₹5,88,019 |
| 11.35% | ₹16,452 | ₹92,285 | ₹5,92,285 |
| 11.85% | ₹16,571 | ₹96,569 | ₹5,96,569 |
| 12.35% | ₹16,691 | ₹1,00,871 | ₹6,00,871 |
| 12.85% | ₹16,811 | ₹1,05,191 | ₹6,05,191 |
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 | ₹1,49,023 | ₹46,984 | ₹1,96,006 | ₹3,50,977 |
| Year 2 | ₹1,66,020 | ₹29,986 | ₹1,96,006 | ₹1,84,957 |
| Year 3 | ₹1,84,957 | ₹11,049 | ₹1,96,006 | ₹0 |
Frequently asked questions
What is the EMI for a ₹5 lakh Punjab National Bank personal loan for 3 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹16,334 a month. If your offered rate is 11.85% it would be about ₹16,571.
How much total interest will I pay?
At 10.85% the total interest over 3 years is about ₹88,019, so you repay about ₹5,88,019 in all.