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Punjab National Bank ₹5 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 10.85%, the EMI is about ₹10,834 a month, with total interest of about ₹1,50,031.
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) | ₹10,834 | ₹1,50,031 | ₹6,50,031 |
| 11.35% | ₹10,959 | ₹1,57,521 | ₹6,57,521 |
| 11.85% | ₹11,084 | ₹1,65,062 | ₹6,65,062 |
| 12.35% | ₹11,211 | ₹1,72,652 | ₹6,72,652 |
| 12.85% | ₹11,338 | ₹1,80,291 | ₹6,80,291 |
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 | ₹79,639 | ₹50,367 | ₹1,30,006 | ₹4,20,361 |
| Year 2 | ₹88,723 | ₹41,283 | ₹1,30,006 | ₹3,31,638 |
| Year 3 | ₹98,843 | ₹31,163 | ₹1,30,006 | ₹2,32,795 |
| Year 4 | ₹1,10,117 | ₹19,889 | ₹1,30,006 | ₹1,22,677 |
| Year 5 | ₹1,22,677 | ₹7,329 | ₹1,30,006 | ₹0 |
Frequently asked questions
What is the EMI for a ₹5 lakh Punjab National Bank personal loan for 5 years?
At Punjab National Bank's starting rate of 10.85% the EMI is about ₹10,834 a month. If your offered rate is 11.85% it would be about ₹11,084.
How much total interest will I pay?
At 10.85% the total interest over 5 years is about ₹1,50,031, so you repay about ₹6,50,031 in all.