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PNB home loan EMI calculator allows you to compute your monthly payments with ease. By entering loan details, the PNB home loan calculator gives you an accurate estimate of your EMIs, helping you manage your home loan effectively.
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Last Updated: Jun 24, 2026
Education — BTech (IIT Guwahati), IIM Bangalore
With 7 years of hands-on experience structuring home loans across both public and private lending institutions, Suraj Mudaliar brings sharp, practical expertise to every borrower's journey. He specializes in loan eligibility assessment, balance transfers, and EMI optimization — helping customers not just get a loan, but get the right loan for their financial situation.
A home loan EMI calculator is a useful online tool that helps borrowers calculate their monthly repayments on their home loans. The Punjab National Bank home loan EMI calculator is a simple and easy-to-use online tool that anyone with an internet connection can access.
When you take out a home loan, your lender will require you to make regular repayments (usually monthly) to pay back the money you borrowed plus interest. These repayments are known as ‘Instalments’. An instalment plan is a way of repaying a loan in which you make fixed payments over time.
Each instalment payment amount is calculated based on the amount of money you have borrowed, the length of the loan, and the interest rate. This calculation is known as an ‘EMI calculation’.
An emi calculation can help you budget for your home loan repayments and understand how much your loan will cost you. It can also help you to compare different home loans and choose the best option for your needs.
An amortisation schedule is an invaluable tool for anyone considering taking out a home loan. This schedule displays each instalment payment along with the amount of principal and interest paid with each payment and also shows the remaining balance of the loan.
The amortisation schedule table can assist in budgeting for home loan repayments and provide a clear understanding of the overall cost of the loan. Therefore, when looking into a home loan, it is important to utilise an amortisation schedule to guarantee that you can afford it.
An amortisation schedule is extremely useful for planning for your home loan payments and figuring out the portion of your payment used to pay the principal and the portion that goes towards the interest. An amortisation schedule should be used when contemplating a home loan to guarantee that you can afford the monthly payments.
Creating an amortisation schedule can be done manually or with an online calculator. For example, your schedule would look like this if you took out a loan for Rs. 10 lahks with a 7-year term and an interest rate of 8.90% per year.
| Year | Opening Balance | EMI*12 | Interest Paid Yearly | Principal Paid Yearly | Closing Balance |
| 1 | 10,00,000 | 1,92,456 | 84,674 | 1,07,788 | 8,92,212 |
| 2 | 8,92,212 | 1,92,456 | 74,679 | 1,17,781 | 7,74,431 |
| 3 | 7,74,431 | 1,92,456 | 63,758 | 1,28,701 | 6,45,730 |
| 4 | 6,45,730 | 1,92,456 | 51,826 | 1,40,636 | 5,05,094 |
| 5 | 5,05,094 | 1,92,456 | 38,785 | 1,53,676 | 3,51,418 |
| 6 | 3,51,418 | 1,92,456 | 24,534 | 1,67,925 | 183494 |
| 7 | 183494 | 1,92,456 | 8,966 | 1,83,494 | 0 |
A home loan calculator is a beneficial tool for anyone planning to take out a loan for their home. This helpful resource can be used to calculate monthly payments and gain an understanding of the full cost of the loan.
Enter the desired loan amount, the repayment period, and the interest rate into the calculator, which will estimate the monthly payments based on that data. Therefore, if you are looking into getting a home loan, using a home loan calculator is essential to ensure you get the most favourable deal possible.
When estimating your Punjab National Bank home loan EMI, a few things should be taken into account, such as the principal loan amount, tenure, interest rate and any processing fees or prepayment charges.
Punjab National Bank offers an EMI calculator which can predict your monthly payments by factoring in the principal loan amount, the tenure and the interest rate. As a result, you can easily compare different loan offers and pick the most suitable one.
Using a home loan calculator has many benefits, but Punjab National Bank’s home loan calculator has some specific advantages.
PNB has established itself as a go-to option for those considering a home loan, with the lowest EMIs available on the market. In addition, their flexible repayment options provide more leeway when managing monthly expenses and controlling the interest paid.
Therefore, when looking for a loan with reduced EMIs and a flexible repayment structure, PNB is an excellent choice.
The table below illustrates the EMI calculations for a loan of 10 lakhs Rupees with a 9 per cent interest rate across various tenures.
| 10,00,000 | 10 YEARS | 20 YEARS | 30 YEARS |
| TOTAL INTEREST | 5,20,109 | 11,59,342 | 18,96,641 |
| EMI | 12,668 | 8,997 | 8,046 |
The table below illustrates the EMI calculations for a loan of 20 lakhs Rupees with a 9 per cent interest rate across various tenures.
| 20,00,000 | 10 YEARS | 20 YEARS | 30 YEARS |
| TOTAL INTEREST | 10,40,219 | 23,18,685 | 37,93,243 |
| EMI | 25,335 | 17,995 | 16,092 |
The table below illustrates the EMI calculations for a loan of 30 lakhs Rupees with a 9 per cent interest rate across various tenures.
| 30,00,000 | 10 YEARS | 20 YEARS | 30 YEARS |
| TOTAL INTEREST | 15,60,328 | 34,78,027 | 56,89,924 |
| EMI | 38,003 | 26,992 | 24,139 |
The table below illustrates the EMI calculations for a loan of 40 lakhs Rupees with a 9 per cent interest rate across various tenures.
| 40,00,000 | 10 YEARS | 20 YEARS | 30 YEARS |
| INTEREST | 20,80,437 | 46,37,369 | 75,86,566 |
| EMI | 50,670 | 35,989 | 32,185 |
The table below illustrates the EMI calculations for a loan of 50 lakhs Rupees with a 9 per cent interest rate across various tenures.
| 50,00,000 | 10 YEARS | 20 YEARS | 30 YEARS |
| INTEREST | 26,00,546 | 57,96,711 | 94,83,207 |
| EMI | 63,338 | 44,986 | 40,231 |
The PNB home loan EMI calculator is a useful online tool to help borrowers calculate their monthly repayments. The Punjab National Bank home loan EMI calculator is a simple and easy-to-use online tool.
It helps to budget for home loan repayments, compare different loans, and utilise an amortisation schedule to ensure affordability. In addition, the PNB home loan calculator can help calculate EMIs, view an amortisation schedule, compare loan options, and track repayment progress.
With NoBroker, you can compare home loan products from leading banks and NBFCs, and choose the one that best suits your needs. NoBroker also offers a home loan EMI calculator, which can help you calculate your monthly instalments easily.
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