Calculate your PNB home loan EMI.
Use this calculator with PNB's typical rate range. See your EMI, the tax-adjusted effective cost, and full amortization schedule. Independent of PNB — we don't sell loans or pass your details to anyone.
What this loan really looks like
The lifetime split is only part of the story. These show how the principal/interest mix shifts year by year, how slowly the balance falls, and the month your payment finally tips toward principal.
About Punjab National Bank home loans
PNB is one of India's largest public sector banks with extensive home loan products. Floating rates are EBLR-linked. PNB is often competitive for salaried government employees and offers concessional rates to specific borrower categories.
PNB home loan at a glance
| Typical rate range | 8.50% to 10.10% |
|---|---|
| Maximum tenure | 30 years |
| Maximum loan amount | up to ₹15 crore based on income; LTV up to 90% for loans below ₹30 lakh |
| Eligibility (age) | salaried minimum age 21, maximum age at loan maturity 70; pensioners and self-employed also eligible |
| Processing fee | 0.35% of loan amount (minimum ₹2,500, maximum ₹15,000) + GST |
PNB home loan highlights
- Special rate concession for women borrowers (typically 0.05%)
- PNB Pride Housing Loan for government and defense employees
- No prepayment penalty on floating-rate loans (RBI mandated)
- PNB Max Saver scheme — overdraft-linked home loan reduces interest cost
- Joint application with family members for higher loan eligibility
Disclaimer: indiaemi.com is not affiliated with Punjab National Bank. The rate ranges, eligibility criteria, and other figures shown here are based on publicly available information and may change without notice. Always confirm current rates and terms directly with PNB before making any loan decision.
Tax benefits apply equally — regardless of which bank
The Income Tax Act sections (24(b), 80C, 80EEA) apply to all home loans from approved Indian banks and housing finance companies — PNB loans are no exception. The calculator above incorporates these benefits automatically. For more on home loan tax benefits, see our how EMI works and glossary pages.
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