Calculate your PNB gold loan EMI instantly. Current rate starts from 7.85 - 9.90% p.a. with tenure up to 3 years.
| Year | Principal | Interest | Balance |
|---|
Punjab National Bank offers gold loan starting from 7.85 - 9.90% per annum with a maximum tenure of 3 years. The processing fee is 0.75% + GST. Prepayment policy: Nil.
Tenure: 1 years
| Loan Amount | Monthly EMI | Total Interest | Total Payment |
|---|---|---|---|
| ₹1 Lakh | ₹8,692 | ₹4,304 | ₹1,04,304 |
| ₹2 Lakh | ₹17,384 | ₹8,608 | ₹2,08,608 |
| ₹3 Lakh | ₹26,076 | ₹12,912 | ₹3,12,912 |
| ₹5 Lakh | ₹43,460 | ₹21,520 | ₹5,21,520 |
| ₹7 Lakh | ₹60,843 | ₹30,116 | ₹7,30,116 |
| ₹10 Lakh | ₹86,919 | ₹43,028 | ₹10,43,028 |
PNB offers Gold Loan at interest rates starting from 7.85 - 9.90% per annum in 2026. The actual rate depends on your credit score, income, loan amount, and relationship with the bank.
The EMI for a ₹5 Lakh Gold Loan from PNB at 7.85% for 1 years is approximately ₹43,460 per month. Use the calculator above to check EMI for different amounts.
PNB offers Gold Loan up to ₹25 Lakh with a maximum tenure of 3 years, subject to eligibility criteria and income assessment.
The processing fee for PNB Gold Loan is 0.75% + GST. Prepayment charges: Nil.
You can apply for PNB Gold Loan online through their official website or by visiting the nearest branch. You will need documents such as identity proof, address proof, income proof, and bank statements. Use the EMI calculator above to plan your loan before applying.