Calculate your PNB personal loan EMI instantly. Current rate starts from 10.40 - 14.85% p.a. with tenure up to 5 years.
| Year | Principal | Interest | Balance |
|---|
Punjab National Bank offers personal loan starting from 10.40 - 14.85% per annum with a maximum tenure of 5 years. The processing fee is 1% of loan amount + GST. Prepayment policy: 3% of outstanding.
Tenure: 3 years
| Loan Amount | Monthly EMI | Total Interest | Total Payment |
|---|---|---|---|
| ₹1 Lakh | ₹3,246 | ₹16,856 | ₹1,16,856 |
| ₹2 Lakh | ₹6,491 | ₹33,676 | ₹2,33,676 |
| ₹3 Lakh | ₹9,737 | ₹50,532 | ₹3,50,532 |
| ₹4 Lakh | ₹12,982 | ₹67,352 | ₹4,67,352 |
| ₹5 Lakh | ₹16,228 | ₹84,208 | ₹5,84,208 |
| ₹7 Lakh | ₹22,719 | ₹1,17,884 | ₹8,17,884 |
| ₹10 Lakh | ₹32,455 | ₹1,68,380 | ₹11,68,380 |
| ₹15 Lakh | ₹48,683 | ₹2,52,588 | ₹17,52,588 |
| ₹20 Lakh | ₹64,911 | ₹3,36,796 | ₹23,36,796 |
| ₹25 Lakh | ₹81,138 | ₹4,20,968 | ₹29,20,968 |
PNB offers Personal Loan at interest rates starting from 10.40 - 14.85% per annum in 2026. The actual rate depends on your credit score, income, loan amount, and relationship with the bank.
The EMI for a ₹7 Lakh Personal Loan from PNB at 10.4% for 3 years is approximately ₹22,719 per month. Use the calculator above to check EMI for different amounts.
PNB offers Personal Loan up to ₹15 Lakh with a maximum tenure of 5 years, subject to eligibility criteria and income assessment.
The processing fee for PNB Personal Loan is 1% of loan amount + GST. Prepayment charges: 3% of outstanding.
You can apply for PNB Personal 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.