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EMI calculator

Since home loans warrant a long-term commitment, you must plan them appropriately. For instance, the PNB Housing Finance Home Loan EMI calculator is an online tool that can help you plan for it.

 

With this tool, you can compute your Equated Monthly Instalments (EMIs) and ensure that repayment stays manageable. Read to know more about the Punjab National Bank Housing Finance Home Loan EMI calculator and how you can use it for your benefit.

Calculate PNB Housing Finance Home Loan EMI Online

Loan Amount
₹ 1 L
₹ 10 L
₹ 1 Cr
₹ 10 Cr
Tenure
Months
12 M
246 M
480 M
Rate of Interest
6.00%
10.50%
15.00%
Home Loan
Your Monthly Home Loan EMI
₹6,199.28
Principal Amount
₹5,00,000
Total Interest
₹2,43,914.13
Total Amount Payable
₹7,43,914.13
Amortization Schedule
Download Amortization Schedule Download
Expand Amortization Schedule
Year EMI Principal Interest Balance
2025 ₹ 61,990 ₹ 27,439 ₹ 34,554 ₹ 4,72,561
Mar₹ 6,199₹ 2,658₹ 3,542₹ 4,97,342
Apr₹ 6,199₹ 2,676₹ 3,523₹ 4,94,666
May₹ 6,199₹ 2,695₹ 3,504₹ 4,91,971
Jun₹ 6,199₹ 2,714₹ 3,485₹ 4,89,256
Jul₹ 6,199₹ 2,734₹ 3,466₹ 4,86,522
Aug₹ 6,199₹ 2,753₹ 3,446₹ 4,83,769
Sep₹ 6,199₹ 2,773₹ 3,427₹ 4,80,997
Oct₹ 6,199₹ 2,792₹ 3,407₹ 4,78,204
Nov₹ 6,199₹ 2,812₹ 3,387₹ 4,75,392
Dec₹ 6,199₹ 2,832₹ 3,367₹ 4,72,561
2026 ₹ 74,388 ₹ 35,589 ₹ 38,803 ₹ 4,36,972
Jan₹ 6,199₹ 2,852₹ 3,347₹ 4,69,709
Feb₹ 6,199₹ 2,872₹ 3,327₹ 4,66,836
Mar₹ 6,199₹ 2,893₹ 3,307₹ 4,63,944
Apr₹ 6,199₹ 2,913₹ 3,286₹ 4,61,031
May₹ 6,199₹ 2,934₹ 3,266₹ 4,58,097
Jun₹ 6,199₹ 2,954₹ 3,245₹ 4,55,143
Jul₹ 6,199₹ 2,975₹ 3,224₹ 4,52,167
Aug₹ 6,199₹ 2,996₹ 3,203₹ 4,49,171
Sep₹ 6,199₹ 3,018₹ 3,182₹ 4,46,153
Oct₹ 6,199₹ 3,039₹ 3,160₹ 4,43,114
Nov₹ 6,199₹ 3,061₹ 3,139₹ 4,40,054
Dec₹ 6,199₹ 3,082₹ 3,117₹ 4,36,972
2027 ₹ 74,388 ₹ 38,734 ₹ 35,657 ₹ 3,98,237
Jan₹ 6,199₹ 3,104₹ 3,095₹ 4,33,867
Feb₹ 6,199₹ 3,126₹ 3,073₹ 4,30,741
Mar₹ 6,199₹ 3,148₹ 3,051₹ 4,27,593
Apr₹ 6,199₹ 3,170₹ 3,029₹ 4,24,423
May₹ 6,199₹ 3,193₹ 3,006₹ 4,21,230
Jun₹ 6,199₹ 3,216₹ 2,984₹ 4,18,014
Jul₹ 6,199₹ 3,238₹ 2,961₹ 4,14,776
Aug₹ 6,199₹ 3,261₹ 2,938₹ 4,11,515
Sep₹ 6,199₹ 3,284₹ 2,915₹ 4,08,230
Oct₹ 6,199₹ 3,308₹ 2,892₹ 4,04,923
Nov₹ 6,199₹ 3,331₹ 2,868₹ 4,01,592
Dec₹ 6,199₹ 3,355₹ 2,845₹ 3,98,237
2028 ₹ 74,388 ₹ 42,159 ₹ 32,234 ₹ 3,56,078
Jan₹ 6,199₹ 3,378₹ 2,821₹ 3,94,858
Feb₹ 6,199₹ 3,402₹ 2,797₹ 3,91,456
Mar₹ 6,199₹ 3,426₹ 2,773₹ 3,88,030
Apr₹ 6,199₹ 3,451₹ 2,749₹ 3,84,579
May₹ 6,199₹ 3,475₹ 2,724₹ 3,81,104
Jun₹ 6,199₹ 3,500₹ 2,699₹ 3,77,604
Jul₹ 6,199₹ 3,525₹ 2,675₹ 3,74,079
Aug₹ 6,199₹ 3,550₹ 2,650₹ 3,70,530
Sep₹ 6,199₹ 3,575₹ 2,625₹ 3,66,955
Oct₹ 6,199₹ 3,600₹ 2,599₹ 3,63,355
Nov₹ 6,199₹ 3,626₹ 2,574₹ 3,59,729
Dec₹ 6,199₹ 3,651₹ 2,548₹ 3,56,078
2029 ₹ 74,388 ₹ 45,884 ₹ 28,506 ₹ 3,10,193
Jan₹ 6,199₹ 3,677₹ 2,522₹ 3,52,401
Feb₹ 6,199₹ 3,703₹ 2,496₹ 3,48,698
Mar₹ 6,199₹ 3,729₹ 2,470₹ 3,44,969
Apr₹ 6,199₹ 3,756₹ 2,444₹ 3,41,213
May₹ 6,199₹ 3,782₹ 2,417₹ 3,37,431
Jun₹ 6,199₹ 3,809₹ 2,390₹ 3,33,622
Jul₹ 6,199₹ 3,836₹ 2,363₹ 3,29,785
Aug₹ 6,199₹ 3,863₹ 2,336₹ 3,25,922
Sep₹ 6,199₹ 3,891₹ 2,309₹ 3,22,031
Oct₹ 6,199₹ 3,918₹ 2,281₹ 3,18,113
Nov₹ 6,199₹ 3,946₹ 2,253₹ 3,14,167
Dec₹ 6,199₹ 3,974₹ 2,225₹ 3,10,193
2030 ₹ 74,388 ₹ 49,942 ₹ 24,452 ₹ 2,60,252
Jan₹ 6,199₹ 4,002₹ 2,197₹ 3,06,191
Feb₹ 6,199₹ 4,030₹ 2,169₹ 3,02,161
Mar₹ 6,199₹ 4,059₹ 2,140₹ 2,98,102
Apr₹ 6,199₹ 4,088₹ 2,112₹ 2,94,014
May₹ 6,199₹ 4,117₹ 2,083₹ 2,89,897
Jun₹ 6,199₹ 4,146₹ 2,053₹ 2,85,752
Jul₹ 6,199₹ 4,175₹ 2,024₹ 2,81,576
Aug₹ 6,199₹ 4,205₹ 1,995₹ 2,77,372
Sep₹ 6,199₹ 4,235₹ 1,965₹ 2,73,137
Oct₹ 6,199₹ 4,265₹ 1,935₹ 2,68,872
Nov₹ 6,199₹ 4,295₹ 1,905₹ 2,64,578
Dec₹ 6,199₹ 4,325₹ 1,874₹ 2,60,252
2031 ₹ 74,388 ₹ 54,356 ₹ 20,037 ₹ 2,05,897
Jan₹ 6,199₹ 4,356₹ 1,843₹ 2,55,897
Feb₹ 6,199₹ 4,387₹ 1,813₹ 2,51,510
Mar₹ 6,199₹ 4,418₹ 1,782₹ 2,47,092
Apr₹ 6,199₹ 4,449₹ 1,750₹ 2,42,643
May₹ 6,199₹ 4,481₹ 1,719₹ 2,38,163
Jun₹ 6,199₹ 4,512₹ 1,687₹ 2,33,650
Jul₹ 6,199₹ 4,544₹ 1,655₹ 2,29,106
Aug₹ 6,199₹ 4,576₹ 1,623₹ 2,24,530
Sep₹ 6,199₹ 4,609₹ 1,590₹ 2,19,921
Oct₹ 6,199₹ 4,642₹ 1,558₹ 2,15,279
Nov₹ 6,199₹ 4,674₹ 1,525₹ 2,10,605
Dec₹ 6,199₹ 4,708₹ 1,492₹ 2,05,897
2032 ₹ 74,388 ₹ 59,160 ₹ 15,232 ₹ 1,46,738
Jan₹ 6,199₹ 4,741₹ 1,458₹ 2,01,157
Feb₹ 6,199₹ 4,774₹ 1,425₹ 1,96,382
Mar₹ 6,199₹ 4,808₹ 1,391₹ 1,91,574
Apr₹ 6,199₹ 4,842₹ 1,357₹ 1,86,732
May₹ 6,199₹ 4,877₹ 1,323₹ 1,81,855
Jun₹ 6,199₹ 4,911₹ 1,288₹ 1,76,944
Jul₹ 6,199₹ 4,946₹ 1,253₹ 1,71,998
Aug₹ 6,199₹ 4,981₹ 1,218₹ 1,67,017
Sep₹ 6,199₹ 5,016₹ 1,183₹ 1,62,001
Oct₹ 6,199₹ 5,052₹ 1,148₹ 1,56,949
Nov₹ 6,199₹ 5,088₹ 1,112₹ 1,51,861
Dec₹ 6,199₹ 5,124₹ 1,076₹ 1,46,738
2033 ₹ 74,388 ₹ 64,387 ₹ 10,003 ₹ 82,349
Jan₹ 6,199₹ 5,160₹ 1,039₹ 1,41,578
Feb₹ 6,199₹ 5,196₹ 1,003₹ 1,36,381
Mar₹ 6,199₹ 5,233₹ 966₹ 1,31,148
Apr₹ 6,199₹ 5,270₹ 929₹ 1,25,878
May₹ 6,199₹ 5,308₹ 892₹ 1,20,570
Jun₹ 6,199₹ 5,345₹ 854₹ 1,15,225
Jul₹ 6,199₹ 5,383₹ 816₹ 1,09,842
Aug₹ 6,199₹ 5,421₹ 778₹ 1,04,421
Sep₹ 6,199₹ 5,460₹ 740₹ 98,961
Oct₹ 6,199₹ 5,498₹ 701₹ 93,463
Nov₹ 6,199₹ 5,537₹ 662₹ 87,925
Dec₹ 6,199₹ 5,576₹ 623₹ 82,349
2034 ₹ 74,388 ₹ 70,080 ₹ 4,311 ₹ 12,269
Jan₹ 6,199₹ 5,616₹ 583₹ 76,733
Feb₹ 6,199₹ 5,656₹ 544₹ 71,077
Mar₹ 6,199₹ 5,696₹ 503₹ 65,381
Apr₹ 6,199₹ 5,736₹ 463₹ 59,645
May₹ 6,199₹ 5,777₹ 422₹ 53,869
Jun₹ 6,199₹ 5,818₹ 382₹ 48,051
Jul₹ 6,199₹ 5,859₹ 340₹ 42,192
Aug₹ 6,199₹ 5,900₹ 299₹ 36,291
Sep₹ 6,199₹ 5,942₹ 257₹ 30,349
Oct₹ 6,199₹ 5,984₹ 215₹ 24,365
Nov₹ 6,199₹ 6,027₹ 173₹ 18,338
Dec₹ 6,199₹ 6,069₹ 130₹ 12,269
2035 ₹ 12,398 ₹ 12,268 ₹ 131 ₹ 0
Jan₹ 6,199₹ 6,112₹ 87₹ 6,156
Feb₹ 6,199₹ 6,156₹ 44₹ 0

How to Use the PNB Housing Finance EMI Calculator

The PNB Housing Finance home loan EMI calculator is an online tool available on Bajaj Markets that allows you to plan your finances for loan repayment. To avail of this tool, follow these simple steps:

  • Step 1: Fill in the amount of the home loan that you are to avail of

  • Step 2: Choose the repayment tenure for your home loan

  • Step 3: Enter the rate of interest

     

The PNB Housing Finance home loan calculator will display the EMIs that you will have to pay each month, along with the interest charges. You can even change these variables to find out what loan amount or repayment tenure best suits your financial requirements. 

PNB Housing Finance Home Loan EMI Amount at Different Tenures

Here is a tabular representation of how your PNB Home Loan EMI amount changes across different tenures for the same loan amount (at an interest rate of 8.50%):

Loan Amount

Loan EMI (based on tenure)

15 years

20 years

30 years

₹25,00,000

₹27,790

₹25,128

₹23,056

₹50,00,000

₹55,580

₹50,255

₹46,111

₹75,00,000

₹83,370

₹75,383

₹69,167

₹1,00,00,000

₹1,11,161

₹1,00,511

₹92,222

Disclaimer: The above EMIs are calculated with the calculator available on Bajaj Markets. Actual figures may vary depending on the loan terms.

 

So, with the PNB Housing Finance EMI calculator, you can easily compare various tenures and loan amounts. This would help you in determining what loan amount and repayment tenure will work for you. The process is quick, easy, and can be done using a smartphone. 

FAQs on PNB Housing Finance Home Loan EMI Calculator

When does my PNB Housing Finance Home Loan EMI start?

Your PNB Housing Finance home loan EMI will begin from the month that the lender decides after sanctioning your loan. 

 

How does a PNB Home Loan EMI Calculator help me plan my home purchase?

The PNB Housing Finance Home Loan EMI calculator estimates the amount you have to pay to the bank every month. Knowing your monthly liabilities can help you plan your finances accordingly.

 

Can I reduce my PNB Home Loan EMI?

Yes, you can reduce your home loan EMI by prepaying a part of your loan. You can also do so by paying higher EMIs during the initial few months of the tenure. In doing so, the total principal amount outstanding is reduced, and so the interest payable reduces significantly.

 

What do you mean by an amortisation schedule in a PNB home loan?

The amortisation schedule contains the outstanding loan amount, the contribution towards principal repayment, and the outstanding loan amount after each EMI. It is a clear breakup of your home loan across the entire tenure.

 

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