PNB Home Loan EMI Calculator 2025

PNB Home Loan EMI Calculator

Q: What is the current interest rate for a PNB home loan?

As of June 2025, Punjab National Bank (PNB) offers home loan interest rates starting at 8.00% per annum. The exact rate depends on factors such as the applicant's credit score, loan amount, and employment type.

Q: What will be the EMI for a ₹30 lakh home loan?

For a ₹30 lakh home loan at an annual interest rate of 8.00% with a tenure of 20 years, the EMI is approximately ₹25,845. The total interest payable over the loan tenure would be around ₹32,02,832, making the total repayment amount approximately ₹62,02,832.

Q: What are the eligibility criteria for a PNB home loan?

To be eligible for a PNB home loan, applicants must: Be between 21 and 70 years of age at the time of loan maturity; Be a resident of India; Have a minimum monthly income of ₹25,000 for salaried individuals and ₹15,000 for self-employed professionals; Maintain a CIBIL score of 650 or higher.

Q: What documents are required for a PNB home loan?

Applicants need to provide the following documents: Completed loan application form with photograph; Identity proof (e.g., PAN card, Aadhaar card, passport); Address proof (e.g., utility bills, passport, voter ID); Age proof (e.g., birth certificate, passport); Income proof (e.g., salary slips, bank statements, ITR); Property documents (e.g., sale deed, allotment letter).

Q: How can I contact PNB for a home loan?

You can reach PNB for home loan inquiries through: Customer Care Toll-Free Number: 1800 1800 1800 or 1800 2021 2021; Email: care@pnb.co.in; Official Website: pnbindia.in.

Loan Amount

₹

Tenure

Interest Rate

Monthly EMI

₹25,335

Loan Amount

₹20,00,000

Interest Amount

₹10,40,219

Total Amount Payable

₹30,40,219

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How to Use the PNB Home Loan EMI Calculator

PNB offers a user-friendly EMI calculator to help you estimate your monthly repayments. Here's how to use it:

Enter the Loan Amount (Principal): Input the total amount you wish to
Select the Loan Tenure: Choose the duration over which you plan to repay the loan.
Input the Annual Interest Rate: Enter the rate of interest applicable to your loan.
View the Results: The calculator will display:
- Monthly EMI
- Total Interest Payable
- Total Amount Payable

This tool allows you to experiment with different loan amounts, tenures, and interest rates to find the most suitable option for your financial situation.