Punjab National Bank Home Loan, Interest Rate and EMI Calculator 2019


(Updated on 09.05.2019) PNB Home Loan and EMI Calculator May 2019  Loansninsurances.com provide a simple tool to calculate your Home Loan EMI on the basis of ✓ Interest Rate ✓ Loan Tenure & Processing Fee.

Punjab National Bank (PNB) Home Loan Interest Rate

Loan Products


Interest Rate (Based on 1 Year MCLR)

Housing Loan

For women (floating rate)

MCLR + 0.20%

MCLR + 0.25%

For others (floating rate)



PNB PRIDE (Floating)

MCLR +0.20%


Over Draft HL (Floating)

MCLR + 1.40%

Fixed General

Floating + 0.50%


Floating (PNB PRIDE) + 0.50%

For Purchase of stand alone solar system



Professional Details
Loan Amount
Yearly Income
Disclaimer: We do not provide Home Loans but help you to connect with banks to get best deals.
All loans are on sole discretion on the respective banks

Punjab National Bank Home Loan 

Punjab National Bank provides you a striking range of home loan products like Home Purchase Loans, Home Construction Loans, Home Extension Loans, Home Improvement Loans and Plot Loans. Punjab National Bank Home Loan has the easiest application process, robust service delivery model, superb post disbursement services, flexible or graduated repayment option, etc. and these have earned it an enduring popularity. Check out your Home Loan Eligibility and get the best deal with Punjab National Bank Home Loan Eligibility Calculator for the best-in-class home loan.

Punjab National Bank Personal Loan is the perfect Personal Loan to meet your financial crunches at any point of time in your life.

PNB Home Loan Features

  • EMI starting from as low as from Rs.919/-* per lakh for a 25 years loan
  • Choice to select between Fixed and Floating rates of interest on home loan
  • Longer tenure of 25 years for home loan repayment
  • Choice to Flexible/graduated repayment option
  • No hidden charges
  • Hassle-free and fast processing

PNB Home Loan Amount

A need based loan disbursement is offered by PNB for purpose of purchase and construction of house and apartment.

PNB Home Loan Under CLSS-MIG Scheme 2018

If You opted for a home loan amount of Rs. 20 lakhs at the interest rate of 8.65% from PNB Bank for 20 years. Now, on this loan amount of Rs. 20 lakhs, you will get an interest subsidy of 4% on the loan amount of Rs. 9 lakhs out of the 20 lakhs loan amount. For the rest amount, you will get an interest subvention of 3% for next loan amount of 3 lakhs out of the 20 lakhs loan amount. The remaining 8 lakhs loan amount will be calculated at normal interest rate of 8.65%.

Loan Amount Loan Tenure Monthly EMI Total Interest
Rs. 20,00,000 (CLSS-MIG) 20 Rs. 14,875 Rs. 15,69,965
Rs. 20,00,000 (Without CLSS-MIG) 20 Rs. 17,547 Rs.22,11,233

EMI and Interest Rates are Reduced By Rs.2672 and Rs.6,41,268

A leading public sector Bank Punjab National Bank offers home loan at competitive interest rate.

As a borrower of home loan, one needs to be well informed about his upcoming EMIs to make his financial set-up more viable and feasible. By using an easy process through EMI calculator provided by www.loansninsurances.com one instantly becomes aware about his forthcoming EMI for home loan.


  • Should have regular source of income
  • Should be in age group of 18-65 years
  • One may include income of spouse/children/parents
  • Should be ready to contribute 20% margin money in case the home loan amount is less than 75 lakhs and 25% in case of loan amount is exceeding to 75 lakhs

How to calculate EMI:

Just by entering the following inputs in the EMI Calculator, you will get an indicative amount of EMI:

  1. Intended loan amount in INR
  2. Number of years you wish to pay in months or year.
  3. Interest rate in %, which you have opted for home loan.

By entering these values, you can get an indicative amount of your EMI. For an example, a loan amount of Rs. 25,00,000@interest rate of 10.50% per annum for the period of 300 months would indicate an EMI of Rs. 23604.54 per month.

The formula for EMI (in arrears) is:
Where E is EMI, P is Principal Loan Amount, r is rate of interest calculated on monthly basis. (i.e., r = Rate of Annual interest/12/100. If rate of interest is 10.25% per annum, then r = 10.25/12/100=0.00854)

PNB Home Loan EMI Calculator

Fill Loan Amount, Interest rate & Tenure in Fields & get Instant Calculation for Home loan emi within seconds.
Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Flat Interest Rate PA
Flat Interest Rate PM
Total Interest Amount
Yearly Interest Amount

Yearly calculated values for home loan amount of Rs. 25,00,000 @interest rate of 10.5% for 300 months

1 RS. 21,788 RS. 261,472 RS. 2,478,212
2 RS. 24,189 RS. 259,071 RS. 2,454,023
3 RS. 26,855 RS. 256,405 RS. 2,427,168
4 RS. 29,814 RS. 253,446 RS. 2,397,354
5 RS. 33,099 RS. 250,161 RS. 2,364,255
6 RS. 36,747 RS. 246,513 RS. 2,327,508
7 RS. 40,798 RS. 242,462 RS. 2,286,710
8 RS. 45,294 RS. 237,966 RS. 2,241,416
9 RS. 50,286 RS. 232,974 RS. 2,191,130
10 RS. 55,827 RS. 227,433 RS. 2,135,303
11 RS. 61,979 RS. 221,281 RS. 2,073,324
12 RS. 68,810 RS. 214,450 RS. 2,004,514
13 RS. 76,395 RS. 206,865 RS. 1,928,119
14 RS. 84,811 RS. 198,449 RS. 1,843,308
15 RS. 94,158 RS. 189,102 RS. 1,749,150
16 RS. 104,535 RS. 178,725 RS. 1,644,615
17 RS. 116,055 RS. 167,205 RS. 1,528,560
18 RS. 128,846 RS. 154,414 RS. 1,399,714
19 RS. 143,044 RS. 140,216 RS. 1,256,670
20 RS. 158,808 RS. 124,452 RS. 1,097,862
21 RS. 176,309 RS. 106,951 RS. 921,553
22 RS. 195,738 RS. 87,522 RS. 725,815
23 RS. 217,309 RS. 65,951 RS. 508,506
24 RS. 241,257 RS. 42,003 RS. 267,249
25 RS. 267,449 RS. 15,414 RS. 0
Contact Address IFSC Code MICR Code
D Block, Dda Market, Anand Vihar, Delhi 110092 PUNB0398000 110024192
Radhey Shree Building, Ajmeri Gate, Delhi 110002 PUNB0012700 110024038
House No 58 Chanda House Main Bus Stand New Delhi 110047 PUNB0657100 110024275
3338 Beadon Pura, Bank Street, Karol Bagh, New Delhi 110005 PUNB0011900 110024053
7, Bhikhaiji Cama Place, New Delhi – 110066 PUNB0198800 110024115
Raghuganj Building, Barsabulla Chowk, Chawri Bazar, Delhi 110006 PUNB0011400 110024008
Opp. Myna Restaurant, Civil Lines, Rohtak, Haryana – 124001 PUNB0083800 124024003
Dma House, Ansari Road, New Delhi 110002 PUNB0011700 110024010
H. No. 642, Chanderlok 100Ft Road, Main Durgapuri Delhi 110093 PUNB0487200 110024462
House No 1, Pocket 8 Sector 15 Rohini Delhi 110085 PUNB0658100 110024262
G 6 Hauz Khas, Mehrauli Road, New Delhi 110016 PUNB0309300 110024145
74, Janpath, New Delhi-110001 PUNB0013100 110024050
14, Vaishali, Pitampura, Delhi 110088 PUNB0171000 110024099
Bhera Enclave , Paschim Vihar,New Delhi 110087 PUNB0408100 110024214
C 3/55 A, Yamuna Vihar, Delhi 110053 PUNB0225600 110024120
A-9, Main Uttam Nagar Road, Vikaspuri New Delhi 110018 PUNB0161000 110024098


1) Punjab National Bank ranks First in terms of Digital Transactions according to a report by Department of Financial Services. It has achieved sixth position among all the Banks in India for Digital Performance. PNB is committed to Digital India Initiative by digitalising Banking. Also, the Public-Sector PNB has scored 71 which is considered ‘Good’ by the Government in terms of performance.

One thought on “Punjab National Bank Home Loan, Interest Rate and EMI Calculator 2019

  1. tekchand

    i am from Ferozepur city Punjab, i need information on what will be the rate of interest on home loan?

Leave a Reply

Your email address will not be published. Required fields are marked *