PNB Home Loan EMI Calculator
Preset to PNB's current home loan emi rate of 8.35%. Change any value to see your own numbers.
- Current rate 8.35%
- Range 8.35–9.00%
- Rank #1 of 7 banks
- Verified 16 July 2026
PNB Home Loan EMI Calculator
- Principal₹50,00,000
- Total interest₹53,00,235
- Total payment₹1,03,00,235
Where your money goes
- Principal ₹50,00,000
- Interest ₹53,00,235
PNB home loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| CIBIL ≥ 800 | 8.35% |
| CIBIL 750–799 | 8.55% |
| CIBIL 700–749 | 8.75% |
| CIBIL below 700 / self-employed | 9.00% |
This Home Loan calculator is preset to Punjab National Bank's current 8.35% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real PNB loan — change the amount or tenure to match yours.
PNB's home loan rates run from 8.35% to 9.00% depending on your profile and loan size. Below is PNB's full rate table, the fees and rules that actually apply, and how PNB compares with the 7 banks we track — the one thing no bank's own page will show you.
PNB home loan — key facts
- Home loan rates are linked to PNB's Repo Linked Lending Rate (RLLR), so EMIs move with RBI repo changes.
- Floating-rate home loans to individual borrowers carry no prepayment or foreclosure charges.
- Women borrowers are typically offered a concession of 0.05% on the applicable rate.
- Processing-fee waiver campaigns are periodically offered under PNB's retail home-loan schemes.
How PNB compares
PNB has the lowest home loan rate of the 7 banks we track.
PNB home loan FAQs
What is PNB's home loan interest rate in 2026?
Punjab National Bank offers home loan rates from 8.35% to 9% (indicative headline 8.35%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a PNB home loan?
The processing fee is 0.35% of the loan amount (max ₹15,000) + GST; often waived during campaigns. Home loan rates are linked to PNB's Repo Linked Lending Rate (RLLR), so EMIs move with RBI repo changes.
Can I prepay or foreclose my PNB home loan early?
Floating-rate home loans to individual borrowers carry no prepayment or foreclosure charges.
How is the EMI on a PNB home loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 8.35% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.