PNB Bank Personal Loan EMI Calculator (2026) – Free Online Tool
📈 PNB Bank Rate: 11.4% – 16.95% p.a. (2026)
PNB Bank Personal Loan EMI Calculator
Loan Amount ₹5,00,000
Interest Rate (% p.a.) 11.40%
Loan Tenure (Years) 5 Years
Your Monthly EMI
Calculating…
Principal Amount–
Total Interest Payable–
Total Amount Payable–
Enter loan details and click Calculate EMI.
Principal vs Interest Breakdown
Principal
Interest
EMI Breakdown Table – Year-wise Amortization Schedule
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance | P vs I Split |
|---|
How to Use PNB Bank EMI Calculator
The PNB Bank Personal Loan EMI Calculator helps you calculate your exact monthly EMI instantly. Enter 3 values and get results in seconds:
- Enter your Loan Amount (₹50,000 to ₹40,00,000)
- Set the Interest Rate — PNB Bank offers 11.4% – 16.95% p.a.
- Choose Loan Tenure — 1 to 7 years
- Click Calculate EMI — get instant results with chart
EMI Calculation Formula
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]
P = Principal Loan Amount | R = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100) | N = Tenure in Months
P = Principal Loan Amount | R = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100) | N = Tenure in Months
PNB Bank Personal Loan Interest Rates 2026
PNB Bank offers personal loan interest rates from 11.4% – 16.95% p.a. in 2026. Rates depend on your credit score and income:
| Credit Score | Interest Rate (p.a.) | Max Loan Amount | Max Tenure |
|---|---|---|---|
| 750+ | 11.4% – 12.5% | ₹20 Lakhs | 7 Years |
| 700–749 | 12.5% – 14% | ₹15 Lakhs | 5 Years |
| 650–699 | 14% – 15.5% | ₹10 Lakhs | 4 Years |
| Below 650 | 15.5% – 16.95% | ₹5 Lakhs | 3 Years |
*Rates are indicative. Contact PNB Bank for exact rates applicable to your profile.
PNB Bank Personal Loan EMI Examples (2026)
Ready EMI calculations for common loan amounts at PNB Bank:
| Loan Amount | Interest Rate | Tenure | Monthly EMI | Total Interest |
|---|---|---|---|---|
| ₹1,00,000 | 11.4% | 2 years | ₹4,680 | ₹12,320 |
| ₹2,00,000 | 11.4% | 3 years | ₹6,582 | ₹36,952 |
| ₹5,00,000 | 11.4% | 5 years | ₹10,956 | ₹1,57,360 |
| ₹10,00,000 | 12% | 7 years | ₹17,652 | ₹4,82,736 |
| ₹15,00,000 | 13% | 7 years | ₹27,307 | ₹7,93,788 |
PNB Bank Personal Loan Eligibility Criteria
For Salaried Employees
- Age: 21 to 60 years
- Minimum salary: ₹15,000/month
- Employment: Minimum 1 year
- Credit score: 700+ preferred
- Documents: Salary slips, bank statements, PAN, Aadhaar
For Self-Employed
- Age: 21 to 65 years
- Business vintage: Min 2 years
- ITR: Last 2 years required
- Credit score: 720+ preferred
- Documents: ITR, P&L statement, bank statements
Frequently Asked Questions – PNB Bank Personal Loan EMI
What is PNB personal loan interest rate in 2026?
Punjab National Bank personal loan interest rate ranges from 11.4% to 16.95% per annum in 2026.
What is maximum loan amount for PNB personal loan?
PNB offers personal loans up to ₹20 lakhs with tenure up to 7 years.
Can government employees get lower rate from PNB?
Yes, PNB offers preferential rates to central and state government employees and defense personnel.
What is PNB personal loan processing fee?
PNB charges processing fee of 1% of loan amount, minimum ₹500 plus applicable GST.
Is PNB personal loan available without guarantor?
Yes, PNB personal loans are available without guarantor for salaried employees with good credit score.