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PNB HFL Bank EMI Calculator

You are Eligible for EMI Amount
₹56,409
Principal Amount
₹6,500,000
Interest Amount
₹7,038,042
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8,000,000₹
8.5 p.a
20 years

You are Eligible for EMI Amount

0
Principal Amount
0
Interest Amount
7,038,042
Why Suganta for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value

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Your Repayment Details


    PNB Housing Finance Home Loan EMI Calculator – SuGanta

    Embarking on the journey of homeownership requires meticulous financial planning. The PNB Housing Finance Home Loan EMI Calculator on Suganta.com empowers you to accurately estimate your monthly loan repayments, facilitating informed and confident financial decisions.

    Why Use the PNB Housing Finance EMI Calculator?

    • Accurate EMI Computation: Input your desired loan amount, interest rate, and tenure to receive precise monthly installment figures, aiding in effective budgeting.​
    • User-Friendly Interface: Designed for ease of use, the calculator ensures a seamless experience for all users, regardless of financial expertise.
    • Instant Results: Obtain immediate calculations, allowing you to explore various loan scenarios and select the most suitable option.​

    PNB Housing Finance Home Loan Details

    • Interest Rates: As of April 2025, PNB Housing Finance offers home loan interest rates starting from 8.5% per annum, varying based on the applicant's credit profile and loan specifics.​
    • Processing Fees: A nominal fee is applicable; detailed information can be obtained from the official PNB Housing Finance website.​
    • Loan Tenure: Flexible repayment periods extending up to 30 years, accommodating diverse financial plans.​ ​
    Get Matching Home Loan Offers Here
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      RECOMMENDED
      Loan Amount
      ₹
      ROI
      8.5%
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      30 yr
      EMI
      ₹61,536
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    • SBI Bank
      RECOMMENDED
      Loan Amount
      ₹
      ROI
      8.5%
      Tenure
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      EMI
      ₹67,690
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    • SBI Bank
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      Loan Amount
      ₹
      ROI
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      Tenure
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    • SBI Bank
      RECOMMENDED
      Loan Amount
      ₹
      ROI
      8.45%
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      EMI
      ₹17,603
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    Sample EMI Calculation

    For a home loan of ₹65,00,000 with an interest rate of 8.5% per annum years:

    Monthly EMI: Approximately ₹56,409.
    Total Interest Payable: Approximately ₹70,38,042.​

    Note: These figures are indicative. For precise calculations tailored to your loan specifics, use the PNB Housing Finance Home Loan EMI Calculator Suganta.com.​​

    How to Use the PNB Housing Finance Home Loan EMI Calculator

    • Enter Loan Amount: Specify the desired loan amount.​
    • Select Loan Tenure: Choose the preferred repayment period.​
    • Input Interest Rate: Enter the applicable interest rate.​
    • Input Interest Rate: Calculate EMI: To see the approximate monthly payment, click "Calculate Your EMI." ​ ​

    Benefits of Using the EMI Calculator

    • Financial Planning: Gain a clear understanding of your monthly obligations, aiding in effective budgeting.​ ​
    • Loan Comparison: Evaluate different loan scenarios by adjusting variables, assisting in selecting the most suitable loan option.​
    • Time-Saving: Eliminates the need for manual calculations, providing swift and reliable results.​ ​

    Why Choose PNB Housing Finance Home Loans?

    • Competitive Interest Rates: Starting from 8.5% per annum, making home loans more affordable.​ ​
    • Flexible Tenure Options: Repayment periods extend up to 30 years, providing flexibility to borrowers.​ ​
    • High Loan Amounts: Depending on eligibility, borrowers can avail substantial loan amounts to finance their dream homes.​ ​

    10-Year PNB Housing Finance Home Loan EMI Amortization Table – ₹65 Lakhs @ 8.5%

    Year Opening Balance (₹) Annual EMI (₹) Interest Paid (₹) Principal Paid (₹) Closing Balance (₹)
    1 65,00,000 9,62,856 5,49,132 4,13,724 60,86,276
    2 60,86,276 9,62,856 5,17,333 4,45,523 56,40,753
    3 56,40,753 9,62,856 4,79,464 4,83,392 51,57,361
    4 51,57,361 9,62,856 4,36,375 5,26,481 46,30,880
    5 46,30,880 9,62,856 3,88,125 5,74,731 40,56,149
    6 40,56,149 9,62,856 3,33,839 6,29,017 34,27,132
    7 34,27,132 9,62,856 2,73,545 6,89,311 27,37,821
    8 27,37,821 9,62,856 2,06,988 7,55,868 19,81,953
    9 19,81,953 9,62,856 1,33,850 8,29,006 11,52,947
    10 11,52,947 9,62,856 53,235 9,09,621 0

    Quick Loan Summary:

    • Total Repayment: ₹96,28,560​ ​
    • Total Interest Payable: ₹31,28,560​ ​
    • Tenure: 10 years ​
    • EMI Amount: ₹80,238/month ​

    This table gives users a transparent view of how their PNB Housing Finance loan repayment is distributed across interest and principal each year.

    • “PNB Housing Finance ₹65 lakh EMI for 10 years”
    • “Amortization chart for 8.5% home loan 2025”​
    • “How much EMI for ₹65 lakhs housing loan in India?”​
     

    Frequently Asked Questions

    +
    The PNBHFL Home Loan EMI Calculator is an online tool designed to help potential borrowers calculate their monthly Equated Monthly Installments (EMIs) for home loans from Punjab National Bank Housing Finance Limited (PNBHFL). By entering the loan amount, interest rate, and tenure, users can instantly determine their repayment schedule, enabling better financial planning.
    +
    Using this tool helps you:
    • Plan Finances: Know your monthly repayment in advance.
    • Compare Loan Options: Adjust loan parameters to find the best EMI fit.
    • Save Time: Instantly get results without manual calculations.
    • Improve Decision-Making: Helps evaluate affordability before applying for a loan.
    +
    PNBHFL typically offers home loans starting from ₹5 lakhs. However, the minimum loan amount may vary depending on the applicant’s eligibility and loan product.
    +
    PNBHFL provides home loans with a maximum tenure of up to 30 years, depending on the borrower’s age, income, and loan type. Opting for a longer tenure reduces the EMI burden but increases the total interest payable.
    +
    EMI is calculated by considering the loan amount, interest rate, and loan tenure. The EMI comprises both the principal and interest, distributed evenly over the tenure. The PNBHFL EMI Calculator simplifies this calculation, providing results in seconds.

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