PNB Housing Home Loan EMI Calculator
PNB Housing home loan EMI for different amounts (at 8.5%, 20 years)
| Loan amount | Monthly EMI | Total interest |
|---|---|---|
| ₹10 Lakh | ₹8,678 | ₹10.83 L |
| ₹20 Lakh | ₹17,356 | ₹21.66 L |
| ₹30 Lakh | ₹26,035 | ₹32.48 L |
| ₹50 Lakh | ₹43,391 | ₹54.14 L |
| ₹75 Lakh | ₹65,087 | ₹81.21 L |
| ₹1 Crore | ₹86,782 | ₹1.08 Cr |
PNB Housing Finance currently offers home loans at 8.5% p.a. (floating, starting rate as of June 2026). A ₹30 lakh loan over 20 years costs about ₹26,035/month with roughly ₹32.48 L in interest. Want a shorter tenure or planning to prepay? Use the calculator above — it shows total interest, year-by-year amortisation and prepayment savings.
Always confirm the exact rate with your PNB Housing branch or relationship manager; rates change with RBI repo-rate announcements and individual credit profiles.
What is PNB Housing's current home loan interest rate?
PNB Housing Finance currently offers home loans starting at 8.5% per annum (floating). Actual rate depends on your credit score, loan amount and employment type. Use the calculator above to see the EMI at the exact rate you're offered.
What is the EMI for a ₹30 lakh PNB Housing home loan?
At 8.5% for 20 years, the EMI for a ₹30 lakh home loan from PNB Housing is about ₹26,035 per month. Total interest over 20 years would be roughly ₹32.48 L. Shorter tenures reduce total interest but raise the monthly EMI.
What is PNB Housing's home loan processing fee?
PNB Housing charges a processing fee of approximately 0.35% on home loans. This is a one-time, non-refundable charge. Factor it into your true cost — the calculator above includes a processing fee field under True Cost.
Is PNB Housing good for a home loan?
Strong in tier-2/3 cities. Key factors to compare across banks: interest rate, processing fee, prepayment charges (most public-sector banks charge 0 on floating-rate loans), customer service, and turnaround time. Always get an offer letter from 2–3 banks before deciding.