Paisabazaar Logo - Compare loans and credit cards

PNB Personal Loan EMI Calculator

Punjab National Bank (PNB) Personal Loan EMI Calculator helps loan applicants calculate the EMIs, total interest costs and total amount payable on their personal loans for different interest rates, loan tenures and loan amounts. PNB Personal Loan EMI calculator also helps you to determine the optimal EMI and loan tenure for your PNB Personal Loan depending on your repayment capacity.

Select Your Bank

50K50L
8%30%
1Y 10Y

Your Monthly EMI Payment

0

Principal Amount0
Interest Amount0
Total Amount0

Find Best Personal Loan Offers

Sort by:

HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max Loan Amt.Upto 25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

What is PNB Personal Loan EMI Calculator?

PNB Personal Loan EMI Calculator is an online tool provided by PNB to help its personal loan applicants calculate the loan instalment amount payable every month. The EMI amount would vary based on the PNB Personal Loan interest rate, loan amount and repayment tenure selected by the individual.

Alternatively, applicants can also use Paisabazaar’s Personal Loan EMI Calculator to determine the optimum loan tenure and EMIs for PNB Personal Loan based on their repayment capacity.

How does the PNB EMI Calculator work?

PNB Bank Personal Loan EMI Calculator helps estimate your monthly EMIs based on the loan amount, interest rate, and tenure. This free calculator uses the following formula:
EMI (E) = [P × R × (1 + R)ⁿ] / [(1 + R)ⁿ – 1]

Meaning of the terms used in the formula:

  • P: Principal loan amount
  • R: Interest rate applicable to the loan
  • N: Loan repayment tenure
  • EMI: Equated Monthly Instalment

Factors affecting PNB Personal Loan EMI

  • Rate of Interest: The interest rate directly affects your EMIs. Higher rates mean more paid as EMI and vice versa. The interest rates offered by PNB start from 11.35% p.a.
    Pro tip: Personal loan applicants should always compare personal loan interest rates offered by top banks and non-banking financial companies (NBFCs) before applying for a PNB Personal Loan.
  • Loan Tenure: A longer tenure reduces EMI but increases total interest cost, whereas a shorter tenure increases monthly installments but reduces total interest cost.
  • Loan Amount: Higher loan amounts end up increasing both the EMIs and total interest costs for loan applicants and vice versa.

Benefits of Using PNB Personal Loan EMI Calculators

The key benefits of using a personal loan EMI calculator online are as follows:

  • Easy to Use: All you need to do is enter the principal loan amount, the interest rate, and select the desired loan tenure to know the actual value of their monthly installments.
  • Provides Quicker and Accurate Results: PNB Personal EMI Calculator provides you with accurate EMIs in quick and simple steps.
  • Budget Management: Helps you plan your budget efficiently by giving you an idea of the monthly installments. You can adjust your monthly expenses accordingly to fit the EMI amount.
  • Improve Personal Loan Eligibility: Helps you adjust your debt to stay within the preferred FOIR of 50-55%, boosting your loan eligibility.
  • Healthy Credit Scores: Helps maintain a healthy credit score by reducing the risk of default, as your EMIs are planned and calculated in advance.

Avail Personal Loan for
All Your Needs

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Avail Personal Loan for
All Your Needs

quotes icon

What our customers say

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

icon image of avatar
Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

icon image of avatar
Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

icon image of avatar
Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

icon image of avatar
Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

icon image of avatar
Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

icon image of avatar
Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

icon image of avatar
Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

icon image of avatar
Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

icon image of avatar
Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

icon image of avatar
Aridaman Singh ParhichaDec 11, 2025
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers