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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.

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Your Monthly EMI Payment

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Principal Amount0
Interest Amount0
Total Amount0

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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%
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Step 1: Enter your mobile number in the application form

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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.

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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

Know Your Chances of Approval

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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

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Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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