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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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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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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

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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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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

Apply Now

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All Your Needs

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

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.

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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.

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Anuradha GuptaJan 21, 2026
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