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PNB Housing Finance Home Loan EMI Calculator

Calculate your home loan EMI by using the PNB Housing Finance home loan EMI calculator on Bajaj Markets

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Planning a home loan is important, as it involves a long-term financial commitment. The PNB Housing Finance Home Loan EMI calculator helps you estimate your monthly payments quickly.

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Your Home Loan EMI
₹ 115,337
Total Interest Amount

₹ 26,521,328

Principal Amount

₹ 1,50,00,000

Total Payable Amount

₹ 4

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months arrow-down-img
  • Years
- +
Min value reached
Max value reached
Calculate Now

You can also make instant comparisons between loan offers from multiple home loan providers on Bajaj Markets. 

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Furthermore, you can gain an understanding of your loan instalments with the free amortisation schedule available, each time you calculate. 

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How to Use the PNB Housing Finance Home Loan EMI Calculator

The PNB Housing Finance home loan EMI calculator is an online tool available on Bajaj Markets that allows you to plan your finances for loan repayment. Follow the given simple steps to use this home loan EMI calculator:

  1. Enter the desired loan amount 

  2. Choose a suitable repayment

  3. Select the interest rate

After entering these values, the calculator will display the EMIs that you will have to pay each month, along with the interest charges. You can even change these variables to find out what loan amount or repayment tenure best suits your financial requirements.

How the PNB Housing Finance Home Loan EMI is Calculated

You can calculate the PNB Housing Finance Home Loan EMI either manually or using the online EMI calculator. For manual calculation, the EMI is determined using the formula:

EMI = P x R x (1+R)^N / [(1+R)^N-1]

Where:

  • P = Principal loan amount

  • R = Monthly interest rate 

  • N = Loan tenure in months

Using this formula, the EMI calculator provides an accurate estimate of your monthly repayment. The calculator helps you plan your finances effectively.

Example:

For a loan amount of ₹1.5 Crores at an interest rate of 8.50% with a tenure of 360 months, the EMI comes to ₹1,15,337. Over the tenure, the total interest payable is ₹2,65,21,328, making the total repayment amount ₹4,15,21,328.

Benefits of Using the PNB Housing Finance Home Loan EMI Calculator

Financial Planning Support

The calculator helps you understand how much you can comfortably repay each month, allowing better financial planning

Accurate and Reliable Results

It eliminates the risk of manual errors by providing precise EMI values

Time-saving Tool

Complex EMI calculations are handled automatically, saving significant time and effort

Easy Comparison of Loan Options

By adjusting the loan amount, interest rate, and tenure, you can compare different  housing loan options effectively

PNB Housing Finance Home Loan EMI Amount Calculation Example at Different Tenures

Here is a tabular representation of your PNB Housing Finance Home Loan EMIs. The table shows how the EMI amount changes across different tenures for the same loan amount (calculated at an interest rate of 8.50% p.a.):
Principal Home Loan Amount 15-year Tenure (180 Months) 20-year Tenure (240 Months 30-year Tenure (360 Months)

₹25 Lakhs

₹24,618

₹21,695

₹19,222

₹50 Lakhs

₹49,236

₹43,391

₹38,445

₹75 Lakhs

₹73,855

₹65,086

₹57,668

₹1 Crore

₹98,473

₹86,782

₹76,891

Disclaimer: The above EMIs are calculated with the calculator available on Bajaj Markets. Actual figures may vary depending on the loan terms.

PNB Housing Finance Home Loan Eligibility Criteria

Here are the basic PNB Housing Finance Home Loan eligibility criteria you need to meet to qualify for the loan:

  • Age should be between 21 and 70 years

  • Minimum income required is ₹18,000 per month

  • Salaried individuals need at least 3 years of work experience

  • Self-employed individuals need a business vintage of at least 5 years

Compare PNB Housing Finance Home Loan EMI With Other Lenders on Bajaj Markets

Here, you can easily compare PNB Housing Finance Home Loan EMIs with many lenders based on their starting interest rates. For this comparison, a loan amount of ₹60 Lakhs with a tenure of 20 years is considered to help you identify the most affordable repayment option.
Lender Name Starting Interest Rate (Per Annum) Loan Amount Tenure EMI Amount

Bajaj Housing Finance Ltd.

7.45%

₹60 Lakhs

20 Years

₹48,152

Home First Finance Company

9.00% p.a.

₹60 Lakhs

20 Years

₹53,984

L&T Finance

8.60% p.a.

₹60 Lakhs

20 Years

₹52,450

LIC Housing Finance

8.65% p.a.

₹60 Lakhs

20 Years

₹52,640

Sammaan Capital

8.75% p.a.

₹60 Lakhs

20 Years

₹53,023

ICICI Bank

9.00% p.a.

₹60 Lakhs

20 Years

₹53,984

South Indian Bank

9.50% p.a.

₹60 Lakhs

20 Years

₹55,928

Shubham Housing Finance

9.90% p.a.

₹60 Lakhs

20 Years

₹57,504

Easy Home Finance

10.50% p.a.

₹60 Lakhs

20 Years

₹59,903

Truhome Finance

11.50% p.a.

₹60 Lakhs

20 Years

₹63,986

Vridhi Home Finance

12.00% p.a.

₹60 Lakhs

20 Years

₹66,065

India Shelter

13.00% p.a.

₹60 Lakhs

20 Years

₹70,295

Disclaimer: The above-mentioned information is subject to change as per changes in the lenders’ policies.

Other Partner Home Loan EMI Calculator

FAQs on PNB Housing Finance Home Loan EMI Calculator

Home Loan EMI Calculator

When does my PNB Housing Finance Home Loan EMI start?

Your PNB Housing Finance Home Loan EMI will begin from the month that the lender decides after sanctioning your loan. 

The PNB Housing Finance Home Loan EMI Calculator estimates the amount you have to pay to the bank every month. Knowing your monthly liabilities can help you plan your finances accordingly.

Yes, you can reduce your EMI by paying extra toward your loan or making a partial prepayment. This lowers the principal, which reduces the interest and your monthly EMI.

The amortisation schedule contains the outstanding loan amount, the contribution towards principal repayment, and the outstanding loan amount after each EMI. It is a clear breakup of your home loan across the entire tenure.

For loans with a floating interest rate, the EMI can change over time. An increase in the interest rate raises the EMI.

The PNB Housing Finance home loan EMI calculator provides a reliable and accurate estimate using the standard EMI formula.

No, the PNB Housing Finance EMI Home Loan Calculator does not include processing fees. It calculates only the EMI based on the loan amount, interest rate, and tenure.

Yes, you can calculate EMIs for different loan tenures using the calculator to find a repayment plan that suits your financial needs.

You can use this calculator to estimate EMIs for top-up loans by entering the loan amount, interest rate, and tenure.

If the interest rate increases, your loan EMI will rise, resulting in higher monthly payments. On the other hand, if the interest rate falls, your EMI also decreases.

Yes, you can calculate the EMI for a pre-approved PNB Housing Finance home loan using the EMI calculator. Enter the approved loan amount, interest rate, and tenure to view your EMI.

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