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Since home loans warrant a long-term commitment, you must plan them appropriately. For instance, the PNB Housing Finance Home Loan EMI calculator is an online tool that can help you plan for it.


With this tool, you can compute your Equated Monthly Instalments (EMIs) and ensure that repayment stays manageable. Read to know more about the Punjab National Bank Housing Finance Home Loan EMI calculator and how you can use it for your benefit.

Calculate PNB Housing Finance Home Loan EMI Online

Loan Amount
  • Months
  • Years
Rate of Interest

Monthly EMI

at % interest rate for months

Total Amount Payable
Principal Amount
Total Interest Amount
Year Principal Interest Balance

How to Use the PNB Housing Finance 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. To avail of this tool, follow these simple steps:

  • Step 1: Fill in the amount of the home loan that you are to avail of

  • Step 2: Choose the repayment tenure for your home loan

  • Step 3: Enter the rate of interest


The PNB Housing Finance home loan 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. 

PNB Housing Finance Home Loan EMI Amount at Different Tenures

Here is a tabular representation of how your PNB Home Loan EMI amount changes across different tenures for the same loan amount (at an interest rate of 8.50%):

Loan Amount

Loan EMI (based on tenure)

15 years

20 years

30 years

















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


So, with the PNB Housing Finance EMI calculator, you can easily compare various tenures and loan amounts. This would help you in determining what loan amount and repayment tenure will work for you. The process is quick, easy, and can be done using a smartphone. 

FAQs on PNB Housing Finance Home Loan EMI Calculator

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.


Part-payments or part-prepayments help you reduce your outstanding balance, thus reducing the principal amount outstanding and the interest payable. In general, prepayments reduce your total interest outgo.


Yes, you can reduce your home loan EMI by prepaying a part of your loan. You can also do so by paying higher EMIs during the initial few months of the tenure. In doing so, the total principal amount outstanding is reduced, and so the interest payable reduces significantly.


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.


Yes, you can apply for a home loan after determining the best-suited loan amount and tenure using a PNB Housing Finance EMI calculator.


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