PNB Loan Against Property EMI Calculator
PNB Mortgage Loan EMI 2022
Get monthly EMI as low as ₹ 1,200 per lakh on PNB loan against property. Mortgage loan EMI in PNB depends upon the type of property (residential, commercial, industrial), occupation (businessmen, self employed, salaried), loan amount, loan tenure and interest rate. Check Best Offers.
- Use PNB mortgage loan calculator to evaluate your EMI before applying for a loan.
- Check PNB property loan EMI for different tenures at the current rate of 7.75%
Loan Amount | 5 Year Loan | 7 Year loan | 10 Year loan |
₹ 10 Lakh | ₹ 20,157 | ₹ 15,462 | ₹ 12,001 |
₹ 25 Lakh | ₹ 50,392 | ₹ 38,655 | ₹ 30,003 |
₹ 40 Lakh | ₹ 80,628 | ₹ 61,848 | ₹ 48,004 |
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- What if the rates of your Mortgaged Property fall?
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Loan Against Property EMI Calculator PNB
- PNB Loan Against Property EMI (or equated monthly instalment) is a fixed amount of money you pay the bank towards repayment of your property loan every month on a fixed day of the month till your loan is fully paid back.
- With PNB now offering loan tenure upto 10 years at attractive interest rates starting at 7.75%, your EMI can be as low as ₹ 1,200 per ₹ one lakh loan amount.
- The PNB Loan Against Property EMI comprises both principal repayment and interest payment. While the EMI amount remains constant, the interest component keeps reducing and the principal component keeps increasing, except in case of an increase in the PNB loan against property interest rate.
You can calculate your PNB loan against property EMI in advance to plan your expenses using a PNB mortgage loan calculator. PNB loan against property EMI calculator is an online tool that gives accurate results without hassle.
Why should you use PNB Loan Against Property EMI Calculator?
- Calculate the EMI at Different Tenures : With PNB LAP EMI Calculator, you can compare the EMI on your loan against property with different loan tenures and loan amount. However, you must check the interest rate on PNB loan against property to calculate the EMI. As per the current rates, PNB offers the lowest EMI per lakh of ₹ 1,200 at 7.75 %
- Compare PNB LAP EMI : You can also get a precise estimate on your loan against property compared to other banks at the same loan amount and tenure by using PNB loan EMI Calculator. On the basis of PNB Loan against property EMI, you can choose the most affordable offer.
- Get Detailed Amortisation Schedule : PNB Loan against EMI Calculator helps you to calculate the division of total EMIs into interest and principal repayment at different periods throughout the loan tenure.
- Calculate the Outstanding Balance : Finally, you can also use PNB EMI Calculator to calculate the remaining loan tenure for the outstanding balance at any period of the loan tenure. Thus, it can help you reduce your loan tenure by prepayment or foreclosure or to avail loan at a lower rate with balance trasnfer.
PNB Mortgage Loan EMI Calculator to estimate the EMI that fits your budget
To calculate the EMI against PNB EMI loan against property at different rates and tenure, enter different loan amounts and tenure at the eligible interest rate on the PNB Loan against property EMI calculator. The table below shows the PNB EMI calculation at the various combinations of loan amount and years at the lowest rate of 7.75%.
PNB Loan against property EMI is calculated for different loan amounts and tenures at 7.75% interest rate
Loan Tenure | |||
---|---|---|---|
Loan Amount (Rs.) | 10 years | 15 years | 20 years |
EMI on ₹ 15,00,000 | ₹ 18,002 | ₹ 14,119 | ₹ 12,314 |
EMI on ₹ 25,00,000 | ₹ 30,003 | ₹ 23,532 | ₹ 20,524 |
EMI on ₹ 40,00,000 | ₹ 48,004 | ₹ 37,651 | ₹ 32,838 |
EMI on ₹ 60,00,000 | ₹ 72,006 | ₹ 56,477 | ₹ 49,257 |
Factors Affecting PNB Property Loan EMI
You can calculate PNB EMI for your loan against property using an online LAP EMI Calculator, which considers factors such as loan amount, rate of interest and the tenure for which you are planning to avail the loan.
If you apply for a higher loan amount, you will have to pay a higher EMI on
A higher interest rate increases your PNB loan against property EMI, increasing the total cost of the loan. As per the current rates, PNB provides loan against property at rates starting at 7.75%. Before applying for a loan, you must compare LAP rates and calculate EMI online using PNB loan against property loan calculator.
Your EMI will be lower if you avail mortgage loan for a maximum tenure of 10 years, and similarly, you will have to pay a higher EMI if your tenure is shorter.
Comparison of PNB Loan Against Property EMI with other Banks
Bank Name | Interest rate | Loan Amount of ₹ 10 Lakh | Loan Amount of ₹ 30 Lakh | Loan Amount of ₹ 50 Lakh |
---|---|---|---|---|
PNB | 7.75% | ₹ 12,001 | ₹ 36,003 | ₹ 60,005 |
Bajaj Home Finance | 7.75% | ₹ 8,209 | ₹ 24,628 | ₹ 41,047 |
HDFC Bank | 8.00% | ₹ 9,557 | ₹ 28,670 | ₹ 47,783 |
IDFC First Bank | 8.00% | ₹ 9,557 | ₹ 28,670 | ₹ 47,783 |
SBI | 8.05% | ₹ 9,585 | ₹ 28,756 | ₹ 47,927 |
IDBI Bank | 8.10% | ₹ 9,614 | ₹ 28,843 | ₹ 48,072 |
DBS Bank | 8.15% | ₹ 12,212 | ₹ 36,636 | ₹ 61,061 |
DCB Bank | 8.25% | ₹ 9,701 | ₹ 29,104 | ₹ 48,507 |
ICICI Bank | 8.35% | ₹ 9,760 | ₹ 29,279 | ₹ 48,798 |
South Indian Bank | 8.50% | ₹ 11,101 | ₹ 33,302 | ₹ 55,503 |
Axis Bank | 8.75% | ₹ 9,994 | ₹ 29,983 | ₹ 49,972 |
PNB Housing Finance | 8.75% | ₹ 8,837 | ₹ 26,511 | ₹ 44,186 |
Punjab and Sind Bank | 8.90% | ₹ 11,324 | ₹ 33,972 | ₹ 56,620 |
Yes Bank | 8.95% | ₹ 10,113 | ₹ 30,339 | ₹ 50,565 |
Bank of India | 9.25% | ₹ 11,522 | ₹ 34,565 | ₹ 57,608 |
Edelweiss | 9.25% | ₹ 10,292 | ₹ 30,876 | ₹ 51,460 |
Karur Vysya Bank | 9.25% | ₹ 13,676 | ₹ 41,027 | ₹ 68,379 |
Jammu And Kashmir Bank | 9.35% | ₹ 16,267 | ₹ 48,802 | ₹ 81,336 |
UCO Bank | 9.45% | ₹ 11,635 | ₹ 34,906 | ₹ 58,176 |
Kotak Bank | 9.50% | ₹ 11,664 | ₹ 34,991 | ₹ 58,319 |
Indian Overseas Bank | 9.65% | ₹ 16,421 | ₹ 49,263 | ₹ 82,105 |
HSBC Bank | 9.80% | ₹ 10,624 | ₹ 31,872 | ₹ 53,120 |
Union Bank of India | 9.80% | ₹ 11,836 | ₹ 35,507 | ₹ 59,178 |
Syndicate Bank | 9.95% | ₹ 13,187 | ₹ 39,562 | ₹ 65,937 |
Indiabulls | 9.99% | ₹ 13,210 | ₹ 39,629 | ₹ 66,048 |
Standard Chartered Bank | 10.10% | ₹ 10,807 | ₹ 32,422 | ₹ 54,037 |
Canara Bank | 10.35% | ₹ 16,783 | ₹ 50,348 | ₹ 83,913 |
Federal Bank | 10.50% | ₹ 13,494 | ₹ 40,480 | ₹ 67,468 |
Indian Bank | 10.50% | ₹ 16,861 | ₹ 50,582 | ₹ 84,303 |
Dhan Laxmi Bank | 10.60% | ₹ 11,116 | ₹ 33,348 | ₹ 55,580 |
Andhra Bank | 10.75% | ₹ 13,634 | ₹ 40,902 | ₹ 68,169 |
United Bank of India | 10.75% | ₹ 16,991 | ₹ 50,974 | ₹ 84,956 |
Karnataka Bank | 10.89% | ₹ 11,297 | ₹ 33,891 | ₹ 56,485 |
OBC | 10.95% | ₹ 13,747 | ₹ 41,240 | ₹ 68,734 |
Cholamandalam | 11.00% | ₹ 11,366 | ₹ 34,098 | ₹ 56,830 |
Lakshmi Vilas Bank | 11.00% | ₹ 13,775 | ₹ 41,325 | ₹ 68,875 |
Corporation Bank | 11.35% | ₹ 13,974 | ₹ 41,922 | ₹ 69,869 |
Piramal Housing Finance | 11.50% | ₹ 10,664 | ₹ 31,993 | ₹ 53,321 |
Central Bank of India | 13.75% | ₹ 15,377 | ₹ 46,130 | ₹ 76,883 |
Allahabad Bank | 14.15% | ₹ 16,422 | ₹ 49,265 | ₹ 82,108 |
PNB Loan Against Property Amortization Calculator
The amortization schedule breaks the month-wise calculation of principal and interest amount you will be paying in the form of your EMIs. In simple words, with each month’s EMI, the share of interest and the principal amount keeps changing, while the former keeps on reducing the later keep on increasing. That’s why if you decide to prepay your loan in the first few years you will find out that you have paid a very small proportion of the principal sum. Let us understand this better with the help of an illustration.
Illustration: How to read an amortization scheduleSuppose you borrow a Loan Against Property of ₹ 30 Lakh from PNB for 15 years at an interest rate of 7.75%, the EMI calculated for this loan amount would be ₹ 28,238 and the total annual EMIs to be paid annually is ₹ 3,38,859. The PNB Loan Against Property EMI schedule for 15 years is explained below in the table –
Amortization Schedule for a Loan Against Property of ₹ 30 Lakh over the 15 years
Year | Interest paid during the year | Principal repaid during the year | Total amount paid during the year (Interest + Principal) | Outstanding Principal |
---|---|---|---|---|
2022 | ₹ 1,53,376 | ₹ 72,530 | ₹ 2,25,906 | ₹ 29,27,470 |
May | ₹ 19,375 | ₹ 8,863 | ₹ 28,238 | ₹ 29,91,136 |
Jun | ₹ 19,318 | ₹ 8,921 | ₹ 28,238 | ₹ 29,82,216 |
Jul | ₹ 19,260 | ₹ 8,978 | ₹ 28,238 | ₹ 29,73,238 |
Aug | ₹ 19,202 | ₹ 9,036 | ₹ 28,238 | ₹ 29,64,201 |
Sep | ₹ 19,144 | ₹ 9,094 | ₹ 28,238 | ₹ 29,55,107 |
Oct | ₹ 19,085 | ₹ 9,153 | ₹ 28,238 | ₹ 29,45,954 |
Nov | ₹ 19,026 | ₹ 9,212 | ₹ 28,238 | ₹ 29,36,741 |
Dec | ₹ 18,966 | ₹ 9,272 | ₹ 28,238 | ₹ 29,27,470 |
2023 | ₹ 2,22,814 | ₹ 1,16,045 | ₹ 3,38,859 | ₹ 28,11,425 |
Jan | ₹ 18,907 | ₹ 9,332 | ₹ 28,238 | ₹ 29,18,138 |
Feb | ₹ 18,846 | ₹ 9,392 | ₹ 28,238 | ₹ 29,08,746 |
Mar | ₹ 18,786 | ₹ 9,453 | ₹ 28,238 | ₹ 28,99,293 |
Apr | ₹ 18,725 | ₹ 9,514 | ₹ 28,238 | ₹ 28,89,780 |
May | ₹ 18,663 | ₹ 9,575 | ₹ 28,238 | ₹ 28,80,205 |
Jun | ₹ 18,601 | ₹ 9,637 | ₹ 28,238 | ₹ 28,70,568 |
Jul | ₹ 18,539 | ₹ 9,699 | ₹ 28,238 | ₹ 28,60,868 |
Aug | ₹ 18,476 | ₹ 9,762 | ₹ 28,238 | ₹ 28,51,107 |
Sep | ₹ 18,413 | ₹ 9,825 | ₹ 28,238 | ₹ 28,41,282 |
Oct | ₹ 18,350 | ₹ 9,888 | ₹ 28,238 | ₹ 28,31,393 |
Nov | ₹ 18,286 | ₹ 9,952 | ₹ 28,238 | ₹ 28,21,441 |
Dec | ₹ 18,222 | ₹ 10,016 | ₹ 28,238 | ₹ 28,11,425 |
2024 | ₹ 2,13,495 | ₹ 1,25,365 | ₹ 3,38,859 | ₹ 26,86,061 |
Jan | ₹ 18,157 | ₹ 10,081 | ₹ 28,238 | ₹ 28,01,344 |
Feb | ₹ 18,092 | ₹ 10,146 | ₹ 28,238 | ₹ 27,91,197 |
Mar | ₹ 18,026 | ₹ 10,212 | ₹ 28,238 | ₹ 27,80,986 |
Apr | ₹ 17,961 | ₹ 10,278 | ₹ 28,238 | ₹ 27,70,708 |
May | ₹ 17,894 | ₹ 10,344 | ₹ 28,238 | ₹ 27,60,364 |
Jun | ₹ 17,827 | ₹ 10,411 | ₹ 28,238 | ₹ 27,49,953 |
Jul | ₹ 17,760 | ₹ 10,478 | ₹ 28,238 | ₹ 27,39,475 |
Aug | ₹ 17,692 | ₹ 10,546 | ₹ 28,238 | ₹ 27,28,929 |
Sep | ₹ 17,624 | ₹ 10,614 | ₹ 28,238 | ₹ 27,18,315 |
Oct | ₹ 17,556 | ₹ 10,682 | ₹ 28,238 | ₹ 27,07,632 |
Nov | ₹ 17,487 | ₹ 10,751 | ₹ 28,238 | ₹ 26,96,881 |
Dec | ₹ 17,417 | ₹ 10,821 | ₹ 28,238 | ₹ 26,86,060 |
2025 | ₹ 2,03,426 | ₹ 1,35,433 | ₹ 3,38,859 | ₹ 25,50,627 |
Jan | ₹ 17,347 | ₹ 10,891 | ₹ 28,238 | ₹ 26,75,169 |
Feb | ₹ 17,277 | ₹ 10,961 | ₹ 28,238 | ₹ 26,64,208 |
Mar | ₹ 17,206 | ₹ 11,032 | ₹ 28,238 | ₹ 26,53,176 |
Apr | ₹ 17,135 | ₹ 11,103 | ₹ 28,238 | ₹ 26,42,073 |
May | ₹ 17,063 | ₹ 11,175 | ₹ 28,238 | ₹ 26,30,898 |
Jun | ₹ 16,991 | ₹ 11,247 | ₹ 28,238 | ₹ 26,19,651 |
Jul | ₹ 16,919 | ₹ 11,320 | ₹ 28,238 | ₹ 26,08,331 |
Aug | ₹ 16,845 | ₹ 11,393 | ₹ 28,238 | ₹ 25,96,939 |
Sep | ₹ 16,772 | ₹ 11,466 | ₹ 28,238 | ₹ 25,85,472 |
Oct | ₹ 16,698 | ₹ 11,540 | ₹ 28,238 | ₹ 25,73,932 |
Nov | ₹ 16,623 | ₹ 11,615 | ₹ 28,238 | ₹ 25,62,317 |
Dec | ₹ 16,548 | ₹ 11,690 | ₹ 28,238 | ₹ 25,50,627 |
2026 | ₹ 1,92,549 | ₹ 1,46,310 | ₹ 3,38,859 | ₹ 24,04,317 |
Jan | ₹ 16,473 | ₹ 11,765 | ₹ 28,238 | ₹ 25,38,861 |
Feb | ₹ 16,397 | ₹ 11,841 | ₹ 28,238 | ₹ 25,27,020 |
Mar | ₹ 16,320 | ₹ 11,918 | ₹ 28,238 | ₹ 25,15,102 |
Apr | ₹ 16,243 | ₹ 11,995 | ₹ 28,238 | ₹ 25,03,107 |
May | ₹ 16,166 | ₹ 12,072 | ₹ 28,238 | ₹ 24,91,035 |
Jun | ₹ 16,088 | ₹ 12,150 | ₹ 28,238 | ₹ 24,78,884 |
Jul | ₹ 16,009 | ₹ 12,229 | ₹ 28,238 | ₹ 24,66,656 |
Aug | ₹ 15,930 | ₹ 12,308 | ₹ 28,238 | ₹ 24,54,348 |
Sep | ₹ 15,851 | ₹ 12,387 | ₹ 28,238 | ₹ 24,41,961 |
Oct | ₹ 15,771 | ₹ 12,467 | ₹ 28,238 | ₹ 24,29,493 |
Nov | ₹ 15,690 | ₹ 12,548 | ₹ 28,238 | ₹ 24,16,945 |
Dec | ₹ 15,609 | ₹ 12,629 | ₹ 28,238 | ₹ 24,04,317 |
2027 | ₹ 1,80,798 | ₹ 1,58,061 | ₹ 3,38,859 | ₹ 22,46,256 |
Jan | ₹ 15,528 | ₹ 12,710 | ₹ 28,238 | ₹ 23,91,606 |
Feb | ₹ 15,446 | ₹ 12,792 | ₹ 28,238 | ₹ 23,78,814 |
Mar | ₹ 15,363 | ₹ 12,875 | ₹ 28,238 | ₹ 23,65,939 |
Apr | ₹ 15,280 | ₹ 12,958 | ₹ 28,238 | ₹ 23,52,980 |
May | ₹ 15,196 | ₹ 13,042 | ₹ 28,238 | ₹ 23,39,938 |
Jun | ₹ 15,112 | ₹ 13,126 | ₹ 28,238 | ₹ 23,26,812 |
Jul | ₹ 15,027 | ₹ 13,211 | ₹ 28,238 | ₹ 23,13,601 |
Aug | ₹ 14,942 | ₹ 13,296 | ₹ 28,238 | ₹ 23,00,305 |
Sep | ₹ 14,856 | ₹ 13,382 | ₹ 28,238 | ₹ 22,86,923 |
Oct | ₹ 14,770 | ₹ 13,469 | ₹ 28,238 | ₹ 22,73,454 |
Nov | ₹ 14,683 | ₹ 13,556 | ₹ 28,238 | ₹ 22,59,899 |
Dec | ₹ 14,595 | ₹ 13,643 | ₹ 28,238 | ₹ 22,46,256 |
2028 | ₹ 1,68,104 | ₹ 1,70,755 | ₹ 3,38,859 | ₹ 20,75,501 |
Jan | ₹ 14,507 | ₹ 13,731 | ₹ 28,238 | ₹ 22,32,525 |
Feb | ₹ 14,418 | ₹ 13,820 | ₹ 28,238 | ₹ 22,18,705 |
Mar | ₹ 14,329 | ₹ 13,909 | ₹ 28,238 | ₹ 22,04,796 |
Apr | ₹ 14,239 | ₹ 13,999 | ₹ 28,238 | ₹ 21,90,797 |
May | ₹ 14,149 | ₹ 14,089 | ₹ 28,238 | ₹ 21,76,707 |
Jun | ₹ 14,058 | ₹ 14,180 | ₹ 28,238 | ₹ 21,62,527 |
Jul | ₹ 13,966 | ₹ 14,272 | ₹ 28,238 | ₹ 21,48,255 |
Aug | ₹ 13,874 | ₹ 14,364 | ₹ 28,238 | ₹ 21,33,891 |
Sep | ₹ 13,781 | ₹ 14,457 | ₹ 28,238 | ₹ 21,19,434 |
Oct | ₹ 13,688 | ₹ 14,550 | ₹ 28,238 | ₹ 21,04,884 |
Nov | ₹ 13,594 | ₹ 14,644 | ₹ 28,238 | ₹ 20,90,239 |
Dec | ₹ 13,499 | ₹ 14,739 | ₹ 28,238 | ₹ 20,75,501 |
2029 | ₹ 1,54,390 | ₹ 1,84,469 | ₹ 3,38,859 | ₹ 18,91,032 |
Jan | ₹ 13,404 | ₹ 14,834 | ₹ 28,238 | ₹ 20,60,667 |
Feb | ₹ 13,308 | ₹ 14,930 | ₹ 28,238 | ₹ 20,45,737 |
Mar | ₹ 13,212 | ₹ 15,026 | ₹ 28,238 | ₹ 20,30,711 |
Apr | ₹ 13,115 | ₹ 15,123 | ₹ 28,238 | ₹ 20,15,587 |
May | ₹ 13,017 | ₹ 15,221 | ₹ 28,238 | ₹ 20,00,366 |
Jun | ₹ 12,919 | ₹ 15,319 | ₹ 28,238 | ₹ 19,85,047 |
Jul | ₹ 12,820 | ₹ 15,418 | ₹ 28,238 | ₹ 19,69,629 |
Aug | ₹ 12,721 | ₹ 15,518 | ₹ 28,238 | ₹ 19,54,111 |
Sep | ₹ 12,620 | ₹ 15,618 | ₹ 28,238 | ₹ 19,38,493 |
Oct | ₹ 12,519 | ₹ 15,719 | ₹ 28,238 | ₹ 19,22,774 |
Nov | ₹ 12,418 | ₹ 15,820 | ₹ 28,238 | ₹ 19,06,954 |
Dec | ₹ 12,316 | ₹ 15,923 | ₹ 28,238 | ₹ 18,91,032 |
2030 | ₹ 1,39,575 | ₹ 1,99,284 | ₹ 3,38,859 | ₹ 16,91,748 |
Jan | ₹ 12,213 | ₹ 16,025 | ₹ 28,238 | ₹ 18,75,006 |
Feb | ₹ 12,109 | ₹ 16,129 | ₹ 28,238 | ₹ 18,58,877 |
Mar | ₹ 12,005 | ₹ 16,233 | ₹ 28,238 | ₹ 18,42,644 |
Apr | ₹ 11,900 | ₹ 16,338 | ₹ 28,238 | ₹ 18,26,306 |
May | ₹ 11,795 | ₹ 16,443 | ₹ 28,238 | ₹ 18,09,863 |
Jun | ₹ 11,689 | ₹ 16,550 | ₹ 28,238 | ₹ 17,93,314 |
Jul | ₹ 11,582 | ₹ 16,656 | ₹ 28,238 | ₹ 17,76,657 |
Aug | ₹ 11,474 | ₹ 16,764 | ₹ 28,238 | ₹ 17,59,893 |
Sep | ₹ 11,366 | ₹ 16,872 | ₹ 28,238 | ₹ 17,43,021 |
Oct | ₹ 11,257 | ₹ 16,981 | ₹ 28,238 | ₹ 17,26,040 |
Nov | ₹ 11,147 | ₹ 17,091 | ₹ 28,238 | ₹ 17,08,949 |
Dec | ₹ 11,037 | ₹ 17,201 | ₹ 28,238 | ₹ 16,91,747 |
2031 | ₹ 1,23,570 | ₹ 2,15,289 | ₹ 3,38,859 | ₹ 14,76,458 |
Jan | ₹ 10,926 | ₹ 17,312 | ₹ 28,238 | ₹ 16,74,435 |
Feb | ₹ 10,814 | ₹ 17,424 | ₹ 28,238 | ₹ 16,57,011 |
Mar | ₹ 10,702 | ₹ 17,537 | ₹ 28,238 | ₹ 16,39,474 |
Apr | ₹ 10,588 | ₹ 17,650 | ₹ 28,238 | ₹ 16,21,824 |
May | ₹ 10,474 | ₹ 17,764 | ₹ 28,238 | ₹ 16,04,060 |
Jun | ₹ 10,360 | ₹ 17,879 | ₹ 28,238 | ₹ 15,86,181 |
Jul | ₹ 10,244 | ₹ 17,994 | ₹ 28,238 | ₹ 15,68,187 |
Aug | ₹ 10,128 | ₹ 18,110 | ₹ 28,238 | ₹ 15,50,077 |
Sep | ₹ 10,011 | ₹ 18,227 | ₹ 28,238 | ₹ 15,31,849 |
Oct | ₹ 9,893 | ₹ 18,345 | ₹ 28,238 | ₹ 15,13,504 |
Nov | ₹ 9,775 | ₹ 18,464 | ₹ 28,238 | ₹ 14,95,041 |
Dec | ₹ 9,655 | ₹ 18,583 | ₹ 28,238 | ₹ 14,76,458 |
2032 | ₹ 1,06,279 | ₹ 2,32,580 | ₹ 3,38,859 | ₹ 12,43,878 |
Jan | ₹ 9,535 | ₹ 18,703 | ₹ 28,238 | ₹ 14,57,755 |
Feb | ₹ 9,415 | ₹ 18,824 | ₹ 28,238 | ₹ 14,38,931 |
Mar | ₹ 9,293 | ₹ 18,945 | ₹ 28,238 | ₹ 14,19,986 |
Apr | ₹ 9,171 | ₹ 19,068 | ₹ 28,238 | ₹ 14,00,919 |
May | ₹ 9,048 | ₹ 19,191 | ₹ 28,238 | ₹ 13,81,728 |
Jun | ₹ 8,924 | ₹ 19,315 | ₹ 28,238 | ₹ 13,62,413 |
Jul | ₹ 8,799 | ₹ 19,439 | ₹ 28,238 | ₹ 13,42,974 |
Aug | ₹ 8,673 | ₹ 19,565 | ₹ 28,238 | ₹ 13,23,409 |
Sep | ₹ 8,547 | ₹ 19,691 | ₹ 28,238 | ₹ 13,03,718 |
Oct | ₹ 8,420 | ₹ 19,818 | ₹ 28,238 | ₹ 12,83,900 |
Nov | ₹ 8,292 | ₹ 19,946 | ₹ 28,238 | ₹ 12,63,953 |
Dec | ₹ 8,163 | ₹ 20,075 | ₹ 28,238 | ₹ 12,43,878 |
2033 | ₹ 87,600 | ₹ 2,51,259 | ₹ 3,38,859 | ₹ 9,92,619 |
Jan | ₹ 8,033 | ₹ 20,205 | ₹ 28,238 | ₹ 12,23,673 |
Feb | ₹ 7,903 | ₹ 20,335 | ₹ 28,238 | ₹ 12,03,338 |
Mar | ₹ 7,772 | ₹ 20,467 | ₹ 28,238 | ₹ 11,82,871 |
Apr | ₹ 7,639 | ₹ 20,599 | ₹ 28,238 | ₹ 11,62,272 |
May | ₹ 7,506 | ₹ 20,732 | ₹ 28,238 | ₹ 11,41,540 |
Jun | ₹ 7,372 | ₹ 20,866 | ₹ 28,238 | ₹ 11,20,674 |
Jul | ₹ 7,238 | ₹ 21,001 | ₹ 28,238 | ₹ 10,99,674 |
Aug | ₹ 7,102 | ₹ 21,136 | ₹ 28,238 | ₹ 10,78,537 |
Sep | ₹ 6,966 | ₹ 21,273 | ₹ 28,238 | ₹ 10,57,265 |
Oct | ₹ 6,828 | ₹ 21,410 | ₹ 28,238 | ₹ 10,35,855 |
Nov | ₹ 6,690 | ₹ 21,548 | ₹ 28,238 | ₹ 10,14,306 |
Dec | ₹ 6,551 | ₹ 21,688 | ₹ 28,238 | ₹ 9,92,619 |
2034 | ₹ 67,421 | ₹ 2,71,439 | ₹ 3,38,859 | ₹ 7,21,181 |
Jan | ₹ 6,411 | ₹ 21,828 | ₹ 28,238 | ₹ 9,70,791 |
Feb | ₹ 6,270 | ₹ 21,969 | ₹ 28,238 | ₹ 9,48,823 |
Mar | ₹ 6,128 | ₹ 22,110 | ₹ 28,238 | ₹ 9,26,712 |
Apr | ₹ 5,985 | ₹ 22,253 | ₹ 28,238 | ₹ 9,04,459 |
May | ₹ 5,841 | ₹ 22,397 | ₹ 28,238 | ₹ 8,82,062 |
Jun | ₹ 5,697 | ₹ 22,542 | ₹ 28,238 | ₹ 8,59,520 |
Jul | ₹ 5,551 | ₹ 22,687 | ₹ 28,238 | ₹ 8,36,833 |
Aug | ₹ 5,405 | ₹ 22,834 | ₹ 28,238 | ₹ 8,13,999 |
Sep | ₹ 5,257 | ₹ 22,981 | ₹ 28,238 | ₹ 7,91,018 |
Oct | ₹ 5,109 | ₹ 23,130 | ₹ 28,238 | ₹ 7,67,889 |
Nov | ₹ 4,959 | ₹ 23,279 | ₹ 28,238 | ₹ 7,44,610 |
Dec | ₹ 4,809 | ₹ 23,429 | ₹ 28,238 | ₹ 7,21,180 |
2035 | ₹ 45,621 | ₹ 2,93,239 | ₹ 3,38,859 | ₹ 4,27,942 |
Jan | ₹ 4,658 | ₹ 23,581 | ₹ 28,238 | ₹ 6,97,600 |
Feb | ₹ 4,505 | ₹ 23,733 | ₹ 28,238 | ₹ 6,73,867 |
Mar | ₹ 4,352 | ₹ 23,886 | ₹ 28,238 | ₹ 6,49,980 |
Apr | ₹ 4,198 | ₹ 24,040 | ₹ 28,238 | ₹ 6,25,940 |
May | ₹ 4,043 | ₹ 24,196 | ₹ 28,238 | ₹ 6,01,744 |
Jun | ₹ 3,886 | ₹ 24,352 | ₹ 28,238 | ₹ 5,77,392 |
Jul | ₹ 3,729 | ₹ 24,509 | ₹ 28,238 | ₹ 5,52,883 |
Aug | ₹ 3,571 | ₹ 24,668 | ₹ 28,238 | ₹ 5,28,215 |
Sep | ₹ 3,411 | ₹ 24,827 | ₹ 28,238 | ₹ 5,03,388 |
Oct | ₹ 3,251 | ₹ 24,987 | ₹ 28,238 | ₹ 4,78,401 |
Nov | ₹ 3,090 | ₹ 25,149 | ₹ 28,238 | ₹ 4,53,253 |
Dec | ₹ 2,927 | ₹ 25,311 | ₹ 28,238 | ₹ 4,27,942 |
2036 | ₹ 22,070 | ₹ 3,16,789 | ₹ 3,38,859 | ₹ 1,11,153 |
Jan | ₹ 2,764 | ₹ 25,474 | ₹ 28,238 | ₹ 4,02,467 |
Feb | ₹ 2,599 | ₹ 25,639 | ₹ 28,238 | ₹ 3,76,828 |
Mar | ₹ 2,434 | ₹ 25,805 | ₹ 28,238 | ₹ 3,51,024 |
Apr | ₹ 2,267 | ₹ 25,971 | ₹ 28,238 | ₹ 3,25,052 |
May | ₹ 2,099 | ₹ 26,139 | ₹ 28,238 | ₹ 2,98,913 |
Jun | ₹ 1,930 | ₹ 26,308 | ₹ 28,238 | ₹ 2,72,606 |
Jul | ₹ 1,761 | ₹ 26,478 | ₹ 28,238 | ₹ 2,46,128 |
Aug | ₹ 1,590 | ₹ 26,649 | ₹ 28,238 | ₹ 2,19,479 |
Sep | ₹ 1,417 | ₹ 26,821 | ₹ 28,238 | ₹ 1,92,658 |
Oct | ₹ 1,244 | ₹ 26,994 | ₹ 28,238 | ₹ 1,65,664 |
Nov | ₹ 1,070 | ₹ 27,168 | ₹ 28,238 | ₹ 1,38,496 |
Dec | ₹ 894 | ₹ 27,344 | ₹ 28,238 | ₹ 1,11,152 |
2037 | ₹ 1,800 | ₹ 1,11,153 | ₹ 1,12,953 | -₹ 0 |
Jan | ₹ 718 | ₹ 27,520 | ₹ 28,238 | ₹ 83,632 |
Feb | ₹ 540 | ₹ 27,698 | ₹ 28,238 | ₹ 55,934 |
Mar | ₹ 361 | ₹ 27,877 | ₹ 28,238 | ₹ 28,057 |
Apr | ₹ 181 | ₹ 28,057 | ₹ 28,238 | ₹ 0 |
Each PNB Loan Against Property EMI consists of both amounts of interest as well as the principal repaid. The interest component of EMI goes down while the principal component goes up in both cases while doing the calculation.
As you assess the amortization table, you will find that by the end of 1st year 32.53% of your EMI has been used to repay the principal amount. This means that the remaining 67.47% of the EMI went into interest payment. Thus, you end up paying only 3.67% of the loan amount of ₹ 30 Lakh after paying 12 EMIs in the first year to PNB.
In year 15, the interest component of PNB EMI is around 4.07%, while the principal component is around 95.93%. Upto 15 years, you have cumulatively repaid 100% of your total PNB Loan Against Property.
PNB Loan Against Property EMI for ₹ 10 Lakh
The following table shows EMI on PNB loan against property for ₹ 10,00,000 for different tenures at an interest rate of 7.75%
Loan Amount | Interest rate | Tenure (Year) | EMI |
---|---|---|---|
₹ 10,00,000 | 7.75% | 5 Years | ₹ 20,157 |
₹ 10,00,000 | 7.75% | 10 Years | ₹ 12,001 |
₹ 10,00,000 | 7.75% | 12 Years | ₹ 10,688 |
₹ 10,00,000 | 7.75% | 10 Years | ₹ 12,001 |
PNB Loan Against Property EMI for ₹ 25 Lakh
The following table shows PNB loan against property EMI for ₹ 25,00,000 for different tenures at an interest rate of 7.75%
Loan Amount | Interest rate | Tenure (Year) | EMI |
---|---|---|---|
₹ 25,00,000 | 7.75% | 5 Years | ₹ 50,392 |
₹ 25,00,000 | 7.75% | 10 Years | ₹ 30,003 |
₹ 25,00,000 | 7.75% | 12 Years | ₹ 26,720 |
₹ 25,00,000 | 7.75% | 10 Years | ₹ 30,003 |
PNB Mortgage Loan EMI for ₹ 30 Lakh
The following table shows PNB loan against property EMI for ₹ 30,00,000 for different tenures at an interest rate of 7.75%
Loan Amount | Interest rate | Tenure (Year) | EMI |
---|---|---|---|
₹ 30,00,000 | 7.75% | 5 Years | ₹ 60,471 |
₹ 30,00,000 | 7.75% | 10 Years | ₹ 36,003 |
₹ 30,00,000 | 7.75% | 12 Years | ₹ 32,064 |
₹ 30,00,000 | 7.75% | 10 Years | ₹ 36,003 |
FAQs
✅Will the PNB Loan Against Property EMI remain constant or change in future? What happens in case of increase or decrease in interest rate?
PNB Loan against property may change as per the borrower’s financial ability or in case of floating rate of interests offered by the lender. The consequences of the change in PNB LAP EMI are listed as follows:
- Typically, the Loan Against Property EMI remains unchanged unless the customer requests for a change and the same is approved by PNB subject to its eligibility conditions (note that nominal charges may apply for effecting a customer initiated change in EMI).
- In case the floating rate of interest on your loan increases, PNB will typically keep the EMI constant but increase the loan tenure. So, you will pay the same EMI but for a longer duration. In case, the interest rates increase to the extent that the revised loan tenure is more than the maximum permissible by PNB, the bank may increase your EMI amount.
✅Will PNB Loan Against Property EMI change in case of prepayment?
Similar to all loans, PNB Loan against property also offers the prepayment facility to the loan borrowers. Prepayment of loan leads to certain changes as listed below:
- When you make a prepayment, the outstanding principal amount on your property loan reduces. You may choose to either keep the EMI the same and reduce the loan tenure (enabling you to pay off the loan faster) or reduce the EMI and keep the loan tenure unchanged (thus paying a lesser amount every month). It is beneficial to keep the EMI constant and reduce the loan tenure as you pay less interest to the bank in this option.
- Note that PNB may levy prepayment charges except on floating rate property loans sanctioned to individuals.
✅How does EMI calculator calculate PNB Loan Against Property EMI?
PNB Loan against property emi calculator is a reliable and time-saving tool to calculate the LAP EMI. It functions as follows:
- EMI is calculated using a combination of the loan amount, loan tenure and interest rate.
- PNB mortgage loan calculator calculates EMI on a reducing balance basis and assuming payment of EMI in arrears (that is interest is charged for the month preceding the date of EMI payment on EMI date) and not in advance.
✅How much loan can I get against my property from PNB?
You can avail of a maximum loan of ₹ 5,00,00,000, depending on the value of the property. However, the loan amount cannot be more than 50% of the property value. PNB assesses the property before approving your mortgage loan application.
✅How to pay your PNB Mortgage loan EMI Online?
You can pay the PNB mortgage loan EMI by logging in to your net banking account as provided when availing of the loan using your savings account or debit/credit card. You can also visit the PNB branch to submit the cheque of your EMI.
✅What is the EMI for ₹ 10 Lakh mortgage loan in PNB?
To determine different EMI for different tenures, you can use a 10 lakh loan against property EMI Calculator. Consider this example for a better understanding.
Loan amount | Interest rate | Tenure | EMI |
---|---|---|---|
₹ 10 Lakh | 7.75% | 5 years | ₹ 20,157 |
₹ 10 Lakh | 7.75% | 10 years | ₹ 12,001 |
₹ 10 Lakh | 7.75% | 12 years | ₹ 10,688 |
₹ 10 Lakh | 7.75% | 10 years | ₹ 12,001 |
✅How is PNB loan against property EMI calculated?
You can calculate PNB LAP EMI using the mathematical formula mentioned below or using an online PNB LAP EMI Calculator.
- E = [P x R x (1+R)^N]/[(1+R)^N-1] where
- ‘E’ means Equated monthly instalments
- ‘P’ means the principal amount
- ‘N’ is the number of monthly instalments
- ‘R’ is the interest rate per month.
✅What is the EMI for ₹ 20 Lakh Loan against property in PNB?
To determine different Loan against property EMI PNB for different tenures, you can use a 20 lakh loan against property Calculator, as reflected in the table below:
Loan amount | Interest rate | Tenure | EMI |
---|---|---|---|
₹ 20 Lakh | 7.75% | 5 years | ₹ 40,314 |
₹ 20 Lakh | 7.75% | 10 years | ₹ 24,002 |
₹ 20 Lakh | 7.75% | 12 years | ₹ 21,376 |
₹ 20 Lakh | 7.75% | 10 years | ₹ 24,002 |
✅What is the EMI for ₹ 30 Lakh mortgage loan in PNB?
To determine different PNB EMI for different tenures, you can use a 30 lakh loan against property EMI Calculator.
Loan amount | Interest rate | Tenure | EMI |
---|---|---|---|
₹ 30 Lakh | 7.75% | 5 years | ₹ 60,471 |
₹ 30 Lakh | 7.75% | 10 years | ₹ 36,003 |
₹ 30 Lakh | 7.75% | 12 years | ₹ 32,064 |
₹ 30 Lakh | 7.75% | 10 years | ₹ 36,003 |
✅What is the EMI for ₹ 50 Lakh mortgage loan in PNB?
To estimate PNB EMI for different loans against property tenures, you can use a 50 lakh mortgage Calculator. The results are mentioned as follows:
Loan amount | Interest rate | Tenure | EMI |
---|---|---|---|
₹ 50 Lakh | 7.75% | 5 years | ₹ 1,00,785 |
₹ 50 Lakh | 7.75% | 10 years | ₹ 60,005 |
₹ 50 Lakh | 7.75% | 12 years | ₹ 53,440 |
₹ 50 Lakh | 7.75% | 10 years | ₹ 60,005 |
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