PNB Home Loan Calculator
Calculate your PNB home loan EMI, eligibility based on salary, and mortgage details for India and Philippines. Plan your Punjab National Bank home loan with instant results for 2025. Export to Excel.
Loan Details
Summary
Monthly EMI
₹35,348
Total Interest
₹44,83,623
Total Payment
₹84,83,623
Monthly Payment Breakdown
Principal & Interest:₹35,348
Total Monthly Payment:₹35,348
Prepayment Savings
Interest Saved: ₹0
Payment Schedule
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | 1 December 2025 | ₹40,00,000.00 | ₹6,181.76 | ₹29,166.67 | ₹0.00 | ₹35,348.43 | ₹39,93,818.24 |
| 2 | 1 January 2026 | ₹39,93,818.24 | ₹6,226.84 | ₹29,121.59 | ₹0.00 | ₹35,348.43 | ₹39,87,591.40 |
| 3 | 1 February 2026 | ₹39,87,591.40 | ₹6,272.24 | ₹29,076.19 | ₹0.00 | ₹35,348.43 | ₹39,81,319.16 |
| 4 | 1 March 2026 | ₹39,81,319.16 | ₹6,317.98 | ₹29,030.45 | ₹0.00 | ₹35,348.43 | ₹39,75,001.18 |
| 5 | 1 April 2026 | ₹39,75,001.18 | ₹6,364.04 | ₹28,984.38 | ₹0.00 | ₹35,348.43 | ₹39,68,637.14 |
| 6 | 1 May 2026 | ₹39,68,637.14 | ₹6,410.45 | ₹28,937.98 | ₹0.00 | ₹35,348.43 | ₹39,62,226.69 |
| 7 | 1 June 2026 | ₹39,62,226.69 | ₹6,457.19 | ₹28,891.24 | ₹0.00 | ₹35,348.43 | ₹39,55,769.50 |
| 8 | 1 July 2026 | ₹39,55,769.50 | ₹6,504.28 | ₹28,844.15 | ₹0.00 | ₹35,348.43 | ₹39,49,265.22 |
| 9 | 1 August 2026 | ₹39,49,265.22 | ₹6,551.70 | ₹28,796.73 | ₹0.00 | ₹35,348.43 | ₹39,42,713.52 |
| 10 | 1 September 2026 | ₹39,42,713.52 | ₹6,599.48 | ₹28,748.95 | ₹0.00 | ₹35,348.43 | ₹39,36,114.04 |
| 11 | 1 October 2026 | ₹39,36,114.04 | ₹6,647.60 | ₹28,700.83 | ₹0.00 | ₹35,348.43 | ₹39,29,466.45 |
| 12 | 1 November 2026 | ₹39,29,466.45 | ₹6,696.07 | ₹28,652.36 | ₹0.00 | ₹35,348.43 | ₹39,22,770.38 |
| 13 | 1 December 2026 | ₹39,22,770.38 | ₹6,744.89 | ₹28,603.53 | ₹0.00 | ₹35,348.43 | ₹39,16,025.48 |
| 14 | 1 January 2027 | ₹39,16,025.48 | ₹6,794.08 | ₹28,554.35 | ₹0.00 | ₹35,348.43 | ₹39,09,231.41 |
| 15 | 1 February 2027 | ₹39,09,231.41 | ₹6,843.62 | ₹28,504.81 | ₹0.00 | ₹35,348.43 | ₹39,02,387.79 |
| 16 | 1 March 2027 | ₹39,02,387.79 | ₹6,893.52 | ₹28,454.91 | ₹0.00 | ₹35,348.43 | ₹38,95,494.27 |
| 17 | 1 April 2027 | ₹38,95,494.27 | ₹6,943.78 | ₹28,404.65 | ₹0.00 | ₹35,348.43 | ₹38,88,550.49 |
| 18 | 1 May 2027 | ₹38,88,550.49 | ₹6,994.41 | ₹28,354.01 | ₹0.00 | ₹35,348.43 | ₹38,81,556.08 |
| 19 | 1 June 2027 | ₹38,81,556.08 | ₹7,045.42 | ₹28,303.01 | ₹0.00 | ₹35,348.43 | ₹38,74,510.66 |
| 20 | 1 July 2027 | ₹38,74,510.66 | ₹7,096.79 | ₹28,251.64 | ₹0.00 | ₹35,348.43 | ₹38,67,413.87 |
| 21 | 1 August 2027 | ₹38,67,413.87 | ₹7,148.54 | ₹28,199.89 | ₹0.00 | ₹35,348.43 | ₹38,60,265.34 |
| 22 | 1 September 2027 | ₹38,60,265.34 | ₹7,200.66 | ₹28,147.77 | ₹0.00 | ₹35,348.43 | ₹38,53,064.68 |
| 23 | 1 October 2027 | ₹38,53,064.68 | ₹7,253.17 | ₹28,095.26 | ₹0.00 | ₹35,348.43 | ₹38,45,811.51 |
| 24 | 1 November 2027 | ₹38,45,811.51 | ₹7,306.05 | ₹28,042.38 | ₹0.00 | ₹35,348.43 | ₹38,38,505.46 |
| 25 | 1 December 2027 | ₹38,38,505.46 | ₹7,359.33 | ₹27,989.10 | ₹0.00 | ₹35,348.43 | ₹38,31,146.13 |
| 26 | 1 January 2028 | ₹38,31,146.13 | ₹7,412.99 | ₹27,935.44 | ₹0.00 | ₹35,348.43 | ₹38,23,733.15 |
| 27 | 1 February 2028 | ₹38,23,733.15 | ₹7,467.04 | ₹27,881.39 | ₹0.00 | ₹35,348.43 | ₹38,16,266.11 |
| 28 | 1 March 2028 | ₹38,16,266.11 | ₹7,521.49 | ₹27,826.94 | ₹0.00 | ₹35,348.43 | ₹38,08,744.62 |
| 29 | 1 April 2028 | ₹38,08,744.62 | ₹7,576.33 | ₹27,772.10 | ₹0.00 | ₹35,348.43 | ₹38,01,168.29 |
| 30 | 1 May 2028 | ₹38,01,168.29 | ₹7,631.58 | ₹27,716.85 | ₹0.00 | ₹35,348.43 | ₹37,93,536.71 |
| 31 | 1 June 2028 | ₹37,93,536.71 | ₹7,687.22 | ₹27,661.21 | ₹0.00 | ₹35,348.43 | ₹37,85,849.49 |
| 32 | 1 July 2028 | ₹37,85,849.49 | ₹7,743.28 | ₹27,605.15 | ₹0.00 | ₹35,348.43 | ₹37,78,106.21 |
| 33 | 1 August 2028 | ₹37,78,106.21 | ₹7,799.74 | ₹27,548.69 | ₹0.00 | ₹35,348.43 | ₹37,70,306.47 |
| 34 | 1 September 2028 | ₹37,70,306.47 | ₹7,856.61 | ₹27,491.82 | ₹0.00 | ₹35,348.43 | ₹37,62,449.86 |
| 35 | 1 October 2028 | ₹37,62,449.86 | ₹7,913.90 | ₹27,434.53 | ₹0.00 | ₹35,348.43 | ₹37,54,535.96 |
| 36 | 1 November 2028 | ₹37,54,535.96 | ₹7,971.60 | ₹27,376.82 | ₹0.00 | ₹35,348.43 | ₹37,46,564.36 |
| 37 | 1 December 2028 | ₹37,46,564.36 | ₹8,029.73 | ₹27,318.70 | ₹0.00 | ₹35,348.43 | ₹37,38,534.63 |
| 38 | 1 January 2029 | ₹37,38,534.63 | ₹8,088.28 | ₹27,260.15 | ₹0.00 | ₹35,348.43 | ₹37,30,446.35 |
| 39 | 1 February 2029 | ₹37,30,446.35 | ₹8,147.26 | ₹27,201.17 | ₹0.00 | ₹35,348.43 | ₹37,22,299.09 |
| 40 | 1 March 2029 | ₹37,22,299.09 | ₹8,206.66 | ₹27,141.76 | ₹0.00 | ₹35,348.43 | ₹37,14,092.43 |
| 41 | 1 April 2029 | ₹37,14,092.43 | ₹8,266.50 | ₹27,081.92 | ₹0.00 | ₹35,348.43 | ₹37,05,825.93 |
| 42 | 1 May 2029 | ₹37,05,825.93 | ₹8,326.78 | ₹27,021.65 | ₹0.00 | ₹35,348.43 | ₹36,97,499.14 |
| 43 | 1 June 2029 | ₹36,97,499.14 | ₹8,387.50 | ₹26,960.93 | ₹0.00 | ₹35,348.43 | ₹36,89,111.65 |
| 44 | 1 July 2029 | ₹36,89,111.65 | ₹8,448.66 | ₹26,899.77 | ₹0.00 | ₹35,348.43 | ₹36,80,662.99 |
| 45 | 1 August 2029 | ₹36,80,662.99 | ₹8,510.26 | ₹26,838.17 | ₹0.00 | ₹35,348.43 | ₹36,72,152.73 |
| 46 | 1 September 2029 | ₹36,72,152.73 | ₹8,572.31 | ₹26,776.11 | ₹0.00 | ₹35,348.43 | ₹36,63,580.42 |
| 47 | 1 October 2029 | ₹36,63,580.42 | ₹8,634.82 | ₹26,713.61 | ₹0.00 | ₹35,348.43 | ₹36,54,945.60 |
| 48 | 1 November 2029 | ₹36,54,945.60 | ₹8,697.78 | ₹26,650.64 | ₹0.00 | ₹35,348.43 | ₹36,46,247.81 |
| 49 | 1 December 2029 | ₹36,46,247.81 | ₹8,761.20 | ₹26,587.22 | ₹0.00 | ₹35,348.43 | ₹36,37,486.61 |
| 50 | 1 January 2030 | ₹36,37,486.61 | ₹8,825.09 | ₹26,523.34 | ₹0.00 | ₹35,348.43 | ₹36,28,661.52 |
| 51 | 1 February 2030 | ₹36,28,661.52 | ₹8,889.44 | ₹26,458.99 | ₹0.00 | ₹35,348.43 | ₹36,19,772.08 |
| 52 | 1 March 2030 | ₹36,19,772.08 | ₹8,954.26 | ₹26,394.17 | ₹0.00 | ₹35,348.43 | ₹36,10,817.82 |
| 53 | 1 April 2030 | ₹36,10,817.82 | ₹9,019.55 | ₹26,328.88 | ₹0.00 | ₹35,348.43 | ₹36,01,798.28 |
| 54 | 1 May 2030 | ₹36,01,798.28 | ₹9,085.32 | ₹26,263.11 | ₹0.00 | ₹35,348.43 | ₹35,92,712.96 |
| 55 | 1 June 2030 | ₹35,92,712.96 | ₹9,151.56 | ₹26,196.87 | ₹0.00 | ₹35,348.43 | ₹35,83,561.40 |
| 56 | 1 July 2030 | ₹35,83,561.40 | ₹9,218.29 | ₹26,130.14 | ₹0.00 | ₹35,348.43 | ₹35,74,343.10 |
| 57 | 1 August 2030 | ₹35,74,343.10 | ₹9,285.51 | ₹26,062.92 | ₹0.00 | ₹35,348.43 | ₹35,65,057.59 |
| 58 | 1 September 2030 | ₹35,65,057.59 | ₹9,353.22 | ₹25,995.21 | ₹0.00 | ₹35,348.43 | ₹35,55,704.38 |
| 59 | 1 October 2030 | ₹35,55,704.38 | ₹9,421.42 | ₹25,927.01 | ₹0.00 | ₹35,348.43 | ₹35,46,282.96 |
| 60 | 1 November 2030 | ₹35,46,282.96 | ₹9,490.12 | ₹25,858.31 | ₹0.00 | ₹35,348.43 | ₹35,36,792.84 |
| 61 | 1 December 2030 | ₹35,36,792.84 | ₹9,559.31 | ₹25,789.11 | ₹0.00 | ₹35,348.43 | ₹35,27,233.53 |
| 62 | 1 January 2031 | ₹35,27,233.53 | ₹9,629.02 | ₹25,719.41 | ₹0.00 | ₹35,348.43 | ₹35,17,604.51 |
| 63 | 1 February 2031 | ₹35,17,604.51 | ₹9,699.23 | ₹25,649.20 | ₹0.00 | ₹35,348.43 | ₹35,07,905.28 |
| 64 | 1 March 2031 | ₹35,07,905.28 | ₹9,769.95 | ₹25,578.48 | ₹0.00 | ₹35,348.43 | ₹34,98,135.33 |
| 65 | 1 April 2031 | ₹34,98,135.33 | ₹9,841.19 | ₹25,507.24 | ₹0.00 | ₹35,348.43 | ₹34,88,294.14 |
| 66 | 1 May 2031 | ₹34,88,294.14 | ₹9,912.95 | ₹25,435.48 | ₹0.00 | ₹35,348.43 | ₹34,78,381.19 |
| 67 | 1 June 2031 | ₹34,78,381.19 | ₹9,985.23 | ₹25,363.20 | ₹0.00 | ₹35,348.43 | ₹34,68,395.96 |
| 68 | 1 July 2031 | ₹34,68,395.96 | ₹10,058.04 | ₹25,290.39 | ₹0.00 | ₹35,348.43 | ₹34,58,337.92 |
| 69 | 1 August 2031 | ₹34,58,337.92 | ₹10,131.38 | ₹25,217.05 | ₹0.00 | ₹35,348.43 | ₹34,48,206.54 |
| 70 | 1 September 2031 | ₹34,48,206.54 | ₹10,205.26 | ₹25,143.17 | ₹0.00 | ₹35,348.43 | ₹34,38,001.28 |
| 71 | 1 October 2031 | ₹34,38,001.28 | ₹10,279.67 | ₹25,068.76 | ₹0.00 | ₹35,348.43 | ₹34,27,721.61 |
| 72 | 1 November 2031 | ₹34,27,721.61 | ₹10,354.62 | ₹24,993.80 | ₹0.00 | ₹35,348.43 | ₹34,17,366.99 |
| 73 | 1 December 2031 | ₹34,17,366.99 | ₹10,430.13 | ₹24,918.30 | ₹0.00 | ₹35,348.43 | ₹34,06,936.86 |
| 74 | 1 January 2032 | ₹34,06,936.86 | ₹10,506.18 | ₹24,842.25 | ₹0.00 | ₹35,348.43 | ₹33,96,430.68 |
| 75 | 1 February 2032 | ₹33,96,430.68 | ₹10,582.79 | ₹24,765.64 | ₹0.00 | ₹35,348.43 | ₹33,85,847.89 |
| 76 | 1 March 2032 | ₹33,85,847.89 | ₹10,659.95 | ₹24,688.47 | ₹0.00 | ₹35,348.43 | ₹33,75,187.94 |
| 77 | 1 April 2032 | ₹33,75,187.94 | ₹10,737.68 | ₹24,610.75 | ₹0.00 | ₹35,348.43 | ₹33,64,450.25 |
| 78 | 1 May 2032 | ₹33,64,450.25 | ₹10,815.98 | ₹24,532.45 | ₹0.00 | ₹35,348.43 | ₹33,53,634.27 |
| 79 | 1 June 2032 | ₹33,53,634.27 | ₹10,894.85 | ₹24,453.58 | ₹0.00 | ₹35,348.43 | ₹33,42,739.43 |
| 80 | 1 July 2032 | ₹33,42,739.43 | ₹10,974.29 | ₹24,374.14 | ₹0.00 | ₹35,348.43 | ₹33,31,765.14 |
| 81 | 1 August 2032 | ₹33,31,765.14 | ₹11,054.31 | ₹24,294.12 | ₹0.00 | ₹35,348.43 | ₹33,20,710.84 |
| 82 | 1 September 2032 | ₹33,20,710.84 | ₹11,134.91 | ₹24,213.52 | ₹0.00 | ₹35,348.43 | ₹33,09,575.92 |
| 83 | 1 October 2032 | ₹33,09,575.92 | ₹11,216.10 | ₹24,132.32 | ₹0.00 | ₹35,348.43 | ₹32,98,359.82 |
| 84 | 1 November 2032 | ₹32,98,359.82 | ₹11,297.89 | ₹24,050.54 | ₹0.00 | ₹35,348.43 | ₹32,87,061.93 |
| 85 | 1 December 2032 | ₹32,87,061.93 | ₹11,380.27 | ₹23,968.16 | ₹0.00 | ₹35,348.43 | ₹32,75,681.66 |
| 86 | 1 January 2033 | ₹32,75,681.66 | ₹11,463.25 | ₹23,885.18 | ₹0.00 | ₹35,348.43 | ₹32,64,218.41 |
| 87 | 1 February 2033 | ₹32,64,218.41 | ₹11,546.84 | ₹23,801.59 | ₹0.00 | ₹35,348.43 | ₹32,52,671.58 |
| 88 | 1 March 2033 | ₹32,52,671.58 | ₹11,631.03 | ₹23,717.40 | ₹0.00 | ₹35,348.43 | ₹32,41,040.55 |
| 89 | 1 April 2033 | ₹32,41,040.55 | ₹11,715.84 | ₹23,632.59 | ₹0.00 | ₹35,348.43 | ₹32,29,324.71 |
| 90 | 1 May 2033 | ₹32,29,324.71 | ₹11,801.27 | ₹23,547.16 | ₹0.00 | ₹35,348.43 | ₹32,17,523.44 |
| 91 | 1 June 2033 | ₹32,17,523.44 | ₹11,887.32 | ₹23,461.11 | ₹0.00 | ₹35,348.43 | ₹32,05,636.12 |
| 92 | 1 July 2033 | ₹32,05,636.12 | ₹11,974.00 | ₹23,374.43 | ₹0.00 | ₹35,348.43 | ₹31,93,662.12 |
| 93 | 1 August 2033 | ₹31,93,662.12 | ₹12,061.31 | ₹23,287.12 | ₹0.00 | ₹35,348.43 | ₹31,81,600.81 |
| 94 | 1 September 2033 | ₹31,81,600.81 | ₹12,149.26 | ₹23,199.17 | ₹0.00 | ₹35,348.43 | ₹31,69,451.55 |
| 95 | 1 October 2033 | ₹31,69,451.55 | ₹12,237.84 | ₹23,110.58 | ₹0.00 | ₹35,348.43 | ₹31,57,213.71 |
| 96 | 1 November 2033 | ₹31,57,213.71 | ₹12,327.08 | ₹23,021.35 | ₹0.00 | ₹35,348.43 | ₹31,44,886.63 |
| 97 | 1 December 2033 | ₹31,44,886.63 | ₹12,416.96 | ₹22,931.47 | ₹0.00 | ₹35,348.43 | ₹31,32,469.67 |
| 98 | 1 January 2034 | ₹31,32,469.67 | ₹12,507.50 | ₹22,840.92 | ₹0.00 | ₹35,348.43 | ₹31,19,962.16 |
| 99 | 1 February 2034 | ₹31,19,962.16 | ₹12,598.70 | ₹22,749.72 | ₹0.00 | ₹35,348.43 | ₹31,07,363.46 |
| 100 | 1 March 2034 | ₹31,07,363.46 | ₹12,690.57 | ₹22,657.86 | ₹0.00 | ₹35,348.43 | ₹30,94,672.89 |
| 101 | 1 April 2034 | ₹30,94,672.89 | ₹12,783.11 | ₹22,565.32 | ₹0.00 | ₹35,348.43 | ₹30,81,889.78 |
| 102 | 1 May 2034 | ₹30,81,889.78 | ₹12,876.32 | ₹22,472.11 | ₹0.00 | ₹35,348.43 | ₹30,69,013.47 |
| 103 | 1 June 2034 | ₹30,69,013.47 | ₹12,970.21 | ₹22,378.22 | ₹0.00 | ₹35,348.43 | ₹30,56,043.26 |
| 104 | 1 July 2034 | ₹30,56,043.26 | ₹13,064.78 | ₹22,283.65 | ₹0.00 | ₹35,348.43 | ₹30,42,978.48 |
| 105 | 1 August 2034 | ₹30,42,978.48 | ₹13,160.04 | ₹22,188.38 | ₹0.00 | ₹35,348.43 | ₹30,29,818.44 |
| 106 | 1 September 2034 | ₹30,29,818.44 | ₹13,256.00 | ₹22,092.43 | ₹0.00 | ₹35,348.43 | ₹30,16,562.44 |
| 107 | 1 October 2034 | ₹30,16,562.44 | ₹13,352.66 | ₹21,995.77 | ₹0.00 | ₹35,348.43 | ₹30,03,209.78 |
| 108 | 1 November 2034 | ₹30,03,209.78 | ₹13,450.02 | ₹21,898.40 | ₹0.00 | ₹35,348.43 | ₹29,89,759.75 |
| 109 | 1 December 2034 | ₹29,89,759.75 | ₹13,548.10 | ₹21,800.33 | ₹0.00 | ₹35,348.43 | ₹29,76,211.66 |
| 110 | 1 January 2035 | ₹29,76,211.66 | ₹13,646.89 | ₹21,701.54 | ₹0.00 | ₹35,348.43 | ₹29,62,564.77 |
| 111 | 1 February 2035 | ₹29,62,564.77 | ₹13,746.39 | ₹21,602.03 | ₹0.00 | ₹35,348.43 | ₹29,48,818.38 |
| 112 | 1 March 2035 | ₹29,48,818.38 | ₹13,846.63 | ₹21,501.80 | ₹0.00 | ₹35,348.43 | ₹29,34,971.75 |
| 113 | 1 April 2035 | ₹29,34,971.75 | ₹13,947.59 | ₹21,400.84 | ₹0.00 | ₹35,348.43 | ₹29,21,024.16 |
| 114 | 1 May 2035 | ₹29,21,024.16 | ₹14,049.29 | ₹21,299.13 | ₹0.00 | ₹35,348.43 | ₹29,06,974.86 |
| 115 | 1 June 2035 | ₹29,06,974.86 | ₹14,151.74 | ₹21,196.69 | ₹0.00 | ₹35,348.43 | ₹28,92,823.13 |
| 116 | 1 July 2035 | ₹28,92,823.13 | ₹14,254.93 | ₹21,093.50 | ₹0.00 | ₹35,348.43 | ₹28,78,568.20 |
| 117 | 1 August 2035 | ₹28,78,568.20 | ₹14,358.87 | ₹20,989.56 | ₹0.00 | ₹35,348.43 | ₹28,64,209.33 |
| 118 | 1 September 2035 | ₹28,64,209.33 | ₹14,463.57 | ₹20,884.86 | ₹0.00 | ₹35,348.43 | ₹28,49,745.76 |
| 119 | 1 October 2035 | ₹28,49,745.76 | ₹14,569.03 | ₹20,779.40 | ₹0.00 | ₹35,348.43 | ₹28,35,176.73 |
| 120 | 1 November 2035 | ₹28,35,176.73 | ₹14,675.26 | ₹20,673.16 | ₹0.00 | ₹35,348.43 | ₹28,20,501.47 |
| 121 | 1 December 2035 | ₹28,20,501.47 | ₹14,782.27 | ₹20,566.16 | ₹0.00 | ₹35,348.43 | ₹28,05,719.20 |
| 122 | 1 January 2036 | ₹28,05,719.20 | ₹14,890.06 | ₹20,458.37 | ₹0.00 | ₹35,348.43 | ₹27,90,829.14 |
| 123 | 1 February 2036 | ₹27,90,829.14 | ₹14,998.63 | ₹20,349.80 | ₹0.00 | ₹35,348.43 | ₹27,75,830.50 |
| 124 | 1 March 2036 | ₹27,75,830.50 | ₹15,108.00 | ₹20,240.43 | ₹0.00 | ₹35,348.43 | ₹27,60,722.51 |
| 125 | 1 April 2036 | ₹27,60,722.51 | ₹15,218.16 | ₹20,130.27 | ₹0.00 | ₹35,348.43 | ₹27,45,504.35 |
| 126 | 1 May 2036 | ₹27,45,504.35 | ₹15,329.13 | ₹20,019.30 | ₹0.00 | ₹35,348.43 | ₹27,30,175.22 |
| 127 | 1 June 2036 | ₹27,30,175.22 | ₹15,440.90 | ₹19,907.53 | ₹0.00 | ₹35,348.43 | ₹27,14,734.32 |
| 128 | 1 July 2036 | ₹27,14,734.32 | ₹15,553.49 | ₹19,794.94 | ₹0.00 | ₹35,348.43 | ₹26,99,180.83 |
| 129 | 1 August 2036 | ₹26,99,180.83 | ₹15,666.90 | ₹19,681.53 | ₹0.00 | ₹35,348.43 | ₹26,83,513.93 |
| 130 | 1 September 2036 | ₹26,83,513.93 | ₹15,781.14 | ₹19,567.29 | ₹0.00 | ₹35,348.43 | ₹26,67,732.79 |
| 131 | 1 October 2036 | ₹26,67,732.79 | ₹15,896.21 | ₹19,452.22 | ₹0.00 | ₹35,348.43 | ₹26,51,836.58 |
| 132 | 1 November 2036 | ₹26,51,836.58 | ₹16,012.12 | ₹19,336.31 | ₹0.00 | ₹35,348.43 | ₹26,35,824.46 |
| 133 | 1 December 2036 | ₹26,35,824.46 | ₹16,128.88 | ₹19,219.55 | ₹0.00 | ₹35,348.43 | ₹26,19,695.58 |
| 134 | 1 January 2037 | ₹26,19,695.58 | ₹16,246.48 | ₹19,101.95 | ₹0.00 | ₹35,348.43 | ₹26,03,449.10 |
| 135 | 1 February 2037 | ₹26,03,449.10 | ₹16,364.95 | ₹18,983.48 | ₹0.00 | ₹35,348.43 | ₹25,87,084.16 |
| 136 | 1 March 2037 | ₹25,87,084.16 | ₹16,484.27 | ₹18,864.16 | ₹0.00 | ₹35,348.43 | ₹25,70,599.88 |
| 137 | 1 April 2037 | ₹25,70,599.88 | ₹16,604.47 | ₹18,743.96 | ₹0.00 | ₹35,348.43 | ₹25,53,995.41 |
| 138 | 1 May 2037 | ₹25,53,995.41 | ₹16,725.55 | ₹18,622.88 | ₹0.00 | ₹35,348.43 | ₹25,37,269.87 |
| 139 | 1 June 2037 | ₹25,37,269.87 | ₹16,847.50 | ₹18,500.93 | ₹0.00 | ₹35,348.43 | ₹25,20,422.37 |
| 140 | 1 July 2037 | ₹25,20,422.37 | ₹16,970.35 | ₹18,378.08 | ₹0.00 | ₹35,348.43 | ₹25,03,452.02 |
| 141 | 1 August 2037 | ₹25,03,452.02 | ₹17,094.09 | ₹18,254.34 | ₹0.00 | ₹35,348.43 | ₹24,86,357.93 |
| 142 | 1 September 2037 | ₹24,86,357.93 | ₹17,218.74 | ₹18,129.69 | ₹0.00 | ₹35,348.43 | ₹24,69,139.19 |
| 143 | 1 October 2037 | ₹24,69,139.19 | ₹17,344.29 | ₹18,004.14 | ₹0.00 | ₹35,348.43 | ₹24,51,794.90 |
| 144 | 1 November 2037 | ₹24,51,794.90 | ₹17,470.76 | ₹17,877.67 | ₹0.00 | ₹35,348.43 | ₹24,34,324.15 |
| 145 | 1 December 2037 | ₹24,34,324.15 | ₹17,598.15 | ₹17,750.28 | ₹0.00 | ₹35,348.43 | ₹24,16,726.00 |
| 146 | 1 January 2038 | ₹24,16,726.00 | ₹17,726.47 | ₹17,621.96 | ₹0.00 | ₹35,348.43 | ₹23,98,999.53 |
| 147 | 1 February 2038 | ₹23,98,999.53 | ₹17,855.72 | ₹17,492.70 | ₹0.00 | ₹35,348.43 | ₹23,81,143.81 |
| 148 | 1 March 2038 | ₹23,81,143.81 | ₹17,985.92 | ₹17,362.51 | ₹0.00 | ₹35,348.43 | ₹23,63,157.88 |
| 149 | 1 April 2038 | ₹23,63,157.88 | ₹18,117.07 | ₹17,231.36 | ₹0.00 | ₹35,348.43 | ₹23,45,040.82 |
| 150 | 1 May 2038 | ₹23,45,040.82 | ₹18,249.17 | ₹17,099.26 | ₹0.00 | ₹35,348.43 | ₹23,26,791.64 |
| 151 | 1 June 2038 | ₹23,26,791.64 | ₹18,382.24 | ₹16,966.19 | ₹0.00 | ₹35,348.43 | ₹23,08,409.40 |
| 152 | 1 July 2038 | ₹23,08,409.40 | ₹18,516.28 | ₹16,832.15 | ₹0.00 | ₹35,348.43 | ₹22,89,893.13 |
| 153 | 1 August 2038 | ₹22,89,893.13 | ₹18,651.29 | ₹16,697.14 | ₹0.00 | ₹35,348.43 | ₹22,71,241.84 |
| 154 | 1 September 2038 | ₹22,71,241.84 | ₹18,787.29 | ₹16,561.14 | ₹0.00 | ₹35,348.43 | ₹22,52,454.55 |
| 155 | 1 October 2038 | ₹22,52,454.55 | ₹18,924.28 | ₹16,424.15 | ₹0.00 | ₹35,348.43 | ₹22,33,530.27 |
| 156 | 1 November 2038 | ₹22,33,530.27 | ₹19,062.27 | ₹16,286.16 | ₹0.00 | ₹35,348.43 | ₹22,14,468.00 |
| 157 | 1 December 2038 | ₹22,14,468.00 | ₹19,201.27 | ₹16,147.16 | ₹0.00 | ₹35,348.43 | ₹21,95,266.73 |
| 158 | 1 January 2039 | ₹21,95,266.73 | ₹19,341.28 | ₹16,007.15 | ₹0.00 | ₹35,348.43 | ₹21,75,925.45 |
| 159 | 1 February 2039 | ₹21,75,925.45 | ₹19,482.31 | ₹15,866.12 | ₹0.00 | ₹35,348.43 | ₹21,56,443.15 |
| 160 | 1 March 2039 | ₹21,56,443.15 | ₹19,624.36 | ₹15,724.06 | ₹0.00 | ₹35,348.43 | ₹21,36,818.79 |
| 161 | 1 April 2039 | ₹21,36,818.79 | ₹19,767.46 | ₹15,580.97 | ₹0.00 | ₹35,348.43 | ₹21,17,051.33 |
| 162 | 1 May 2039 | ₹21,17,051.33 | ₹19,911.60 | ₹15,436.83 | ₹0.00 | ₹35,348.43 | ₹20,97,139.73 |
| 163 | 1 June 2039 | ₹20,97,139.73 | ₹20,056.78 | ₹15,291.64 | ₹0.00 | ₹35,348.43 | ₹20,77,082.95 |
| 164 | 1 July 2039 | ₹20,77,082.95 | ₹20,203.03 | ₹15,145.40 | ₹0.00 | ₹35,348.43 | ₹20,56,879.92 |
| 165 | 1 August 2039 | ₹20,56,879.92 | ₹20,350.35 | ₹14,998.08 | ₹0.00 | ₹35,348.43 | ₹20,36,529.57 |
| 166 | 1 September 2039 | ₹20,36,529.57 | ₹20,498.73 | ₹14,849.69 | ₹0.00 | ₹35,348.43 | ₹20,16,030.84 |
| 167 | 1 October 2039 | ₹20,16,030.84 | ₹20,648.20 | ₹14,700.22 | ₹0.00 | ₹35,348.43 | ₹19,95,382.63 |
| 168 | 1 November 2039 | ₹19,95,382.63 | ₹20,798.76 | ₹14,549.67 | ₹0.00 | ₹35,348.43 | ₹19,74,583.87 |
| 169 | 1 December 2039 | ₹19,74,583.87 | ₹20,950.42 | ₹14,398.01 | ₹0.00 | ₹35,348.43 | ₹19,53,633.45 |
| 170 | 1 January 2040 | ₹19,53,633.45 | ₹21,103.18 | ₹14,245.24 | ₹0.00 | ₹35,348.43 | ₹19,32,530.26 |
| 171 | 1 February 2040 | ₹19,32,530.26 | ₹21,257.06 | ₹14,091.37 | ₹0.00 | ₹35,348.43 | ₹19,11,273.20 |
| 172 | 1 March 2040 | ₹19,11,273.20 | ₹21,412.06 | ₹13,936.37 | ₹0.00 | ₹35,348.43 | ₹18,89,861.14 |
| 173 | 1 April 2040 | ₹18,89,861.14 | ₹21,568.19 | ₹13,780.24 | ₹0.00 | ₹35,348.43 | ₹18,68,292.95 |
| 174 | 1 May 2040 | ₹18,68,292.95 | ₹21,725.46 | ₹13,622.97 | ₹0.00 | ₹35,348.43 | ₹18,46,567.49 |
| 175 | 1 June 2040 | ₹18,46,567.49 | ₹21,883.87 | ₹13,464.55 | ₹0.00 | ₹35,348.43 | ₹18,24,683.62 |
| 176 | 1 July 2040 | ₹18,24,683.62 | ₹22,043.44 | ₹13,304.98 | ₹0.00 | ₹35,348.43 | ₹18,02,640.17 |
| 177 | 1 August 2040 | ₹18,02,640.17 | ₹22,204.18 | ₹13,144.25 | ₹0.00 | ₹35,348.43 | ₹17,80,436.00 |
| 178 | 1 September 2040 | ₹17,80,436.00 | ₹22,366.08 | ₹12,982.35 | ₹0.00 | ₹35,348.43 | ₹17,58,069.91 |
| 179 | 1 October 2040 | ₹17,58,069.91 | ₹22,529.17 | ₹12,819.26 | ₹0.00 | ₹35,348.43 | ₹17,35,540.75 |
| 180 | 1 November 2040 | ₹17,35,540.75 | ₹22,693.44 | ₹12,654.98 | ₹0.00 | ₹35,348.43 | ₹17,12,847.30 |
| 181 | 1 December 2040 | ₹17,12,847.30 | ₹22,858.92 | ₹12,489.51 | ₹0.00 | ₹35,348.43 | ₹16,89,988.38 |
| 182 | 1 January 2041 | ₹16,89,988.38 | ₹23,025.60 | ₹12,322.83 | ₹0.00 | ₹35,348.43 | ₹16,66,962.79 |
| 183 | 1 February 2041 | ₹16,66,962.79 | ₹23,193.49 | ₹12,154.94 | ₹0.00 | ₹35,348.43 | ₹16,43,769.30 |
| 184 | 1 March 2041 | ₹16,43,769.30 | ₹23,362.61 | ₹11,985.82 | ₹0.00 | ₹35,348.43 | ₹16,20,406.69 |
| 185 | 1 April 2041 | ₹16,20,406.69 | ₹23,532.96 | ₹11,815.47 | ₹0.00 | ₹35,348.43 | ₹15,96,873.72 |
| 186 | 1 May 2041 | ₹15,96,873.72 | ₹23,704.56 | ₹11,643.87 | ₹0.00 | ₹35,348.43 | ₹15,73,169.17 |
| 187 | 1 June 2041 | ₹15,73,169.17 | ₹23,877.40 | ₹11,471.03 | ₹0.00 | ₹35,348.43 | ₹15,49,291.76 |
| 188 | 1 July 2041 | ₹15,49,291.76 | ₹24,051.51 | ₹11,296.92 | ₹0.00 | ₹35,348.43 | ₹15,25,240.25 |
| 189 | 1 August 2041 | ₹15,25,240.25 | ₹24,226.88 | ₹11,121.54 | ₹0.00 | ₹35,348.43 | ₹15,01,013.37 |
| 190 | 1 September 2041 | ₹15,01,013.37 | ₹24,403.54 | ₹10,944.89 | ₹0.00 | ₹35,348.43 | ₹14,76,609.83 |
| 191 | 1 October 2041 | ₹14,76,609.83 | ₹24,581.48 | ₹10,766.95 | ₹0.00 | ₹35,348.43 | ₹14,52,028.35 |
| 192 | 1 November 2041 | ₹14,52,028.35 | ₹24,760.72 | ₹10,587.71 | ₹0.00 | ₹35,348.43 | ₹14,27,267.63 |
| 193 | 1 December 2041 | ₹14,27,267.63 | ₹24,941.27 | ₹10,407.16 | ₹0.00 | ₹35,348.43 | ₹14,02,326.36 |
| 194 | 1 January 2042 | ₹14,02,326.36 | ₹25,123.13 | ₹10,225.30 | ₹0.00 | ₹35,348.43 | ₹13,77,203.23 |
| 195 | 1 February 2042 | ₹13,77,203.23 | ₹25,306.32 | ₹10,042.11 | ₹0.00 | ₹35,348.43 | ₹13,51,896.90 |
| 196 | 1 March 2042 | ₹13,51,896.90 | ₹25,490.85 | ₹9,857.58 | ₹0.00 | ₹35,348.43 | ₹13,26,406.06 |
| 197 | 1 April 2042 | ₹13,26,406.06 | ₹25,676.72 | ₹9,671.71 | ₹0.00 | ₹35,348.43 | ₹13,00,729.34 |
| 198 | 1 May 2042 | ₹13,00,729.34 | ₹25,863.94 | ₹9,484.48 | ₹0.00 | ₹35,348.43 | ₹12,74,865.40 |
| 199 | 1 June 2042 | ₹12,74,865.40 | ₹26,052.53 | ₹9,295.89 | ₹0.00 | ₹35,348.43 | ₹12,48,812.86 |
| 200 | 1 July 2042 | ₹12,48,812.86 | ₹26,242.50 | ₹9,105.93 | ₹0.00 | ₹35,348.43 | ₹12,22,570.36 |
| 201 | 1 August 2042 | ₹12,22,570.36 | ₹26,433.85 | ₹8,914.58 | ₹0.00 | ₹35,348.43 | ₹11,96,136.51 |
| 202 | 1 September 2042 | ₹11,96,136.51 | ₹26,626.60 | ₹8,721.83 | ₹0.00 | ₹35,348.43 | ₹11,69,509.91 |
| 203 | 1 October 2042 | ₹11,69,509.91 | ₹26,820.75 | ₹8,527.68 | ₹0.00 | ₹35,348.43 | ₹11,42,689.16 |
| 204 | 1 November 2042 | ₹11,42,689.16 | ₹27,016.32 | ₹8,332.11 | ₹0.00 | ₹35,348.43 | ₹11,15,672.84 |
| 205 | 1 December 2042 | ₹11,15,672.84 | ₹27,213.31 | ₹8,135.11 | ₹0.00 | ₹35,348.43 | ₹10,88,459.52 |
| 206 | 1 January 2043 | ₹10,88,459.52 | ₹27,411.74 | ₹7,936.68 | ₹0.00 | ₹35,348.43 | ₹10,61,047.78 |
| 207 | 1 February 2043 | ₹10,61,047.78 | ₹27,611.62 | ₹7,736.81 | ₹0.00 | ₹35,348.43 | ₹10,33,436.16 |
| 208 | 1 March 2043 | ₹10,33,436.16 | ₹27,812.96 | ₹7,535.47 | ₹0.00 | ₹35,348.43 | ₹10,05,623.20 |
| 209 | 1 April 2043 | ₹10,05,623.20 | ₹28,015.76 | ₹7,332.67 | ₹0.00 | ₹35,348.43 | ₹9,77,607.44 |
| 210 | 1 May 2043 | ₹9,77,607.44 | ₹28,220.04 | ₹7,128.39 | ₹0.00 | ₹35,348.43 | ₹9,49,387.40 |
| 211 | 1 June 2043 | ₹9,49,387.40 | ₹28,425.81 | ₹6,922.62 | ₹0.00 | ₹35,348.43 | ₹9,20,961.59 |
| 212 | 1 July 2043 | ₹9,20,961.59 | ₹28,633.08 | ₹6,715.34 | ₹0.00 | ₹35,348.43 | ₹8,92,328.50 |
| 213 | 1 August 2043 | ₹8,92,328.50 | ₹28,841.87 | ₹6,506.56 | ₹0.00 | ₹35,348.43 | ₹8,63,486.64 |
| 214 | 1 September 2043 | ₹8,63,486.64 | ₹29,052.17 | ₹6,296.26 | ₹0.00 | ₹35,348.43 | ₹8,34,434.47 |
| 215 | 1 October 2043 | ₹8,34,434.47 | ₹29,264.01 | ₹6,084.42 | ₹0.00 | ₹35,348.43 | ₹8,05,170.46 |
| 216 | 1 November 2043 | ₹8,05,170.46 | ₹29,477.39 | ₹5,871.03 | ₹0.00 | ₹35,348.43 | ₹7,75,693.06 |
| 217 | 1 December 2043 | ₹7,75,693.06 | ₹29,692.33 | ₹5,656.10 | ₹0.00 | ₹35,348.43 | ₹7,46,000.73 |
| 218 | 1 January 2044 | ₹7,46,000.73 | ₹29,908.84 | ₹5,439.59 | ₹0.00 | ₹35,348.43 | ₹7,16,091.89 |
| 219 | 1 February 2044 | ₹7,16,091.89 | ₹30,126.92 | ₹5,221.50 | ₹0.00 | ₹35,348.43 | ₹6,85,964.96 |
| 220 | 1 March 2044 | ₹6,85,964.96 | ₹30,346.60 | ₹5,001.83 | ₹0.00 | ₹35,348.43 | ₹6,55,618.36 |
| 221 | 1 April 2044 | ₹6,55,618.36 | ₹30,567.88 | ₹4,780.55 | ₹0.00 | ₹35,348.43 | ₹6,25,050.49 |
| 222 | 1 May 2044 | ₹6,25,050.49 | ₹30,790.77 | ₹4,557.66 | ₹0.00 | ₹35,348.43 | ₹5,94,259.72 |
| 223 | 1 June 2044 | ₹5,94,259.72 | ₹31,015.28 | ₹4,333.14 | ₹0.00 | ₹35,348.43 | ₹5,63,244.43 |
| 224 | 1 July 2044 | ₹5,63,244.43 | ₹31,241.44 | ₹4,106.99 | ₹0.00 | ₹35,348.43 | ₹5,32,003.00 |
| 225 | 1 August 2044 | ₹5,32,003.00 | ₹31,469.24 | ₹3,879.19 | ₹0.00 | ₹35,348.43 | ₹5,00,533.76 |
| 226 | 1 September 2044 | ₹5,00,533.76 | ₹31,698.70 | ₹3,649.73 | ₹0.00 | ₹35,348.43 | ₹4,68,835.05 |
| 227 | 1 October 2044 | ₹4,68,835.05 | ₹31,929.84 | ₹3,418.59 | ₹0.00 | ₹35,348.43 | ₹4,36,905.21 |
| 228 | 1 November 2044 | ₹4,36,905.21 | ₹32,162.66 | ₹3,185.77 | ₹0.00 | ₹35,348.43 | ₹4,04,742.55 |
| 229 | 1 December 2044 | ₹4,04,742.55 | ₹32,397.18 | ₹2,951.25 | ₹0.00 | ₹35,348.43 | ₹3,72,345.37 |
| 230 | 1 January 2045 | ₹3,72,345.37 | ₹32,633.41 | ₹2,715.02 | ₹0.00 | ₹35,348.43 | ₹3,39,711.96 |
| 231 | 1 February 2045 | ₹3,39,711.96 | ₹32,871.36 | ₹2,477.07 | ₹0.00 | ₹35,348.43 | ₹3,06,840.60 |
| 232 | 1 March 2045 | ₹3,06,840.60 | ₹33,111.05 | ₹2,237.38 | ₹0.00 | ₹35,348.43 | ₹2,73,729.55 |
| 233 | 1 April 2045 | ₹2,73,729.55 | ₹33,352.48 | ₹1,995.94 | ₹0.00 | ₹35,348.43 | ₹2,40,377.07 |
| 234 | 1 May 2045 | ₹2,40,377.07 | ₹33,595.68 | ₹1,752.75 | ₹0.00 | ₹35,348.43 | ₹2,06,781.39 |
| 235 | 1 June 2045 | ₹2,06,781.39 | ₹33,840.65 | ₹1,507.78 | ₹0.00 | ₹35,348.43 | ₹1,72,940.74 |
| 236 | 1 July 2045 | ₹1,72,940.74 | ₹34,087.40 | ₹1,261.03 | ₹0.00 | ₹35,348.43 | ₹1,38,853.34 |
| 237 | 1 August 2045 | ₹1,38,853.34 | ₹34,335.96 | ₹1,012.47 | ₹0.00 | ₹35,348.43 | ₹1,04,517.38 |
| 238 | 1 September 2045 | ₹1,04,517.38 | ₹34,586.32 | ₹762.11 | ₹0.00 | ₹35,348.43 | ₹69,931.06 |
| 239 | 1 October 2045 | ₹69,931.06 | ₹34,838.51 | ₹509.91 | ₹0.00 | ₹35,348.43 | ₹35,092.55 |
| 240 | 1 November 2045 | ₹35,092.55 | ₹35,092.55 | ₹255.88 | ₹0.00 | ₹35,348.43 | ₹0.00 |
PNB Home Loan Calculator - Your Complete Guide to Punjab National Bank Home Loans
Punjab National Bank (PNB) offers comprehensive home loan solutions for customers in India and Philippines, helping individuals and families achieve their dream of homeownership. Whether you're a first-time homebuyer, looking to purchase a new property, or considering a mortgage for investment purposes, understanding your loan options, EMI obligations, and eligibility criteria is crucial for making informed financial decisions. Our PNB Home Loan Calculator is a powerful online tool designed to help you calculate monthly EMI, determine loan eligibility based on salary, plan mortgage payments, and explore various loan scenarios with instant results for 2025.
The calculator supports multiple calculation modes to suit different needs. The EMI Calculator mode allows you to calculate monthly equated monthly installments based on loan amount, interest rate, and tenure. Simply enter your home price, down payment amount, annual interest rate, and loan term to get instant EMI calculations along with detailed payment schedules. The calculator also accounts for property taxes, home insurance, prepayment options, and extra payments, giving you a comprehensive view of your total monthly obligations.
For those wondering about loan eligibility, the Based on Salary mode calculates your maximum loan amount and recommended home price based on your monthly or annual salary. PNB typically allows 40-50% of net salary for loan EMI, with staff members and salary account holders eligible for better rates and higher loan amounts. Enter your salary details, existing EMI obligations, and loan preferences to get personalized eligibility results, including maximum loan amount, recommended home price, debt-to-income ratio, and affordability assessment.
The Mortgage Calculator mode provides detailed mortgage loan calculations with property-specific costs. This mode is ideal for those considering property investment or refinancing options. You can input property value, down payment, interest rates, property taxes, home insurance, and processing fees to get a complete breakdown of your mortgage obligations. The calculator shows principal and interest components, total monthly payments including taxes and insurance, and helps you plan your mortgage strategy effectively.
PNB offers special benefits for staff members and salary account holders. Staff loans typically come with preferential interest rates and flexible terms, while salary account holders may qualify for higher loan amounts and better EMI-to-income ratios. The calculator accounts for these special options, allowing you to see how staff status or salary account benefits can improve your loan eligibility and reduce your monthly payments.
The calculator supports both India and Philippines markets, with appropriate currency formatting (₹ INR for India, ₱ PHP for Philippines) and localized calculations. Interest rates, loan terms, and eligibility criteria may vary between markets, and the calculator adapts accordingly. Whether you're planning a home purchase in Mumbai, Delhi, Manila, or Cebu, the calculator provides accurate results tailored to your market.
Advanced features include prepayment calculations to show interest savings and time reduction, extra payment options for monthly or one-time additional payments, and comprehensive payment schedules showing month-by-month breakdowns of principal, interest, and remaining balance. The calculator also supports Excel export functionality, allowing you to download detailed payment schedules for further analysis and record-keeping.
Understanding your PNB home loan options is essential for making informed financial decisions. Use the calculator to compare different loan scenarios, explore prepayment benefits, assess eligibility based on your income, and plan your home purchase strategy. With instant results, detailed breakdowns, and export capabilities, the PNB Home Loan Calculator empowers you to make confident decisions about your home loan needs in 2025 and beyond.