PNB Personal Loan EMI Mid 120m
Live Punjab National Bank Personal Loan analytics — intent: emi
Live EMI Engine · Punjab National Bank · Personal Loan
₹500,000
8.45%
4 yr
Monthly EMI
₹12,312
Total Interest
₹90,993
Total Payable
₹590,993
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| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | ₹12,312 | ₹3,521 | ₹8,792 | ₹491,208 |
| 2 | ₹12,312 | ₹3,459 | ₹8,853 | ₹482,355 |
| 3 | ₹12,312 | ₹3,397 | ₹8,916 | ₹473,439 |
| 4 | ₹12,312 | ₹3,334 | ₹8,979 | ₹464,461 |
| 5 | ₹12,312 | ₹3,271 | ₹9,042 | ₹455,419 |
| 6 | ₹12,312 | ₹3,207 | ₹9,105 | ₹446,314 |
| 7 | ₹12,312 | ₹3,143 | ₹9,170 | ₹437,144 |
| 8 | ₹12,312 | ₹3,078 | ₹9,234 | ₹427,910 |
| 9 | ₹12,312 | ₹3,013 | ₹9,299 | ₹418,611 |
| 10 | ₹12,312 | ₹2,948 | ₹9,365 | ₹409,246 |
| 11 | ₹12,312 | ₹2,882 | ₹9,431 | ₹399,815 |
| 12 | ₹12,312 | ₹2,815 | ₹9,497 | ₹390,318 |
Safety, fees & legality matrix — Punjab National Bank
Structured verification snapshot for borrower due-diligence.
| Regulator | RBI |
|---|---|
| Shariah-compliant | No |
| Processing fee | 0.50–1.50% |
| Prepayment penalty | 1.00–3.00% |
| Max tenure | 30 years |
| Deposit insurance | DICGC up to ₹5L |
| Digital approval time | 48 hours |
Canonical variant: /loans/pnb-personal-loan-emi