🇮🇳 PNB & PNB Housing Suite

PNB Home Loan Prepayment Calculator

Calculate your exact interest savings, reduced tenure, and part-prepayment amortization for Punjab National Bank (PNB) & PNB Housing Finance loans.

PNB Loan & Prepayment Inputs

Loan Outstanding Balance₹ INR

₹

₹ 35.00 Lakhs

Interest Rate (RLLR)% p.a.

TenureYears

Extra Monthly Payment₹ / month

₹

Lump-Sum Part Payment₹ (One-Time)

₹

Mo #

Annual EMI Step-Up %Salary Hike Strategy

%/yr

Total Interest Saved

₹ 0

You save 0% of PNB interest!

Time Saved

0 yrs

Payoff in Month 0

Monthly EMI

₹ 0

Base Monthly Outflow

Revised Payoff Date

Originally --

Total Amount Paid

₹ 0

Originally ₹ 0

PNB Loan Balance Amortization

Principal Repayment

Amortization Schedule

Interactive breakdown of balance, interest, and prepayment impact

Period	EMI Paid	Principal Paid	Extra Prepayment	Interest Paid	Total Payment	Remaining Balance

PNB Home Loan Prepayment Rules & Maximize Tax Deductions

Prepaying your Punjab National Bank home loan reduces the principal balance immediately. Since interest on PNB loans is calculated on a daily reducing balance basis, each prepayment saves compounding interest right from day one. Model multiple lump-sum dates in our Home Loan Part Prepayment Calculator or compare post-tax investment returns via the SIP vs Home Loan Prepayment Calculator.

Tax Tip: Even with prepayments, you can continue claiming tax deductions under Section 24(b) (up to ₹2 Lakhs on interest) and Section 80C (up to ₹1.5 Lakhs on principal) under the Old Tax Regime in India. Compare PSU policies across SBI Home Loan, Bank of Baroda Home Loan, and PNB Car Loan Prepayment.

Frequently Asked Questions

Are there prepayment charges in PNB Housing Finance?

For individual borrowers with floating rate home loans, PNB Housing Finance charges 0% prepayment penalty and zero foreclosure fees as per National Housing Bank (NHB) and RBI guidelines. Check commercial or fixed-rate exit fees in the Loan Preclosure Calculator or compare SBI Home Loan Rules.

Can I prepay PNB Home Loan online?

Yes, you can initiate part prepayments through PNB One Mobile App, PNB Internet Banking, or PNB Housing Customer Portal via UPI, NEFT, or NetBanking. Schedule extra EMIs cleanly using our Home Loan EMI with Prepayment Calculator.

What is the minimum part prepayment amount in PNB?

Usually, PNB accepts part prepayments starting from ₹10,000 or the equivalent of 1 monthly EMI. Also check vehicle financing prepayment on our PNB Car Loan Prepayment Calculator or browse All Bank Calculators.

PNB Loan & Prepayment Inputs

PNB Loan Balance Amortization

Amortization Schedule

PNB Home Loan Prepayment Rules & Maximize Tax Deductions

Frequently Asked Questions

Related Prepayment & Loan Calculators

Bank of Baroda Home Loan Prepayment Calculator

LIC Housing Finance Prepayment Calculator

PNB Car Loan Prepayment Calculator

SBI Home Loan Prepayment Calculator