PNB Gold Loan EMI Calculator
Calculate estimated loan EMI and interest against hallmarked gold jewellery with Punjab National Bank.
Official Rate Formula & Benchmark:
PNB Swarnim Gold Loans offer quick branch financing against hallmarked gold starting at 8.85% p.a. within statutory 75% LTV.
Current official starting rate: 8.85% p.a. (Range: 8.85% – 9.90% p.a.).
PNB Gold Loan Calculator
Interactive calculation engine using official PNB rates
For 3 years at 8.85% p.a. reducing balance
Yearly Repayment Schedule
| Year | Principal Paid | Interest Paid | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹91,323 | ₹22,905 | ₹1,14,228 | ₹2,08,677 |
| Year 2 | ₹99,741 | ₹14,487 | ₹1,14,228 | ₹1,08,935 |
| Year 3 | ₹1,08,935 | ₹5,292 | ₹1,14,228 | ₹0 |
Rate Verification & Official Notice
8.85% p.a.
8.85% – 9.90% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Low processing fee
- 75% LTV statutory benchmark
Source: PNB Swarnim Gold Loan Scheme
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Low processing fee.
- 275% LTV statutory benchmark.
Key Factors Influencing Your Rate
- •Gold purity (18K to 22K)
- •Repayment tenure
Worked Numerical Example: PNB Gold Loan Calculator
For an estimated PNB Gold Loan Calculator of ₹3,00,000 at 8.85% p.a. for 3 years, your monthly EMI is ₹9,519, with total interest of ₹42,684. Note: Actual eligible loan amount is appraised at the branch based on net gold weight (18K–22K) and RBI's 75% LTV cap.
Frequently Asked Questions: PNB Gold Loan Calculator
- Starting rate?
- 8.85% p.a.
- Max loan amount?
- Up to ₹25,00,000.