Tools/PNB Business Loan EMI Calculator
PNB Business Loan EMI Calculator
Estimate your Punjab National Bank business loan EMI at indicative rates of 9.25%-14.85% p.a. - then compare real offers from 125+ lenders.
Loan Configuration
Save up to ₹2,16,292
Recur Club founders typically secure rates ~2.5% lower than market average. Indicative savings over full tenure.
Monthly EMI
₹1,70,888
Principal
₹50 Lakh
Total Interest
₹11.5 Lakh
125+ lenders. Termsheet in 48h. Zero equity dilution.
Punjab National Bank business loan rates at a glance
Punjab National Bank is India's second-largest public sector bank and lends heavily to MSMEs through schemes like PNB GST Express and MSME Sahayog. PNB business loan rates are typically around 9.25% to 14.85% p.a., linked to the RLLR (Repo Linked Lending Rate).
PNB's rates are among the most affordable for established businesses, though documentation and processing timelines are heavier than private lenders. Estimate your PNB EMI below, then benchmark it against live offers from 125+ lenders on Recur Club.
Explore Working Capital LoansPNB business loan - key details
Interest rate (indicative)
9.25% to 14.85% p.a. - your exact rate depends on turnover, vintage, credit score, and collateral. Rates change with RBI policy; treat these as indicative, not quotes.
Processing fee
Typically up to 1% of the loan amount, charged upfront at disbursal.
Collateral-free limit
Generally up to ₹5 crore under CGTMSE cover.
Tenure
Usually 12 to 84 months for business loans; longer for secured term loans.
How to use this PNB EMI calculator
- 1
Set the loan amount you plan to borrow with the first slider.
- 2
Set the interest rate - PNB's business loan rates are typically 9.25% to 14.85% p.a. Start with the middle of the band if you're unsure.
- 3
Pick your tenure. A longer tenure lowers the EMI but increases total interest paid.
- 4
Read your monthly EMI, total interest, and total repayment - results update instantly.
- 5
Click "Unlock - Get Exact Terms" to see what 125+ lenders (banks and NBFCs) would actually offer your business.
Why borrowers compare PNB with other lenders
RLLR-linked low pricing
Repo-linked rates keep PNB in the lowest pricing band for creditworthy MSMEs.
Dedicated MSME schemes
GST Express and Sahayog schemes are tailored for GST-registered small businesses.
One application, 125+ lenders
Through Recur Club, PNB competes with 125+ other banks and NBFCs on the same application - competition is the most reliable way to improve your rate.
Termsheet in 48 hours
Instead of applying bank by bank, get an indicative termsheet across lenders in 48 hours, collateral-free options included.
