Скачать или смотреть PNB Home Loan Full Details In Bengali | PNB Home Loan Interest Chart Bengali | PNB Home Loan EMI

PNB Home Loan Full Details In Bengali | PNB Home Loan Interest Chart Bengali | PNB Home Loan EMI

📌 I have Discussed:
Are you planning to buy your dream home but don’t have enough savings? Do you want to know how much EMI you’ll have to pay if you take a home loan of ₹40 lakhs from Punjab National Bank (PNB)? This video is your ultimate guide to understanding PNB Home Loan EMI calculation, interest rates, and total repayment amount over a period of 30 years.

In this video, I have broken down the full EMI details, including:

What is the current home loan interest rate in PNB?

What will be your monthly EMI if you borrow ₹40 lakh?

How much total interest will you end up paying?

What is the total repayment amount over 30 years?

Is this loan affordable for you?

How does your CIBIL score affect your EMI?

Let’s say you are taking a home loan of ₹40,00,000 from PNB Bank.

✅ PNB’s current interest rate for home loans starts from 8.15% per annum, though it may vary depending on your CIBIL score, income profile, and loan tenure.

✅ If you choose a tenure of 30 years (360 months), your monthly EMI will be ₹29,770.

✅ Over the full tenure, the total repayment amount becomes ₹1,07,17,173.

✅ Out of this, the total interest paid to the bank will be approximately ₹67,17,173.

This means you are paying back nearly ₹1.07 crore for a loan of ₹40 lakhs — that’s how compound interest works over a long duration!

👉 If you are wondering how much loan you can afford, this video will also help you assess your monthly budget.

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🏠 Why This Video is Important for You:
Planning to buy your first home?

Confused about how loan tenure affects your interest?

Not sure whether ₹40 lakh loan is suitable for your income?

Want to know how much total interest you are paying?

We have broken down everything using simple calculations, clear language, and real-life numbers. No confusing jargon—just straight facts to help you make better financial decisions.

🧮 EMI Breakdown Recap:
📌 Loan Amount: ₹40,00,000

📌 Interest Rate: 8.15% per annum

📌 Tenure: 30 years (360 months)

📌 Monthly EMI: ₹29,770

📌 Total Repayment: ₹1,07,17,173

📌 Total Interest: ₹67,17,173

That means, you’ll be paying ₹67.17 lakh extra as interest only, if you stick with a 30-year term.

💡 Extra Tip:
Want to reduce your EMI or interest burden?

Try opting for a shorter tenure

Increase your down payment

Improve your CIBIL score to get better rates

Compare other banks for floating vs fixed interest options

🧾 Who Should Watch This Video?
Home buyers in 2025

Salaried individuals planning home purchase

People searching for PNB home loan 2025 details

Anyone confused about EMI and interest repayment

First-time home loan takers in India

Real estate investors exploring PNB loan options

💬 If you find this video helpful, don’t forget to LIKE, SHARE, and SUBSCRIBE to our channel for more updates on:

Home loans

Personal finance tips

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📥 Drop your questions in the comments section — I’ll reply to every EMI or interest query personally!

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