How much will I earn if I invest Ksh 1,000,000 at Sidian Bank for 15 years?

At Sidian Bank's weighted-average deposit rate of 9.07% per the Central Bank of Kenya (May 2025), a Ksh 1,000,000 deposit grows to approximately Ksh 3,878,251 after 15 years. That's about Ksh 2,878,251 of interest, assuming monthly compounding and no withdrawals.

What is Sidian Bank's deposit rate right now?

Sidian Bank publishes a weighted-average deposit rate of 9.07% (May 2025, Central Bank of Kenya).

Would a Kenyan Money Market Fund earn more than Sidian Bank?

Yes — Cytonn Asset Managers's Cytonn Money Market Fund currently yields 9.39% net of 15% withholding tax. The same Ksh 1,000,000 invested there for 15 years would grow to about Ksh 4,067,456, meaningfully more than Sidian Bank's Ksh 3,878,251.

Sidian Bank · CBK May 2025

Invest Ksh 1,000,000 at Sidian Bank for 15 years.

At Sidian Bank's current weighted-average deposit rate of 9.07%, a Ksh 1,000,000 deposit grows to about Ksh 3,878,251 after 15 years — about Ksh 2,878,251 in interest, assuming monthly compounding and no withdrawals.

Final balance

Ksh 3,878,251

3.88× your deposit

Deposited

Ksh 1,000,000

One-off, no withdrawals

Interest earned

Ksh 2,878,251

At 9.07% p.a.

Year by year

Contributions form the floor; interest compounds on top.

Could you earn more elsewhere?

The same Ksh 1,000,000 in Cytonn Money Market Fund — currently Kenya's top-yielding MMF at 9.39% net of 15% WHT — would grow to about Ksh 4,067,456 over the same 15 years. Run your own numbers on the compound interest calculator.

Similar scenarios at Sidian Bank