How much will I earn if I invest Ksh 1,000,000 at Sidian Bank for 3 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 1,311,376 after 3 years. That's about Ksh 311,376 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 3 years would grow to about Ksh 1,323,929, meaningfully more than Sidian Bank's Ksh 1,311,376.

Sidian Bank · CBK May 2025

Invest Ksh 1,000,000 at Sidian Bank for 3 years.

At Sidian Bank's current weighted-average deposit rate of 9.07%, a Ksh 1,000,000 deposit grows to about Ksh 1,311,376 after 3 years — about Ksh 311,376 in interest, assuming monthly compounding and no withdrawals.

Final balance

Ksh 1,311,376

1.31× your deposit

Deposited

Ksh 1,000,000

One-off, no withdrawals

Interest earned

Ksh 311,376

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 1,323,929 over the same 3 years. Run your own numbers on the compound interest calculator.

Similar scenarios at Sidian Bank