Bank of Baroda (Kenya) loan calculator for Ksh 1,000,000 over 15 years.
Estimate repayment for a Bank of Baroda (Kenya) loan using the current 15.12% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 14,078
180 monthly payments
Estimated total repayment
Ksh 2,534,067
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,534,068
At 15.12%
Current Bank of Baroda (Kenya) loan interest rate
Bank of Baroda (Kenya) is listed at 15.12% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
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Loan details
KESCentral Bank of Kenya · May 2025
-0.87 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 17,431
For 180 months · incl. fees
Total repaid
Ksh 2,972,341
Principal Ksh 1,000,000 + Ksh 1,972,341 extras
Effective APR
19.88%
Advertised rate 15.12% · 153.4% interest on principal
Repayment mix over 15 years
Early payments lean on interest; later ones clear principal.
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 1,000,000 |
| 1 | Ksh 149,918 | Ksh 19,020 | Ksh 980,980 |
| 2 | Ksh 296,752 | Ksh 41,124 | Ksh 958,876 |
| 3 | Ksh 440,002 | Ksh 66,812 | Ksh 933,188 |
| 4 | Ksh 579,087 | Ksh 96,664 | Ksh 903,336 |
| 5 | Ksh 713,332 | Ksh 131,357 | Ksh 868,643 |
| 6 | Ksh 841,953 | Ksh 171,674 | Ksh 828,326 |
| 7 | Ksh 964,037 | Ksh 218,528 | Ksh 781,472 |
| 8 | Ksh 1,078,525 | Ksh 272,978 | Ksh 727,022 |
| 9 | Ksh 1,184,184 | Ksh 336,257 | Ksh 663,743 |
| 10 | Ksh 1,279,584 | Ksh 409,794 | Ksh 590,206 |
| 11 | Ksh 1,363,061 | Ksh 495,255 | Ksh 504,745 |
| 12 | Ksh 1,432,683 | Ksh 594,571 | Ksh 405,429 |
| 13 | Ksh 1,486,202 | Ksh 709,990 | Ksh 290,010 |
| 14 | Ksh 1,521,008 | Ksh 844,122 | Ksh 155,878 |
| 15 | Ksh 1,534,068 | Ksh 1,000,000 | Ksh 0 |
What affects repayment?
Monthly repayment depends on loan amount, term, lending rate, processing fee, insurance and excise duty on interest.
Longer term tradeoff
A longer term can reduce monthly instalments but usually increases total interest paid over the life of the loan.
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