Family Bank loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Family Bank loan using the current 16.40% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,700
120 monthly payments
Estimated total repayment
Ksh 204,017
Ksh 100,000 principal + interest
Estimated interest
Ksh 104,017
At 16.40%
Current Family Bank loan interest rate
Family Bank is listed at 16.40% 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
+0.41 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,057
For 120 months · incl. fees
Total repaid
Ksh 238,663
Principal Ksh 100,000 + Ksh 138,663 extras
Effective APR
23.12%
Advertised rate 16.40% · 104.0% interest on principal
Repayment mix over 10 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 100,000 |
| 1 | Ksh 16,085 | Ksh 4,317 | Ksh 95,683 |
| 2 | Ksh 31,407 | Ksh 9,397 | Ksh 90,603 |
| 3 | Ksh 45,829 | Ksh 15,376 | Ksh 84,624 |
| 4 | Ksh 59,194 | Ksh 22,413 | Ksh 77,587 |
| 5 | Ksh 71,314 | Ksh 30,694 | Ksh 69,306 |
| 6 | Ksh 81,969 | Ksh 40,441 | Ksh 59,559 |
| 7 | Ksh 90,900 | Ksh 51,912 | Ksh 48,088 |
| 8 | Ksh 97,802 | Ksh 65,412 | Ksh 34,588 |
| 9 | Ksh 102,315 | Ksh 81,301 | Ksh 18,699 |
| 10 | Ksh 104,017 | Ksh 100,000 | 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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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.