KCB Bank Kenya loan calculator for Ksh 10,000,000 over 10 years.
Estimate repayment for a KCB Bank Kenya loan using the current 15.76% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 166,021
120 monthly payments
Estimated total repayment
Ksh 19,922,465
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 9,922,464
At 15.76%
Current KCB Bank Kenya loan interest rate
KCB Bank Kenya is listed at 15.76% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
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Edit the values below; results update instantly.
Loan details
KESCentral Bank of Kenya · May 2025
-0.23 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 200,621
For 120 months · incl. fees
Total repaid
Ksh 22,791,555
Principal Ksh 10,000,000 + Ksh 12,791,555 extras
Effective APR
20.69%
Advertised rate 15.76% · 99.2% 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 10,000,000 |
| 1 | Ksh 1,544,577 | Ksh 447,669 | Ksh 9,552,331 |
| 2 | Ksh 3,013,276 | Ksh 971,217 | Ksh 9,028,783 |
| 3 | Ksh 4,393,234 | Ksh 1,583,505 | Ksh 8,416,495 |
| 4 | Ksh 5,669,411 | Ksh 2,299,575 | Ksh 7,700,425 |
| 5 | Ksh 6,824,216 | Ksh 3,137,016 | Ksh 6,862,984 |
| 6 | Ksh 7,837,077 | Ksh 4,116,401 | Ksh 5,883,599 |
| 7 | Ksh 8,683,935 | Ksh 5,261,790 | Ksh 4,738,210 |
| 8 | Ksh 9,336,653 | Ksh 6,601,319 | Ksh 3,398,681 |
| 9 | Ksh 9,762,324 | Ksh 8,167,894 | Ksh 1,832,106 |
| 10 | Ksh 9,922,464 | Ksh 10,000,000 | 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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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.