KCB Bank Kenya loan calculator for Ksh 10,000,000 over 20 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 137,328
240 monthly payments
Estimated total repayment
Ksh 32,958,751
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 22,958,751
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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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 171,928
For 240 months · incl. fees
Total repaid
Ksh 39,262,275
Principal Ksh 10,000,000 + Ksh 29,262,275 extras
Effective APR
20.49%
Advertised rate 15.76% · 229.6% interest on principal
Repayment mix over 20 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 1,570,569 | Ksh 77,368 | Ksh 9,922,632 |
| 2 | Ksh 3,128,025 | Ksh 167,850 | Ksh 9,832,150 |
| 3 | Ksh 4,670,144 | Ksh 273,668 | Ksh 9,726,332 |
| 4 | Ksh 6,194,328 | Ksh 397,423 | Ksh 9,602,577 |
| 5 | Ksh 7,697,535 | Ksh 542,153 | Ksh 9,457,847 |
| 6 | Ksh 9,176,211 | Ksh 711,415 | Ksh 9,288,585 |
| 7 | Ksh 10,626,197 | Ksh 909,366 | Ksh 9,090,634 |
| 8 | Ksh 12,042,631 | Ksh 1,140,869 | Ksh 8,859,131 |
| 9 | Ksh 13,419,826 | Ksh 1,411,612 | Ksh 8,588,388 |
| 10 | Ksh 14,751,131 | Ksh 1,728,244 | Ksh 8,271,756 |
| 11 | Ksh 16,028,768 | Ksh 2,098,546 | Ksh 7,901,454 |
| 12 | Ksh 17,243,639 | Ksh 2,531,612 | Ksh 7,468,388 |
| 13 | Ksh 18,385,107 | Ksh 3,038,081 | Ksh 6,961,919 |
| 14 | Ksh 19,440,729 | Ksh 3,630,396 | Ksh 6,369,604 |
| 15 | Ksh 20,395,956 | Ksh 4,323,107 | Ksh 5,676,893 |
| 16 | Ksh 21,233,770 | Ksh 5,133,231 | Ksh 4,866,769 |
| 17 | Ksh 21,934,270 | Ksh 6,080,668 | Ksh 3,919,332 |
| 18 | Ksh 22,474,182 | Ksh 7,188,694 | Ksh 2,811,306 |
| 19 | Ksh 22,826,287 | Ksh 8,484,527 | Ksh 1,515,473 |
| 20 | Ksh 22,958,751 | 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.