KCB Bank Kenya loan calculator for Ksh 10,000,000 over 5 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 241,907
60 monthly payments
Estimated total repayment
Ksh 14,514,433
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 4,514,433
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 276,507
For 60 months · incl. fees
Total repaid
Ksh 15,958,768
Principal Ksh 10,000,000 + Ksh 5,958,768 extras
Effective APR
21.18%
Advertised rate 15.76% · 45.1% interest on principal
Repayment mix over 5 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 1,475,832 | Ksh 1,427,055 | Ksh 8,572,945 |
| 2 | Ksh 2,709,782 | Ksh 3,095,991 | Ksh 6,904,009 |
| 3 | Ksh 3,660,852 | Ksh 5,047,808 | Ksh 4,952,192 |
| 4 | Ksh 4,281,093 | Ksh 7,330,453 | Ksh 2,669,547 |
| 5 | Ksh 4,514,433 | 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.