NCBA Bank Kenya loan calculator for Ksh 100,000 over 15 years.
Estimate repayment for a NCBA Bank Kenya loan using the current 15.68% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,446
180 monthly payments
Estimated total repayment
Ksh 260,361
Ksh 100,000 principal + interest
Estimated interest
Ksh 160,361
At 15.68%
Current NCBA Bank Kenya loan interest rate
NCBA Bank Kenya is listed at 15.68% 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
-0.31 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,791
For 180 months · incl. fees
Total repaid
Ksh 310,161
Principal Ksh 100,000 + Ksh 210,161 extras
Effective APR
21.77%
Advertised rate 15.68% · 160.4% 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 100,000 |
| 1 | Ksh 15,554 | Ksh 1,803 | Ksh 98,197 |
| 2 | Ksh 30,804 | Ksh 3,911 | Ksh 96,089 |
| 3 | Ksh 45,699 | Ksh 6,373 | Ksh 93,627 |
| 4 | Ksh 60,179 | Ksh 9,251 | Ksh 90,749 |
| 5 | Ksh 74,173 | Ksh 12,614 | Ksh 87,386 |
| 6 | Ksh 87,601 | Ksh 16,544 | Ksh 83,456 |
| 7 | Ksh 100,366 | Ksh 21,136 | Ksh 78,864 |
| 8 | Ksh 112,357 | Ksh 26,502 | Ksh 73,498 |
| 9 | Ksh 123,443 | Ksh 32,773 | Ksh 67,227 |
| 10 | Ksh 133,473 | Ksh 40,101 | Ksh 59,899 |
| 11 | Ksh 142,267 | Ksh 48,665 | Ksh 51,335 |
| 12 | Ksh 149,617 | Ksh 58,672 | Ksh 41,328 |
| 13 | Ksh 155,281 | Ksh 70,366 | Ksh 29,634 |
| 14 | Ksh 158,973 | Ksh 84,031 | Ksh 15,969 |
| 15 | Ksh 160,361 | 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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