NCBA Bank Kenya loan calculator for Ksh 100,000 over 20 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 1,367
240 monthly payments
Estimated total repayment
Ksh 328,152
Ksh 100,000 principal + interest
Estimated interest
Ksh 228,153
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 1,712
For 240 months · incl. fees
Total repaid
Ksh 395,834
Principal Ksh 100,000 + Ksh 295,834 extras
Effective APR
21.58%
Advertised rate 15.68% · 228.2% 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 100,000 |
| 1 | Ksh 15,625 | Ksh 782 | Ksh 99,218 |
| 2 | Ksh 31,119 | Ksh 1,696 | Ksh 98,304 |
| 3 | Ksh 46,458 | Ksh 2,765 | Ksh 97,235 |
| 4 | Ksh 61,618 | Ksh 4,013 | Ksh 95,987 |
| 5 | Ksh 76,566 | Ksh 5,472 | Ksh 94,528 |
| 6 | Ksh 91,269 | Ksh 7,177 | Ksh 92,823 |
| 7 | Ksh 105,685 | Ksh 9,169 | Ksh 90,831 |
| 8 | Ksh 119,765 | Ksh 11,496 | Ksh 88,504 |
| 9 | Ksh 133,452 | Ksh 14,217 | Ksh 85,783 |
| 10 | Ksh 146,681 | Ksh 17,396 | Ksh 82,604 |
| 11 | Ksh 159,374 | Ksh 21,110 | Ksh 78,890 |
| 12 | Ksh 171,440 | Ksh 25,451 | Ksh 74,549 |
| 13 | Ksh 182,775 | Ksh 30,524 | Ksh 69,476 |
| 14 | Ksh 193,255 | Ksh 36,452 | Ksh 63,548 |
| 15 | Ksh 202,736 | Ksh 43,379 | Ksh 56,621 |
| 16 | Ksh 211,048 | Ksh 51,474 | Ksh 48,526 |
| 17 | Ksh 217,997 | Ksh 60,933 | Ksh 39,067 |
| 18 | Ksh 223,350 | Ksh 71,987 | Ksh 28,013 |
| 19 | Ksh 226,840 | Ksh 84,905 | Ksh 15,095 |
| 20 | Ksh 228,153 | 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.