NCBA Bank Kenya loan calculator for Ksh 1,000,000 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 14,465
180 monthly payments
Estimated total repayment
Ksh 2,603,612
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,603,612
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 17,911
For 180 months · incl. fees
Total repaid
Ksh 3,056,606
Principal Ksh 1,000,000 + Ksh 2,056,606 extras
Effective APR
20.57%
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 1,000,000 |
| 1 | Ksh 155,540 | Ksh 18,034 | Ksh 981,966 |
| 2 | Ksh 308,041 | Ksh 39,107 | Ksh 960,893 |
| 3 | Ksh 456,989 | Ksh 63,734 | Ksh 936,266 |
| 4 | Ksh 601,785 | Ksh 92,511 | Ksh 907,489 |
| 5 | Ksh 741,731 | Ksh 126,140 | Ksh 873,860 |
| 6 | Ksh 876,007 | Ksh 165,438 | Ksh 834,562 |
| 7 | Ksh 1,003,659 | Ksh 211,360 | Ksh 788,640 |
| 8 | Ksh 1,123,570 | Ksh 265,024 | Ksh 734,976 |
| 9 | Ksh 1,234,434 | Ksh 327,734 | Ksh 672,266 |
| 10 | Ksh 1,334,727 | Ksh 401,015 | Ksh 598,985 |
| 11 | Ksh 1,422,666 | Ksh 486,649 | Ksh 513,351 |
| 12 | Ksh 1,496,170 | Ksh 586,719 | Ksh 413,281 |
| 13 | Ksh 1,552,805 | Ksh 703,659 | Ksh 296,341 |
| 14 | Ksh 1,589,727 | Ksh 840,311 | Ksh 159,689 |
| 15 | Ksh 1,603,612 | Ksh 1,000,000 | 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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