NCBA Bank Kenya loan calculator for Ksh 10,000,000 over 5 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 241,484
60 monthly payments
Estimated total repayment
Ksh 14,489,015
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 4,489,015
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 275,950
For 60 months · incl. fees
Total repaid
Ksh 15,928,107
Principal Ksh 10,000,000 + Ksh 5,928,107 extras
Effective APR
21.08%
Advertised rate 15.68% · 44.9% 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 1,468,144 | Ksh 1,429,659 | Ksh 8,570,341 |
| 2 | Ksh 2,695,284 | Ksh 3,100,322 | Ksh 6,899,678 |
| 3 | Ksh 3,640,794 | Ksh 5,052,615 | Ksh 4,947,385 |
| 4 | Ksh 4,257,197 | Ksh 7,334,015 | Ksh 2,665,985 |
| 5 | Ksh 4,489,015 | 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.