NCBA Bank Kenya loan calculator for Ksh 2,000,000 over 10 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 33,105
120 monthly payments
Estimated total repayment
Ksh 3,972,586
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 1,972,585
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%.
Change loan details
Edit the values below; results update instantly.
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 39,998
For 120 months · incl. fees
Total repaid
Ksh 4,547,905
Principal Ksh 2,000,000 + Ksh 2,547,905 extras
Effective APR
20.66%
Advertised rate 15.68% · 98.6% interest on principal
Repayment mix over 10 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 2,000,000 |
| 1 | Ksh 307,318 | Ksh 89,940 | Ksh 1,910,060 |
| 2 | Ksh 599,474 | Ksh 195,043 | Ksh 1,804,957 |
| 3 | Ksh 873,913 | Ksh 317,862 | Ksh 1,682,138 |
| 4 | Ksh 1,127,648 | Ksh 461,386 | Ksh 1,538,614 |
| 5 | Ksh 1,357,188 | Ksh 629,105 | Ksh 1,370,895 |
| 6 | Ksh 1,558,455 | Ksh 825,096 | Ksh 1,174,904 |
| 7 | Ksh 1,726,683 | Ksh 1,054,126 | Ksh 945,874 |
| 8 | Ksh 1,856,303 | Ksh 1,321,765 | Ksh 678,235 |
| 9 | Ksh 1,940,805 | Ksh 1,634,521 | Ksh 365,479 |
| 10 | Ksh 1,972,585 | Ksh 2,000,000 | 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.