NCBA Bank Kenya loan calculator for Ksh 2,000,000 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 28,929
180 monthly payments
Estimated total repayment
Ksh 5,207,224
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 3,207,224
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
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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 35,822
For 180 months · incl. fees
Total repaid
Ksh 6,108,212
Principal Ksh 2,000,000 + Ksh 4,108,212 extras
Effective APR
20.50%
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 2,000,000 |
| 1 | Ksh 311,081 | Ksh 36,067 | Ksh 1,963,933 |
| 2 | Ksh 616,082 | Ksh 78,215 | Ksh 1,921,785 |
| 3 | Ksh 913,977 | Ksh 127,467 | Ksh 1,872,533 |
| 4 | Ksh 1,203,571 | Ksh 185,023 | Ksh 1,814,977 |
| 5 | Ksh 1,483,461 | Ksh 252,280 | Ksh 1,747,720 |
| 6 | Ksh 1,752,014 | Ksh 330,876 | Ksh 1,669,124 |
| 7 | Ksh 2,007,318 | Ksh 422,720 | Ksh 1,577,280 |
| 8 | Ksh 2,247,139 | Ksh 530,047 | Ksh 1,469,953 |
| 9 | Ksh 2,468,868 | Ksh 655,467 | Ksh 1,344,533 |
| 10 | Ksh 2,669,454 | Ksh 802,029 | Ksh 1,197,971 |
| 11 | Ksh 2,845,333 | Ksh 973,298 | Ksh 1,026,702 |
| 12 | Ksh 2,992,341 | Ksh 1,173,439 | Ksh 826,561 |
| 13 | Ksh 3,105,610 | Ksh 1,407,318 | Ksh 592,682 |
| 14 | Ksh 3,179,453 | Ksh 1,680,623 | Ksh 319,377 |
| 15 | Ksh 3,207,224 | 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.