NCBA Bank Kenya loan calculator for Ksh 5,000,000 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 82,762
120 monthly payments
Estimated total repayment
Ksh 9,931,463
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 4,931,463
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 99,996
For 120 months · incl. fees
Total repaid
Ksh 11,362,262
Principal Ksh 5,000,000 + Ksh 6,362,262 extras
Effective APR
20.61%
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 5,000,000 |
| 1 | Ksh 768,295 | Ksh 224,851 | Ksh 4,775,149 |
| 2 | Ksh 1,498,686 | Ksh 487,607 | Ksh 4,512,393 |
| 3 | Ksh 2,184,783 | Ksh 794,656 | Ksh 4,205,344 |
| 4 | Ksh 2,819,120 | Ksh 1,153,465 | Ksh 3,846,535 |
| 5 | Ksh 3,392,970 | Ksh 1,572,761 | Ksh 3,427,239 |
| 6 | Ksh 3,896,138 | Ksh 2,062,740 | Ksh 2,937,260 |
| 7 | Ksh 4,316,708 | Ksh 2,635,316 | Ksh 2,364,684 |
| 8 | Ksh 4,640,757 | Ksh 3,304,413 | Ksh 1,695,587 |
| 9 | Ksh 4,852,013 | Ksh 4,086,303 | Ksh 913,697 |
| 10 | Ksh 4,931,463 | Ksh 5,000,000 | 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.