NCBA Bank Kenya loan calculator for Ksh 5,000,000 over 20 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 68,365
240 monthly payments
Estimated total repayment
Ksh 16,407,646
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 11,407,646
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 85,599
For 240 months · incl. fees
Total repaid
Ksh 19,546,703
Principal Ksh 5,000,000 + Ksh 14,546,703 extras
Effective APR
20.40%
Advertised rate 15.68% · 228.2% interest on principal
Repayment mix over 20 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 781,268 | Ksh 39,114 | Ksh 4,960,886 |
| 2 | Ksh 1,555,942 | Ksh 84,822 | Ksh 4,915,178 |
| 3 | Ksh 2,322,912 | Ksh 138,235 | Ksh 4,861,765 |
| 4 | Ksh 3,080,877 | Ksh 200,652 | Ksh 4,799,348 |
| 5 | Ksh 3,828,320 | Ksh 273,592 | Ksh 4,726,408 |
| 6 | Ksh 4,563,467 | Ksh 358,826 | Ksh 4,641,174 |
| 7 | Ksh 5,284,247 | Ksh 458,430 | Ksh 4,541,570 |
| 8 | Ksh 5,988,235 | Ksh 574,823 | Ksh 4,425,177 |
| 9 | Ksh 6,672,603 | Ksh 710,838 | Ksh 4,289,162 |
| 10 | Ksh 7,334,042 | Ksh 869,781 | Ksh 4,130,219 |
| 11 | Ksh 7,968,687 | Ksh 1,055,518 | Ksh 3,944,482 |
| 12 | Ksh 8,572,022 | Ksh 1,272,566 | Ksh 3,727,435 |
| 13 | Ksh 9,138,768 | Ksh 1,526,202 | Ksh 3,473,798 |
| 14 | Ksh 9,662,758 | Ksh 1,822,594 | Ksh 3,177,406 |
| 15 | Ksh 10,136,784 | Ksh 2,168,951 | Ksh 2,831,049 |
| 16 | Ksh 10,552,422 | Ksh 2,573,694 | Ksh 2,426,306 |
| 17 | Ksh 10,899,832 | Ksh 3,046,667 | Ksh 1,953,333 |
| 18 | Ksh 11,167,510 | Ksh 3,599,371 | Ksh 1,400,629 |
| 19 | Ksh 11,342,017 | Ksh 4,245,247 | Ksh 754,753 |
| 20 | Ksh 11,407,646 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.