NCBA Bank Kenya loan calculator for Ksh 5,000,000 over 3 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 174,996
36 monthly payments
Estimated total repayment
Ksh 6,299,865
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 1,299,865
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 192,230
For 36 months · incl. fees
Total repaid
Ksh 6,772,738
Principal Ksh 5,000,000 + Ksh 1,772,738 extras
Effective APR
21.78%
Advertised rate 15.68% · 26.0% interest on principal
Repayment mix over 3 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 685,184 | Ksh 1,414,771 | Ksh 3,585,229 |
| 2 | Ksh 1,131,874 | Ksh 3,068,037 | Ksh 1,931,963 |
| 3 | Ksh 1,299,865 | 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.