SBM Bank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a SBM Bank Kenya loan using the current 18.09% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,808
120 monthly payments
Estimated total repayment
Ksh 216,918
Ksh 100,000 principal + interest
Estimated interest
Ksh 116,918
At 18.09%
Current SBM Bank Kenya loan interest rate
SBM Bank Kenya is listed at 18.09% 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
+2.10 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,192
For 120 months · incl. fees
Total repaid
Ksh 254,265
Principal Ksh 100,000 + Ksh 154,265 extras
Effective APR
25.25%
Advertised rate 18.09% · 116.9% 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 100,000 |
| 1 | Ksh 17,776 | Ksh 3,916 | Ksh 96,084 |
| 2 | Ksh 34,781 | Ksh 8,602 | Ksh 91,398 |
| 3 | Ksh 50,865 | Ksh 14,210 | Ksh 85,790 |
| 4 | Ksh 65,847 | Ksh 20,921 | Ksh 79,079 |
| 5 | Ksh 79,508 | Ksh 28,951 | Ksh 71,049 |
| 6 | Ksh 91,589 | Ksh 38,561 | Ksh 61,439 |
| 7 | Ksh 101,781 | Ksh 50,062 | Ksh 49,938 |
| 8 | Ksh 109,711 | Ksh 63,824 | Ksh 36,176 |
| 9 | Ksh 114,934 | Ksh 80,292 | Ksh 19,708 |
| 10 | Ksh 116,918 | Ksh 100,000 | 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.