SBM Bank Kenya loan calculator for Ksh 5,000,000 over 15 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 80,845
180 monthly payments
Estimated total repayment
Ksh 14,552,105
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 9,552,105
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%.
Change loan details
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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 100,087
For 180 months · incl. fees
Total repaid
Ksh 17,120,559
Principal Ksh 5,000,000 + Ksh 12,120,559 extras
Effective APR
23.41%
Advertised rate 18.09% · 191.0% 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 5,000,000 |
| 1 | Ksh 898,775 | Ksh 71,366 | Ksh 4,928,634 |
| 2 | Ksh 1,783,513 | Ksh 156,768 | Ksh 4,843,232 |
| 3 | Ksh 2,651,455 | Ksh 258,966 | Ksh 4,741,034 |
| 4 | Ksh 3,499,296 | Ksh 381,265 | Ksh 4,618,735 |
| 5 | Ksh 4,323,084 | Ksh 527,618 | Ksh 4,472,382 |
| 6 | Ksh 5,118,088 | Ksh 702,754 | Ksh 4,297,246 |
| 7 | Ksh 5,878,645 | Ksh 912,337 | Ksh 4,087,663 |
| 8 | Ksh 6,597,983 | Ksh 1,163,140 | Ksh 3,836,860 |
| 9 | Ksh 7,267,992 | Ksh 1,463,271 | Ksh 3,536,729 |
| 10 | Ksh 7,878,973 | Ksh 1,822,431 | Ksh 3,177,569 |
| 11 | Ksh 8,419,314 | Ksh 2,252,230 | Ksh 2,747,770 |
| 12 | Ksh 8,875,123 | Ksh 2,766,561 | Ksh 2,233,439 |
| 13 | Ksh 9,229,774 | Ksh 3,382,051 | Ksh 1,617,949 |
| 14 | Ksh 9,463,371 | Ksh 4,118,594 | Ksh 881,406 |
| 15 | Ksh 9,552,105 | 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.