SBM Bank Kenya loan calculator for Ksh 5,000,000 over 5 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 127,212
60 monthly payments
Estimated total repayment
Ksh 7,632,724
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 2,632,724
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 146,454
For 60 months · incl. fees
Total repaid
Ksh 8,434,803
Principal Ksh 5,000,000 + Ksh 3,434,803 extras
Effective APR
24.04%
Advertised rate 18.09% · 52.7% interest on principal
Repayment mix over 5 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 850,243 | Ksh 676,302 | Ksh 4,323,698 |
| 2 | Ksh 1,567,472 | Ksh 1,485,618 | Ksh 3,514,382 |
| 3 | Ksh 2,125,525 | Ksh 2,454,109 | Ksh 2,545,891 |
| 4 | Ksh 2,493,097 | Ksh 3,613,082 | Ksh 1,386,918 |
| 5 | Ksh 2,632,724 | 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.