Sidian Bank loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Sidian Bank loan using the current 17.68% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,781
120 monthly payments
Estimated total repayment
Ksh 213,756
Ksh 100,000 principal + interest
Estimated interest
Ksh 113,756
At 17.68%
Current Sidian Bank loan interest rate
Sidian Bank is listed at 17.68% 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
+1.69 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,159
For 120 months · incl. fees
Total repaid
Ksh 250,442
Principal Ksh 100,000 + Ksh 150,442 extras
Effective APR
24.73%
Advertised rate 17.68% · 113.8% 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 17,365 | Ksh 4,010 | Ksh 95,990 |
| 2 | Ksh 33,961 | Ksh 8,790 | Ksh 91,210 |
| 3 | Ksh 49,640 | Ksh 14,487 | Ksh 85,513 |
| 4 | Ksh 64,226 | Ksh 21,276 | Ksh 78,724 |
| 5 | Ksh 77,510 | Ksh 29,369 | Ksh 70,631 |
| 6 | Ksh 89,240 | Ksh 39,013 | Ksh 60,987 |
| 7 | Ksh 99,121 | Ksh 50,508 | Ksh 49,492 |
| 8 | Ksh 106,796 | Ksh 64,209 | Ksh 35,791 |
| 9 | Ksh 111,842 | Ksh 80,538 | Ksh 19,462 |
| 10 | Ksh 113,756 | 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.