Sidian Bank loan calculator for Ksh 100,000 over 15 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 1,587
180 monthly payments
Estimated total repayment
Ksh 285,741
Ksh 100,000 principal + interest
Estimated interest
Ksh 185,741
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 1,965
For 180 months · incl. fees
Total repaid
Ksh 340,895
Principal Ksh 100,000 + Ksh 240,895 extras
Effective APR
24.31%
Advertised rate 17.68% · 185.7% 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 100,000 |
| 1 | Ksh 17,563 | Ksh 1,486 | Ksh 98,514 |
| 2 | Ksh 34,842 | Ksh 3,257 | Ksh 96,743 |
| 3 | Ksh 51,780 | Ksh 5,368 | Ksh 94,632 |
| 4 | Ksh 68,314 | Ksh 7,884 | Ksh 92,116 |
| 5 | Ksh 84,365 | Ksh 10,883 | Ksh 89,117 |
| 6 | Ksh 99,840 | Ksh 14,456 | Ksh 85,544 |
| 7 | Ksh 114,630 | Ksh 18,716 | Ksh 81,284 |
| 8 | Ksh 128,603 | Ksh 23,793 | Ksh 76,207 |
| 9 | Ksh 141,601 | Ksh 29,843 | Ksh 70,157 |
| 10 | Ksh 153,439 | Ksh 37,055 | Ksh 62,945 |
| 11 | Ksh 163,893 | Ksh 45,650 | Ksh 54,350 |
| 12 | Ksh 172,699 | Ksh 55,894 | Ksh 44,106 |
| 13 | Ksh 179,538 | Ksh 68,104 | Ksh 31,896 |
| 14 | Ksh 184,036 | Ksh 82,656 | Ksh 17,344 |
| 15 | Ksh 185,741 | 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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