Sidian Bank loan calculator for Ksh 100,000 over 20 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 1,519
240 monthly payments
Estimated total repayment
Ksh 364,495
Ksh 100,000 principal + interest
Estimated interest
Ksh 264,495
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 1,897
For 240 months · incl. fees
Total repaid
Ksh 439,854
Principal Ksh 100,000 + Ksh 339,854 extras
Effective APR
24.14%
Advertised rate 17.68% · 264.5% interest on principal
Repayment mix over 20 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 17,634 | Ksh 591 | Ksh 99,409 |
| 2 | Ksh 35,154 | Ksh 1,296 | Ksh 98,704 |
| 3 | Ksh 52,539 | Ksh 2,135 | Ksh 97,865 |
| 4 | Ksh 69,763 | Ksh 3,136 | Ksh 96,864 |
| 5 | Ksh 86,795 | Ksh 4,329 | Ksh 95,671 |
| 6 | Ksh 103,598 | Ksh 5,751 | Ksh 94,249 |
| 7 | Ksh 120,128 | Ksh 7,445 | Ksh 92,555 |
| 8 | Ksh 136,333 | Ksh 9,465 | Ksh 90,535 |
| 9 | Ksh 152,151 | Ksh 11,872 | Ksh 88,128 |
| 10 | Ksh 167,507 | Ksh 14,740 | Ksh 85,260 |
| 11 | Ksh 182,313 | Ksh 18,160 | Ksh 81,840 |
| 12 | Ksh 196,462 | Ksh 22,235 | Ksh 77,765 |
| 13 | Ksh 209,830 | Ksh 27,092 | Ksh 72,908 |
| 14 | Ksh 222,266 | Ksh 32,881 | Ksh 67,119 |
| 15 | Ksh 233,591 | Ksh 39,780 | Ksh 60,220 |
| 16 | Ksh 243,593 | Ksh 48,003 | Ksh 51,997 |
| 17 | Ksh 252,017 | Ksh 57,804 | Ksh 42,196 |
| 18 | Ksh 258,561 | Ksh 69,485 | Ksh 30,515 |
| 19 | Ksh 262,863 | Ksh 83,407 | Ksh 16,593 |
| 20 | Ksh 264,495 | 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.