Sidian Bank loan calculator for Ksh 1,000,000 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 17,813
120 monthly payments
Estimated total repayment
Ksh 2,137,562
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,137,562
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 21,593
For 120 months · incl. fees
Total repaid
Ksh 2,459,416
Principal Ksh 1,000,000 + Ksh 1,459,416 extras
Effective APR
23.18%
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 1,000,000 |
| 1 | Ksh 173,653 | Ksh 40,103 | Ksh 959,897 |
| 2 | Ksh 339,613 | Ksh 87,900 | Ksh 912,100 |
| 3 | Ksh 496,402 | Ksh 144,867 | Ksh 855,133 |
| 4 | Ksh 642,262 | Ksh 212,763 | Ksh 787,237 |
| 5 | Ksh 775,096 | Ksh 293,686 | Ksh 706,315 |
| 6 | Ksh 892,404 | Ksh 390,133 | Ksh 609,867 |
| 7 | Ksh 991,209 | Ksh 505,085 | Ksh 494,915 |
| 8 | Ksh 1,067,959 | Ksh 642,091 | Ksh 357,909 |
| 9 | Ksh 1,118,425 | Ksh 805,381 | Ksh 194,619 |
| 10 | Ksh 1,137,562 | Ksh 1,000,000 | 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.