Sidian Bank loan calculator for Ksh 1,000,000 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 15,875
180 monthly payments
Estimated total repayment
Ksh 2,857,412
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,857,412
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 19,655
For 180 months · incl. fees
Total repaid
Ksh 3,363,952
Principal Ksh 1,000,000 + Ksh 2,363,952 extras
Effective APR
23.02%
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 1,000,000 |
| 1 | Ksh 175,634 | Ksh 14,860 | Ksh 985,140 |
| 2 | Ksh 348,417 | Ksh 32,571 | Ksh 967,429 |
| 3 | Ksh 517,802 | Ksh 53,680 | Ksh 946,320 |
| 4 | Ksh 683,137 | Ksh 78,839 | Ksh 921,161 |
| 5 | Ksh 843,645 | Ksh 108,825 | Ksh 891,175 |
| 6 | Ksh 998,401 | Ksh 144,564 | Ksh 855,436 |
| 7 | Ksh 1,146,300 | Ksh 187,159 | Ksh 812,841 |
| 8 | Ksh 1,286,026 | Ksh 237,927 | Ksh 762,073 |
| 9 | Ksh 1,416,013 | Ksh 298,434 | Ksh 701,566 |
| 10 | Ksh 1,534,391 | Ksh 370,550 | Ksh 629,450 |
| 11 | Ksh 1,638,933 | Ksh 456,502 | Ksh 543,498 |
| 12 | Ksh 1,726,985 | Ksh 558,944 | Ksh 441,056 |
| 13 | Ksh 1,795,384 | Ksh 681,040 | Ksh 318,960 |
| 14 | Ksh 1,840,357 | Ksh 826,561 | Ksh 173,439 |
| 15 | Ksh 1,857,412 | 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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