Sidian Bank loan calculator for Ksh 1,000,000 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 15,187
240 monthly payments
Estimated total repayment
Ksh 3,644,950
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,644,950
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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Edit the values below; results update instantly.
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 18,967
For 240 months · incl. fees
Total repaid
Ksh 4,353,542
Principal Ksh 1,000,000 + Ksh 3,353,542 extras
Effective APR
22.95%
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 1,000,000 |
| 1 | Ksh 176,336 | Ksh 5,911 | Ksh 994,089 |
| 2 | Ksh 351,538 | Ksh 12,957 | Ksh 987,043 |
| 3 | Ksh 525,389 | Ksh 21,354 | Ksh 978,646 |
| 4 | Ksh 697,628 | Ksh 31,362 | Ksh 968,638 |
| 5 | Ksh 867,947 | Ksh 43,291 | Ksh 956,709 |
| 6 | Ksh 1,035,978 | Ksh 57,508 | Ksh 942,492 |
| 7 | Ksh 1,201,281 | Ksh 74,452 | Ksh 925,548 |
| 8 | Ksh 1,363,333 | Ksh 94,647 | Ksh 905,353 |
| 9 | Ksh 1,521,511 | Ksh 118,717 | Ksh 881,283 |
| 10 | Ksh 1,675,070 | Ksh 147,405 | Ksh 852,595 |
| 11 | Ksh 1,823,126 | Ksh 181,596 | Ksh 818,404 |
| 12 | Ksh 1,964,622 | Ksh 222,348 | Ksh 777,652 |
| 13 | Ksh 2,098,300 | Ksh 270,918 | Ksh 729,082 |
| 14 | Ksh 2,222,660 | Ksh 328,806 | Ksh 671,194 |
| 15 | Ksh 2,335,913 | Ksh 397,800 | Ksh 602,200 |
| 16 | Ksh 2,435,930 | Ksh 480,031 | Ksh 519,969 |
| 17 | Ksh 2,520,170 | Ksh 578,038 | Ksh 421,962 |
| 18 | Ksh 2,585,607 | Ksh 694,848 | Ksh 305,152 |
| 19 | Ksh 2,628,634 | Ksh 834,069 | Ksh 165,931 |
| 20 | Ksh 2,644,950 | 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.