Sidian Bank loan calculator for Ksh 10,000,000 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 178,130
120 monthly payments
Estimated total repayment
Ksh 21,375,622
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 11,375,622
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 215,930
For 120 months · incl. fees
Total repaid
Ksh 24,549,164
Principal Ksh 10,000,000 + Ksh 14,549,164 extras
Effective APR
23.03%
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 10,000,000 |
| 1 | Ksh 1,736,533 | Ksh 401,030 | Ksh 9,598,970 |
| 2 | Ksh 3,396,126 | Ksh 878,999 | Ksh 9,121,001 |
| 3 | Ksh 4,964,019 | Ksh 1,448,668 | Ksh 8,551,332 |
| 4 | Ksh 6,422,618 | Ksh 2,127,631 | Ksh 7,872,369 |
| 5 | Ksh 7,750,956 | Ksh 2,936,855 | Ksh 7,063,145 |
| 6 | Ksh 8,924,041 | Ksh 3,901,333 | Ksh 6,098,667 |
| 7 | Ksh 9,912,086 | Ksh 5,050,849 | Ksh 4,949,151 |
| 8 | Ksh 10,679,592 | Ksh 6,420,905 | Ksh 3,579,095 |
| 9 | Ksh 11,184,247 | Ksh 8,053,813 | Ksh 1,946,187 |
| 10 | Ksh 11,375,622 | Ksh 10,000,000 | 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.