Sidian Bank loan calculator for Ksh 10,000,000 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 151,873
240 monthly payments
Estimated total repayment
Ksh 36,449,506
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 26,449,505
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 189,673
For 240 months · incl. fees
Total repaid
Ksh 43,490,419
Principal Ksh 10,000,000 + Ksh 33,490,419 extras
Effective APR
22.84%
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 10,000,000 |
| 1 | Ksh 1,763,362 | Ksh 59,114 | Ksh 9,940,886 |
| 2 | Ksh 3,515,382 | Ksh 129,569 | Ksh 9,870,431 |
| 3 | Ksh 5,253,885 | Ksh 213,541 | Ksh 9,786,459 |
| 4 | Ksh 6,976,278 | Ksh 313,623 | Ksh 9,686,377 |
| 5 | Ksh 8,679,470 | Ksh 432,907 | Ksh 9,567,093 |
| 6 | Ksh 10,359,776 | Ksh 575,075 | Ksh 9,424,925 |
| 7 | Ksh 12,012,807 | Ksh 744,519 | Ksh 9,255,481 |
| 8 | Ksh 13,633,330 | Ksh 946,472 | Ksh 9,053,528 |
| 9 | Ksh 15,215,106 | Ksh 1,187,171 | Ksh 8,812,829 |
| 10 | Ksh 16,750,704 | Ksh 1,474,048 | Ksh 8,525,952 |
| 11 | Ksh 18,231,264 | Ksh 1,815,964 | Ksh 8,184,036 |
| 12 | Ksh 19,646,225 | Ksh 2,223,478 | Ksh 7,776,522 |
| 13 | Ksh 20,983,003 | Ksh 2,709,175 | Ksh 7,290,825 |
| 14 | Ksh 22,226,598 | Ksh 3,288,056 | Ksh 6,711,944 |
| 15 | Ksh 23,359,132 | Ksh 3,977,997 | Ksh 6,022,003 |
| 16 | Ksh 24,359,298 | Ksh 4,800,306 | Ksh 5,199,694 |
| 17 | Ksh 25,201,701 | Ksh 5,780,378 | Ksh 4,219,622 |
| 18 | Ksh 25,856,073 | Ksh 6,948,481 | Ksh 3,051,519 |
| 19 | Ksh 26,286,340 | Ksh 8,340,690 | Ksh 1,659,310 |
| 20 | Ksh 26,449,505 | 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.