Sidian Bank loan calculator for Ksh 10,000,000 over 5 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 252,197
60 monthly payments
Estimated total repayment
Ksh 15,131,802
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 5,131,802
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 289,997
For 60 months · incl. fees
Total repaid
Ksh 16,703,422
Principal Ksh 10,000,000 + Ksh 6,703,422 extras
Effective APR
23.51%
Advertised rate 17.68% · 51.3% interest on principal
Repayment mix over 5 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 1,660,853 | Ksh 1,365,507 | Ksh 8,634,493 |
| 2 | Ksh 3,059,728 | Ksh 2,992,993 | Ksh 7,007,007 |
| 3 | Ksh 4,146,363 | Ksh 4,932,718 | Ksh 5,067,282 |
| 4 | Ksh 4,860,853 | Ksh 7,244,588 | Ksh 2,755,412 |
| 5 | Ksh 5,131,802 | 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.