Sidian Bank loan calculator for Ksh 2,000,000 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 31,749
180 monthly payments
Estimated total repayment
Ksh 5,714,824
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 3,714,824
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%.
Change loan details
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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 39,309
For 180 months · incl. fees
Total repaid
Ksh 6,722,904
Principal Ksh 2,000,000 + Ksh 4,722,904 extras
Effective APR
22.95%
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 2,000,000 |
| 1 | Ksh 351,268 | Ksh 29,720 | Ksh 1,970,280 |
| 2 | Ksh 696,834 | Ksh 65,143 | Ksh 1,934,857 |
| 3 | Ksh 1,035,604 | Ksh 107,361 | Ksh 1,892,639 |
| 4 | Ksh 1,366,274 | Ksh 157,679 | Ksh 1,842,321 |
| 5 | Ksh 1,687,291 | Ksh 217,651 | Ksh 1,782,349 |
| 6 | Ksh 1,996,802 | Ksh 289,128 | Ksh 1,710,872 |
| 7 | Ksh 2,292,599 | Ksh 374,319 | Ksh 1,625,681 |
| 8 | Ksh 2,572,052 | Ksh 475,854 | Ksh 1,524,146 |
| 9 | Ksh 2,832,026 | Ksh 596,869 | Ksh 1,403,131 |
| 10 | Ksh 3,068,782 | Ksh 741,101 | Ksh 1,258,899 |
| 11 | Ksh 3,277,867 | Ksh 913,004 | Ksh 1,086,996 |
| 12 | Ksh 3,453,971 | Ksh 1,117,888 | Ksh 882,112 |
| 13 | Ksh 3,590,767 | Ksh 1,362,080 | Ksh 637,920 |
| 14 | Ksh 3,680,715 | Ksh 1,653,121 | Ksh 346,879 |
| 15 | Ksh 3,714,824 | Ksh 2,000,000 | 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.