Sidian Bank loan calculator for Ksh 500,000 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 7,937
180 monthly payments
Estimated total repayment
Ksh 1,428,707
Ksh 500,000 principal + interest
Estimated interest
Ksh 928,706
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 9,827
For 180 months · incl. fees
Total repaid
Ksh 1,684,476
Principal Ksh 500,000 + Ksh 1,184,476 extras
Effective APR
23.16%
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 500,000 |
| 1 | Ksh 87,817 | Ksh 7,430 | Ksh 492,570 |
| 2 | Ksh 174,208 | Ksh 16,286 | Ksh 483,714 |
| 3 | Ksh 258,901 | Ksh 26,840 | Ksh 473,160 |
| 4 | Ksh 341,569 | Ksh 39,420 | Ksh 460,580 |
| 5 | Ksh 421,823 | Ksh 54,413 | Ksh 445,587 |
| 6 | Ksh 499,200 | Ksh 72,282 | Ksh 427,718 |
| 7 | Ksh 573,150 | Ksh 93,580 | Ksh 406,420 |
| 8 | Ksh 643,013 | Ksh 118,963 | Ksh 381,037 |
| 9 | Ksh 708,006 | Ksh 149,217 | Ksh 350,783 |
| 10 | Ksh 767,196 | Ksh 185,275 | Ksh 314,725 |
| 11 | Ksh 819,467 | Ksh 228,251 | Ksh 271,749 |
| 12 | Ksh 863,493 | Ksh 279,472 | Ksh 220,528 |
| 13 | Ksh 897,692 | Ksh 340,520 | Ksh 159,480 |
| 14 | Ksh 920,179 | Ksh 413,280 | Ksh 86,720 |
| 15 | Ksh 928,706 | Ksh 500,000 | 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.