Sidian Bank loan calculator for Ksh 5,000,000 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 89,065
120 monthly payments
Estimated total repayment
Ksh 10,687,811
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 5,687,811
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 107,965
For 120 months · incl. fees
Total repaid
Ksh 12,277,082
Principal Ksh 5,000,000 + Ksh 7,277,082 extras
Effective APR
23.05%
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 5,000,000 |
| 1 | Ksh 868,266 | Ksh 200,515 | Ksh 4,799,485 |
| 2 | Ksh 1,698,063 | Ksh 439,499 | Ksh 4,560,501 |
| 3 | Ksh 2,482,009 | Ksh 724,334 | Ksh 4,275,666 |
| 4 | Ksh 3,211,309 | Ksh 1,063,815 | Ksh 3,936,185 |
| 5 | Ksh 3,875,478 | Ksh 1,468,428 | Ksh 3,531,572 |
| 6 | Ksh 4,462,020 | Ksh 1,950,666 | Ksh 3,049,334 |
| 7 | Ksh 4,956,043 | Ksh 2,525,425 | Ksh 2,474,575 |
| 8 | Ksh 5,339,796 | Ksh 3,210,453 | Ksh 1,789,547 |
| 9 | Ksh 5,592,124 | Ksh 4,026,906 | Ksh 973,094 |
| 10 | Ksh 5,687,811 | Ksh 5,000,000 | 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.