Sidian Bank loan calculator for Ksh 5,000,000 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 79,373
180 monthly payments
Estimated total repayment
Ksh 14,287,061
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 9,287,061
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
Edit the values below; results update instantly.
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 98,273
For 180 months · incl. fees
Total repaid
Ksh 16,799,759
Principal Ksh 5,000,000 + Ksh 11,799,759 extras
Effective APR
22.91%
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 5,000,000 |
| 1 | Ksh 878,170 | Ksh 74,301 | Ksh 4,925,699 |
| 2 | Ksh 1,742,085 | Ksh 162,857 | Ksh 4,837,143 |
| 3 | Ksh 2,589,010 | Ksh 268,402 | Ksh 4,731,598 |
| 4 | Ksh 3,415,686 | Ksh 394,197 | Ksh 4,605,803 |
| 5 | Ksh 4,218,227 | Ksh 544,126 | Ksh 4,455,874 |
| 6 | Ksh 4,992,004 | Ksh 722,820 | Ksh 4,277,180 |
| 7 | Ksh 5,731,498 | Ksh 935,797 | Ksh 4,064,203 |
| 8 | Ksh 6,430,131 | Ksh 1,189,634 | Ksh 3,810,366 |
| 9 | Ksh 7,080,065 | Ksh 1,492,172 | Ksh 3,507,828 |
| 10 | Ksh 7,671,955 | Ksh 1,852,752 | Ksh 3,147,248 |
| 11 | Ksh 8,194,667 | Ksh 2,282,511 | Ksh 2,717,489 |
| 12 | Ksh 8,634,927 | Ksh 2,794,721 | Ksh 2,205,279 |
| 13 | Ksh 8,976,918 | Ksh 3,405,201 | Ksh 1,594,799 |
| 14 | Ksh 9,201,786 | Ksh 4,132,804 | Ksh 867,196 |
| 15 | Ksh 9,287,061 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.