Sidian Bank loan calculator for Ksh 5,000,000 over 20 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 75,936
240 monthly payments
Estimated total repayment
Ksh 18,224,753
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 13,224,752
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 94,836
For 240 months · incl. fees
Total repaid
Ksh 21,747,709
Principal Ksh 5,000,000 + Ksh 16,747,709 extras
Effective APR
22.85%
Advertised rate 17.68% · 264.5% interest on principal
Repayment mix over 20 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 881,681 | Ksh 29,557 | Ksh 4,970,443 |
| 2 | Ksh 1,757,691 | Ksh 64,784 | Ksh 4,935,216 |
| 3 | Ksh 2,626,943 | Ksh 106,770 | Ksh 4,893,230 |
| 4 | Ksh 3,488,139 | Ksh 156,811 | Ksh 4,843,189 |
| 5 | Ksh 4,339,735 | Ksh 216,453 | Ksh 4,783,547 |
| 6 | Ksh 5,179,888 | Ksh 287,538 | Ksh 4,712,462 |
| 7 | Ksh 6,006,404 | Ksh 372,260 | Ksh 4,627,740 |
| 8 | Ksh 6,816,665 | Ksh 473,236 | Ksh 4,526,764 |
| 9 | Ksh 7,607,553 | Ksh 593,585 | Ksh 4,406,415 |
| 10 | Ksh 8,375,352 | Ksh 737,024 | Ksh 4,262,976 |
| 11 | Ksh 9,115,632 | Ksh 907,982 | Ksh 4,092,018 |
| 12 | Ksh 9,823,112 | Ksh 1,111,739 | Ksh 3,888,261 |
| 13 | Ksh 10,491,501 | Ksh 1,354,588 | Ksh 3,645,412 |
| 14 | Ksh 11,113,299 | Ksh 1,644,028 | Ksh 3,355,972 |
| 15 | Ksh 11,679,566 | Ksh 1,988,998 | Ksh 3,011,002 |
| 16 | Ksh 12,179,649 | Ksh 2,400,153 | Ksh 2,599,847 |
| 17 | Ksh 12,600,851 | Ksh 2,890,189 | Ksh 2,109,811 |
| 18 | Ksh 12,928,037 | Ksh 3,474,241 | Ksh 1,525,759 |
| 19 | Ksh 13,143,170 | Ksh 4,170,345 | Ksh 829,655 |
| 20 | Ksh 13,224,752 | 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.