Sidian Bank loan calculator for Ksh 5,000,000 over 3 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 179,960
36 monthly payments
Estimated total repayment
Ksh 6,478,573
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 1,478,573
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 198,860
For 36 months · incl. fees
Total repaid
Ksh 6,987,917
Principal Ksh 5,000,000 + Ksh 1,987,917 extras
Effective APR
24.21%
Advertised rate 17.68% · 29.6% interest on principal
Repayment mix over 3 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 775,392 | Ksh 1,384,133 | Ksh 3,615,867 |
| 2 | Ksh 1,285,232 | Ksh 3,033,817 | Ksh 1,966,183 |
| 3 | Ksh 1,478,573 | 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.