Standard Chartered Bank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Standard Chartered Bank Kenya loan using the current 13.35% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,514
120 monthly payments
Estimated total repayment
Ksh 181,658
Ksh 100,000 principal + interest
Estimated interest
Ksh 81,659
At 13.35%
Current Standard Chartered Bank Kenya loan interest rate
Standard Chartered Bank Kenya is listed at 13.35% 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
-2.64 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,820
For 120 months · incl. fees
Total repaid
Ksh 211,607
Principal Ksh 100,000 + Ksh 111,607 extras
Effective APR
19.28%
Advertised rate 13.35% · 81.7% 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 100,000 |
| 1 | Ksh 13,044 | Ksh 5,122 | Ksh 94,878 |
| 2 | Ksh 25,361 | Ksh 10,971 | Ksh 89,029 |
| 3 | Ksh 36,848 | Ksh 17,650 | Ksh 82,350 |
| 4 | Ksh 47,386 | Ksh 25,278 | Ksh 74,722 |
| 5 | Ksh 56,841 | Ksh 33,988 | Ksh 66,012 |
| 6 | Ksh 65,059 | Ksh 43,936 | Ksh 56,064 |
| 7 | Ksh 71,866 | Ksh 55,295 | Ksh 44,705 |
| 8 | Ksh 77,059 | Ksh 68,268 | Ksh 31,732 |
| 9 | Ksh 80,410 | Ksh 83,082 | Ksh 16,918 |
| 10 | Ksh 81,659 | Ksh 100,000 | 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.