Standard Chartered Bank Kenya loan calculator for Ksh 100,000 over 15 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 1,288
180 monthly payments
Estimated total repayment
Ksh 231,905
Ksh 100,000 principal + interest
Estimated interest
Ksh 131,905
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 1,594
For 180 months · incl. fees
Total repaid
Ksh 275,666
Principal Ksh 100,000 + Ksh 175,666 extras
Effective APR
18.82%
Advertised rate 13.35% · 131.9% 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 100,000 |
| 1 | Ksh 13,216 | Ksh 2,244 | Ksh 97,756 |
| 2 | Ksh 26,113 | Ksh 4,807 | Ksh 95,193 |
| 3 | Ksh 38,647 | Ksh 7,734 | Ksh 92,266 |
| 4 | Ksh 50,765 | Ksh 11,077 | Ksh 88,923 |
| 5 | Ksh 62,408 | Ksh 14,894 | Ksh 85,106 |
| 6 | Ksh 73,509 | Ksh 19,253 | Ksh 80,747 |
| 7 | Ksh 83,992 | Ksh 24,230 | Ksh 75,770 |
| 8 | Ksh 93,768 | Ksh 29,915 | Ksh 70,085 |
| 9 | Ksh 102,736 | Ksh 36,407 | Ksh 63,593 |
| 10 | Ksh 110,783 | Ksh 43,820 | Ksh 56,180 |
| 11 | Ksh 117,778 | Ksh 52,286 | Ksh 47,714 |
| 12 | Ksh 123,570 | Ksh 61,954 | Ksh 38,046 |
| 13 | Ksh 127,990 | Ksh 72,994 | Ksh 27,006 |
| 14 | Ksh 130,842 | Ksh 85,602 | Ksh 14,398 |
| 15 | Ksh 131,905 | 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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