Standard Chartered Bank Kenya loan calculator for Ksh 100,000 over 20 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 1,197
240 monthly payments
Estimated total repayment
Ksh 287,184
Ksh 100,000 principal + interest
Estimated interest
Ksh 187,183
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 1,502
For 240 months · incl. fees
Total repaid
Ksh 346,141
Principal Ksh 100,000 + Ksh 246,141 extras
Effective APR
18.61%
Advertised rate 13.35% · 187.2% 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 100,000 |
| 1 | Ksh 13,286 | Ksh 1,073 | Ksh 98,927 |
| 2 | Ksh 26,419 | Ksh 2,299 | Ksh 97,701 |
| 3 | Ksh 39,379 | Ksh 3,699 | Ksh 96,301 |
| 4 | Ksh 52,140 | Ksh 5,297 | Ksh 94,703 |
| 5 | Ksh 64,674 | Ksh 7,122 | Ksh 92,878 |
| 6 | Ksh 76,948 | Ksh 9,207 | Ksh 90,793 |
| 7 | Ksh 88,927 | Ksh 11,587 | Ksh 88,413 |
| 8 | Ksh 100,568 | Ksh 14,306 | Ksh 85,694 |
| 9 | Ksh 111,823 | Ksh 17,410 | Ksh 82,590 |
| 10 | Ksh 122,637 | Ksh 20,955 | Ksh 79,045 |
| 11 | Ksh 132,947 | Ksh 25,004 | Ksh 74,996 |
| 12 | Ksh 142,683 | Ksh 29,627 | Ksh 70,373 |
| 13 | Ksh 151,763 | Ksh 34,907 | Ksh 65,093 |
| 14 | Ksh 160,093 | Ksh 40,936 | Ksh 59,064 |
| 15 | Ksh 167,566 | Ksh 47,821 | Ksh 52,179 |
| 16 | Ksh 174,063 | Ksh 55,684 | Ksh 44,316 |
| 17 | Ksh 179,443 | Ksh 64,663 | Ksh 35,337 |
| 18 | Ksh 183,548 | Ksh 74,917 | Ksh 25,083 |
| 19 | Ksh 186,197 | Ksh 86,627 | Ksh 13,373 |
| 20 | Ksh 187,183 | 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.