Standard Chartered Bank Kenya loan calculator for Ksh 1,000,000 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 15,138
120 monthly payments
Estimated total repayment
Ksh 1,816,586
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 816,586
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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Edit the values below; results update instantly.
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 18,197
For 120 months · incl. fees
Total repaid
Ksh 2,071,071
Principal Ksh 1,000,000 + Ksh 1,071,071 extras
Effective APR
17.89%
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 1,000,000 |
| 1 | Ksh 130,441 | Ksh 51,217 | Ksh 948,783 |
| 2 | Ksh 253,611 | Ksh 109,707 | Ksh 890,293 |
| 3 | Ksh 368,476 | Ksh 176,500 | Ksh 823,500 |
| 4 | Ksh 473,858 | Ksh 252,777 | Ksh 747,223 |
| 5 | Ksh 568,410 | Ksh 339,883 | Ksh 660,117 |
| 6 | Ksh 650,595 | Ksh 439,357 | Ksh 560,643 |
| 7 | Ksh 718,657 | Ksh 552,954 | Ksh 447,046 |
| 8 | Ksh 770,590 | Ksh 682,679 | Ksh 317,321 |
| 9 | Ksh 804,105 | Ksh 830,823 | Ksh 169,177 |
| 10 | Ksh 816,586 | Ksh 1,000,000 | 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.