Standard Chartered Bank Kenya loan calculator for Ksh 1,000,000 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 11,966
240 monthly payments
Estimated total repayment
Ksh 2,871,835
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,871,835
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 15,024
For 240 months · incl. fees
Total repaid
Ksh 3,416,414
Principal Ksh 1,000,000 + Ksh 2,416,414 extras
Effective APR
17.63%
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 1,000,000 |
| 1 | Ksh 132,859 | Ksh 10,733 | Ksh 989,267 |
| 2 | Ksh 264,194 | Ksh 22,989 | Ksh 977,011 |
| 3 | Ksh 393,789 | Ksh 36,986 | Ksh 963,014 |
| 4 | Ksh 521,397 | Ksh 52,970 | Ksh 947,030 |
| 5 | Ksh 646,735 | Ksh 71,223 | Ksh 928,777 |
| 6 | Ksh 769,482 | Ksh 92,068 | Ksh 907,932 |
| 7 | Ksh 889,270 | Ksh 115,873 | Ksh 884,127 |
| 8 | Ksh 1,005,677 | Ksh 143,057 | Ksh 856,943 |
| 9 | Ksh 1,118,225 | Ksh 174,101 | Ksh 825,899 |
| 10 | Ksh 1,226,365 | Ksh 209,552 | Ksh 790,448 |
| 11 | Ksh 1,329,473 | Ksh 250,037 | Ksh 749,963 |
| 12 | Ksh 1,426,832 | Ksh 296,269 | Ksh 703,731 |
| 13 | Ksh 1,517,627 | Ksh 349,066 | Ksh 650,934 |
| 14 | Ksh 1,600,925 | Ksh 409,359 | Ksh 590,641 |
| 15 | Ksh 1,675,664 | Ksh 478,212 | Ksh 521,788 |
| 16 | Ksh 1,740,627 | Ksh 556,841 | Ksh 443,159 |
| 17 | Ksh 1,794,426 | Ksh 646,633 | Ksh 353,367 |
| 18 | Ksh 1,835,477 | Ksh 749,175 | Ksh 250,826 |
| 19 | Ksh 1,861,969 | Ksh 866,274 | Ksh 133,726 |
| 20 | Ksh 1,871,835 | 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.