Standard Chartered Bank Kenya loan calculator for Ksh 10,000,000 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 151,382
120 monthly payments
Estimated total repayment
Ksh 18,165,864
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 8,165,865
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 181,966
For 120 months · incl. fees
Total repaid
Ksh 20,665,713
Principal Ksh 10,000,000 + Ksh 10,665,713 extras
Effective APR
17.76%
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 10,000,000 |
| 1 | Ksh 1,304,412 | Ksh 512,174 | Ksh 9,487,826 |
| 2 | Ksh 2,536,107 | Ksh 1,097,066 | Ksh 8,902,934 |
| 3 | Ksh 3,684,758 | Ksh 1,765,001 | Ksh 8,234,999 |
| 4 | Ksh 4,738,577 | Ksh 2,527,768 | Ksh 7,472,232 |
| 5 | Ksh 5,684,099 | Ksh 3,398,833 | Ksh 6,601,167 |
| 6 | Ksh 6,505,948 | Ksh 4,393,571 | Ksh 5,606,429 |
| 7 | Ksh 7,186,565 | Ksh 5,529,540 | Ksh 4,470,460 |
| 8 | Ksh 7,705,898 | Ksh 6,826,794 | Ksh 3,173,206 |
| 9 | Ksh 8,041,048 | Ksh 8,308,230 | Ksh 1,691,770 |
| 10 | Ksh 8,165,865 | Ksh 10,000,000 | 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.