Standard Chartered Bank Kenya loan calculator for Ksh 10,000,000 over 5 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 229,326
60 monthly payments
Estimated total repayment
Ksh 13,759,585
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 3,759,585
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%.
Change loan details
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 259,910
For 60 months · incl. fees
Total repaid
Ksh 15,048,120
Principal Ksh 10,000,000 + Ksh 5,048,119 extras
Effective APR
18.25%
Advertised rate 13.35% · 37.6% interest on principal
Repayment mix over 5 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 1,245,005 | Ksh 1,506,912 | Ksh 8,493,088 |
| 2 | Ksh 2,276,061 | Ksh 3,227,773 | Ksh 6,772,227 |
| 3 | Ksh 3,062,790 | Ksh 5,192,962 | Ksh 4,807,038 |
| 4 | Ksh 3,570,503 | Ksh 7,437,166 | Ksh 2,562,834 |
| 5 | Ksh 3,759,585 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.