Standard Chartered Bank Kenya loan calculator for Ksh 500,000 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 7,569
120 monthly payments
Estimated total repayment
Ksh 908,293
Ksh 500,000 principal + interest
Estimated interest
Ksh 408,293
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 9,098
For 120 months · incl. fees
Total repaid
Ksh 1,038,036
Principal Ksh 500,000 + Ksh 538,036 extras
Effective APR
18.04%
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 500,000 |
| 1 | Ksh 65,221 | Ksh 25,609 | Ksh 474,391 |
| 2 | Ksh 126,805 | Ksh 54,853 | Ksh 445,147 |
| 3 | Ksh 184,238 | Ksh 88,250 | Ksh 411,750 |
| 4 | Ksh 236,929 | Ksh 126,388 | Ksh 373,612 |
| 5 | Ksh 284,205 | Ksh 169,942 | Ksh 330,058 |
| 6 | Ksh 325,297 | Ksh 219,679 | Ksh 280,321 |
| 7 | Ksh 359,328 | Ksh 276,477 | Ksh 223,523 |
| 8 | Ksh 385,295 | Ksh 341,340 | Ksh 158,660 |
| 9 | Ksh 402,052 | Ksh 415,412 | Ksh 84,588 |
| 10 | Ksh 408,293 | Ksh 500,000 | 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.