Standard Chartered Bank Kenya loan calculator for Ksh 5,000,000 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 75,691
120 monthly payments
Estimated total repayment
Ksh 9,082,932
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 4,082,932
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 90,983
For 120 months · incl. fees
Total repaid
Ksh 10,335,356
Principal Ksh 5,000,000 + Ksh 5,335,356 extras
Effective APR
17.77%
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 5,000,000 |
| 1 | Ksh 652,206 | Ksh 256,087 | Ksh 4,743,913 |
| 2 | Ksh 1,268,053 | Ksh 548,533 | Ksh 4,451,467 |
| 3 | Ksh 1,842,379 | Ksh 882,500 | Ksh 4,117,500 |
| 4 | Ksh 2,369,289 | Ksh 1,263,884 | Ksh 3,736,116 |
| 5 | Ksh 2,842,050 | Ksh 1,699,416 | Ksh 3,300,584 |
| 6 | Ksh 3,252,974 | Ksh 2,196,785 | Ksh 2,803,215 |
| 7 | Ksh 3,593,283 | Ksh 2,764,770 | Ksh 2,235,230 |
| 8 | Ksh 3,852,949 | Ksh 3,413,397 | Ksh 1,586,603 |
| 9 | Ksh 4,020,524 | Ksh 4,154,115 | Ksh 845,885 |
| 10 | Ksh 4,082,932 | Ksh 5,000,000 | 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.