Standard Chartered Bank Kenya loan calculator for Ksh 5,000,000 over 15 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 64,418
180 monthly payments
Estimated total repayment
Ksh 11,595,229
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 6,595,229
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 79,710
For 180 months · incl. fees
Total repaid
Ksh 13,538,300
Principal Ksh 5,000,000 + Ksh 8,538,300 extras
Effective APR
17.62%
Advertised rate 13.35% · 131.9% interest on principal
Repayment mix over 15 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 660,798 | Ksh 112,217 | Ksh 4,887,783 |
| 2 | Ksh 1,305,664 | Ksh 240,367 | Ksh 4,759,633 |
| 3 | Ksh 1,932,335 | Ksh 386,711 | Ksh 4,613,289 |
| 4 | Ksh 2,538,229 | Ksh 553,832 | Ksh 4,446,168 |
| 5 | Ksh 3,120,394 | Ksh 744,682 | Ksh 4,255,318 |
| 6 | Ksh 3,675,463 | Ksh 962,628 | Ksh 4,037,372 |
| 7 | Ksh 4,199,588 | Ksh 1,211,519 | Ksh 3,788,481 |
| 8 | Ksh 4,688,376 | Ksh 1,495,746 | Ksh 3,504,254 |
| 9 | Ksh 5,136,810 | Ksh 1,820,328 | Ksh 3,179,672 |
| 10 | Ksh 5,539,159 | Ksh 2,190,994 | Ksh 2,809,006 |
| 11 | Ksh 5,888,882 | Ksh 2,614,286 | Ksh 2,385,714 |
| 12 | Ksh 6,178,506 | Ksh 3,097,677 | Ksh 1,902,323 |
| 13 | Ksh 6,399,499 | Ksh 3,649,700 | Ksh 1,350,300 |
| 14 | Ksh 6,542,116 | Ksh 4,280,098 | Ksh 719,902 |
| 15 | Ksh 6,595,229 | 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.