Standard Chartered Bank Kenya loan calculator for Ksh 5,000,000 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 114,663
60 monthly payments
Estimated total repayment
Ksh 6,879,793
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 1,879,793
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 129,955
For 60 months · incl. fees
Total repaid
Ksh 7,526,560
Principal Ksh 5,000,000 + Ksh 2,526,560 extras
Effective APR
18.27%
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 5,000,000 |
| 1 | Ksh 622,503 | Ksh 753,456 | Ksh 4,246,544 |
| 2 | Ksh 1,138,030 | Ksh 1,613,887 | Ksh 3,386,113 |
| 3 | Ksh 1,531,395 | Ksh 2,596,481 | Ksh 2,403,519 |
| 4 | Ksh 1,785,251 | Ksh 3,718,583 | Ksh 1,281,417 |
| 5 | Ksh 1,879,793 | 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.