How much HELB loan will I receive?

HELB disbursement depends on your funding band (1-5) based on family income. Band 1 (most vulnerable, up to KES 5,995/mo income) receives KES 60,000 annual upkeep plus 70% tuition scholarship. Band 5 (above KES 120,000/mo) receives KES 40,000 upkeep plus 30% scholarship.

How much is HELB repayment per month?

For employed graduates, HELB deducts 15% of your basic monthly salary. Repayment starts 1 year after graduation. The loan attracts 4% annual interest on reducing balance. Unemployed graduates should pay minimum KES 1,500/month to avoid penalties.

What is the HELB penalty for not paying?

If you fail to repay HELB after the 1-year grace period, you are charged KES 5,000 per month as a penalty. This accumulates and can quickly exceed your original loan. Registering with HELB and making minimum payments avoids penalties.

💰 HELB Loan Calculator

Estimate your loan disbursement, monthly repayments, and understand penalties

Your Upkeep (Personal Account)

KSh 0

Select your band below

Scholarship (Tuition)

Loan (Tuition)

Household Contribution

info HELB Funding Bands (2025/2026)

Your band is determined by the Means Testing Instrument (MTI) based on family income:

Band 1: Up to KSh 5,995/mo

Band 2: Up to KSh 23,670/mo

Band 3: Up to KSh 70,000/mo

Band 4: Up to KSh 120,000/mo

Band 5: Above KSh 120,000/mo

tune Select Your Details

Your Funding Band

Your Annual Tuition Fee (KSh) Enter the total tuition fee charged by your institution per year

Monthly Deduction

KSh 0

Enter loan details below

KSh 0

Principal Loan

KSh 0

Total Interest (4% p.a.)

KSh 0

Total Repayment

account_balance Repayment Info

HELB repayment starts 1 year after graduation. For employed graduates, 15% of your basic salary is deducted monthly. The loan attracts 4% annual interest on reducing balance.

calculate Calculate Repayment

Total Loan Amount (KSh) Your total HELB loan balance after graduation

Expected Monthly Salary (KSh) Your gross monthly salary after getting employed

Total Penalty Accumulated

KSh 0

Enter months delayed

KSh 5,000

Monthly Penalty

Months Delayed

KSh 0

Yearly Penalty

error Penalty Warning

If you fail to repay your HELB loan after the grace period (1 year after graduation), you will be charged KSh 5,000 per month as a penalty. This penalty accumulates and can quickly exceed your original loan amount. Avoid penalties by registering with HELB and making minimum payments of KSh 1,500/month if unemployed.

schedule Simulate Penalty

Months of Non-Payment Number of months you have not made any repayment after grace period