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Helb Loan Repayment Terms And Conditions

Helb Loan Repayment Terms And Conditions

HELB was established with the aim of not just recovering all matured loans, but to raise sufficient funds to meet the rising loan demand and attain faster turnaround in Helb loan repayment.

Helb Loan Repayment consists of three tiers:

  1. Undergraduate section: which deals with the recovery of undergraduate loans.
  2. Jielimishe Loan: The section is charged with the responsibility of disbursing and recovering loans from salaried students.
  3. The allocation section: is charged with the responsibility of collection and updates of loanees’ accounts.


Helb Debt Management Department is committed to recovering all matured loans with utmost diligence in line with the HELB Act 1995 and in conformity with dynamic customer expectations.

Repaying your Student Loan

Undergraduate Loan Repayment starts within one year of completion of studies or within such a period as the Board decides to recall the loan whichever is earlier. However, you can make voluntary payments before or after you complete your studies to reduce your loan balance.

MUST READ: How to Apply for a HELB Loan as a First-Time Applicant

Completion of Loan Repayment

Upon completion of helb repayment, kindly seek clearance from HELB. Please note that only HELB and not your employer can confirm your loan repayment status.

HELB shall confirm loan repayment completion by issuing the certificate of clearance. For clearance, please fill in the Loan Recovery Enquiry form.

Over Repayment

If you overpay your loan, you will receive a refund from HELB and not your employer. To claim a refund, please fill in the Loan Recovery Enquiry form.

Click here to access HELB Enquiry Form

Jielimishe Loans (for salaried students)

Jielimishe Loans are due for repayment immediately upon disbursement.

You can alternatively pay your loan through the following modes.

1.  Helb Loan Repayment Bank Deposit (by Employer or Self)

All payments are payable to the Higher Education Loans Board, by crossed cheque, Bankers draft, direct transfer/standing order/EFT, or CASH DEPOSIT to HELB collection A/C in any of the following banks:

BankAccount NumberBranchElectronic Funds Transfer (EFT)
Kenya Commercial Bank1103 266 314University-waySWIFT CODE : KCBLKENX
Family Bank035 000 024 971Family Bank TowersSWIFT CODE : FABLKENAXXX
Co-operative Bank011290 612 228 00University-waySWIFT CODE : KCOOKENA
Barclays bank501 8216Barclays PlazaSWIFT CODE : BARCKENX
Standard chartered Bank010 801 826 4700Koinange streetSWIFT CODE : SCBLKENX
Equity bank055 029 357 3408Equity CenterSWIFT CODE : EQBLKENA
National Bank of Kenya010 016 039 1100Harambee AvenueSWIFT CODE :NBKEKENX
Citibank300 040 012NairobiSWIFT CODE : CITIKENA
Chase Bank0332 084 215 001Delta HouseSWIFT CODE : CKENKENAXXX
Jamii Bora Bank1174 852 7001Koinange streetSWIFT CODE : CIFIKENAXXX

2.  Mobile Payment Services via M-Pesa

Using M-PESA (Safaricom) Money Transfer:

  •  Select the pay bill option
  •  Enter HELB business number as 200800
  •  Enter your national ID number as your account number
  •  Enter the amount you want to pay
  •  Enter your secret PIN number
  •  Confirm the transaction and send

Note: The transaction will take 2 business days to reflect in your statement

3. Credit Card or debit (ATM) Card

Give authority to HELB to make monthly debits or lump-sum payments directly from your bank account or credit card. This is done by signing the CREDIT CARD AUTHORIZATION FORM (CCA) and forwarding the same to HELB. VISA-branded credit cards or debit (ATM) cards can also be swiped at HELB offices.

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