How much will I earn if I invest Ksh 100,000 at Guardian Bank for 15 years?

At Guardian Bank's weighted-average deposit rate of 8.17% per the Central Bank of Kenya (May 2025), a Ksh 100,000 deposit grows to approximately Ksh 339,175 after 15 years. That's about Ksh 239,175 of interest, assuming monthly compounding and no withdrawals.

What is Guardian Bank's deposit rate right now?

Guardian Bank publishes a weighted-average deposit rate of 8.17% (May 2025, Central Bank of Kenya).

Would a Kenyan Money Market Fund earn more than Guardian Bank?

Yes — Cytonn Asset Managers's Cytonn Money Market Fund currently yields 9.39% net of 15% withholding tax. The same Ksh 100,000 invested there for 15 years would grow to about Ksh 406,746, meaningfully more than Guardian Bank's Ksh 339,175.

Guardian Bank · CBK May 2025

Invest Ksh 100,000 at Guardian Bank for 15 years.

At Guardian Bank's current weighted-average deposit rate of 8.17%, a Ksh 100,000 deposit grows to about Ksh 339,175 after 15 years — about Ksh 239,175 in interest, assuming monthly compounding and no withdrawals.

Final balance

Ksh 339,175

3.39× your deposit

Deposited

Ksh 100,000

One-off, no withdrawals

Interest earned

Ksh 239,175

At 8.17% p.a.

Year by year

Contributions form the floor; interest compounds on top.

Could you earn more elsewhere?

The same Ksh 100,000 in Cytonn Money Market Fund — currently Kenya's top-yielding MMF at 9.39% net of 15% WHT — would grow to about Ksh 406,746 over the same 15 years. Run your own numbers on the compound interest calculator.

Similar scenarios at Guardian Bank