How much will I earn if I invest Ksh 10,000,000 at Guardian Bank for 10 years?

At Guardian Bank's weighted-average deposit rate of 8.17% per the Central Bank of Kenya (May 2025), a Ksh 10,000,000 deposit grows to approximately Ksh 22,574,398 after 10 years. That's about Ksh 12,574,398 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 10,000,000 invested there for 10 years would grow to about Ksh 25,480,929, meaningfully more than Guardian Bank's Ksh 22,574,398.

Guardian Bank · CBK May 2025

Invest Ksh 10,000,000 at Guardian Bank for 10 years.

At Guardian Bank's current weighted-average deposit rate of 8.17%, a Ksh 10,000,000 deposit grows to about Ksh 22,574,398 after 10 years — about Ksh 12,574,398 in interest, assuming monthly compounding and no withdrawals.

Final balance

Ksh 22,574,398

2.26× your deposit

Deposited

Ksh 10,000,000

One-off, no withdrawals

Interest earned

Ksh 12,574,398

At 8.17% p.a.

Year by year

Contributions form the floor; interest compounds on top.

Could you earn more elsewhere?

The same Ksh 10,000,000 in Cytonn Money Market Fund — currently Kenya's top-yielding MMF at 9.39% net of 15% WHT — would grow to about Ksh 25,480,929 over the same 10 years. Run your own numbers on the compound interest calculator.

Similar scenarios at Guardian Bank