How much will I earn if I invest Ksh 500,000 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 500,000 deposit grows to approximately Ksh 1,695,877 after 15 years. That's about Ksh 1,195,877 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 500,000 invested there for 15 years would grow to about Ksh 2,033,728, meaningfully more than Guardian Bank's Ksh 1,695,877.

Guardian Bank · CBK May 2025

Invest Ksh 500,000 at Guardian Bank for 15 years.

At Guardian Bank's current weighted-average deposit rate of 8.17%, a Ksh 500,000 deposit grows to about Ksh 1,695,877 after 15 years — about Ksh 1,195,877 in interest, assuming monthly compounding and no withdrawals.

Final balance

Ksh 1,695,877

3.39× your deposit

Deposited

Ksh 500,000

One-off, no withdrawals

Interest earned

Ksh 1,195,877

At 8.17% p.a.

Year by year

Contributions form the floor; interest compounds on top.

Could you earn more elsewhere?

The same Ksh 500,000 in Cytonn Money Market Fund — currently Kenya's top-yielding MMF at 9.39% net of 15% WHT — would grow to about Ksh 2,033,728 over the same 15 years. Run your own numbers on the compound interest calculator.

Similar scenarios at Guardian Bank