Diamond Trust Bank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Diamond Trust Bank Kenya loan using the current 15.44% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,640
120 monthly payments
Estimated total repayment
Ksh 196,848
Ksh 100,000 principal + interest
Estimated interest
Ksh 96,848
At 15.44%
Current Diamond Trust Bank Kenya loan interest rate
Diamond Trust Bank Kenya is listed at 15.44% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
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Loan details
KESCentral Bank of Kenya · May 2025
-0.55 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,981
For 120 months · incl. fees
Total repaid
Ksh 229,990
Principal Ksh 100,000 + Ksh 129,990 extras
Effective APR
21.91%
Advertised rate 15.44% · 96.8% interest on principal
Repayment mix over 10 years
Early payments lean on interest; later ones clear principal.
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 100,000 |
| 1 | Ksh 15,126 | Ksh 4,558 | Ksh 95,442 |
| 2 | Ksh 29,497 | Ksh 9,873 | Ksh 90,127 |
| 3 | Ksh 42,986 | Ksh 16,068 | Ksh 83,932 |
| 4 | Ksh 55,448 | Ksh 23,291 | Ksh 76,709 |
| 5 | Ksh 66,713 | Ksh 31,711 | Ksh 68,289 |
| 6 | Ksh 76,581 | Ksh 41,528 | Ksh 58,472 |
| 7 | Ksh 84,822 | Ksh 52,972 | Ksh 47,028 |
| 8 | Ksh 91,165 | Ksh 66,313 | Ksh 33,687 |
| 9 | Ksh 95,296 | Ksh 81,867 | Ksh 18,133 |
| 10 | Ksh 96,848 | Ksh 100,000 | Ksh 0 |
What affects repayment?
Monthly repayment depends on loan amount, term, lending rate, processing fee, insurance and excise duty on interest.
Longer term tradeoff
A longer term can reduce monthly instalments but usually increases total interest paid over the life of the loan.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.