Diamond Trust Bank Kenya loan calculator for Ksh 100,000 over 15 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 1,430
180 monthly payments
Estimated total repayment
Ksh 257,373
Ksh 100,000 principal + interest
Estimated interest
Ksh 157,372
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%.
Change loan details
Edit the values below; results update instantly.
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 1,771
For 180 months · incl. fees
Total repaid
Ksh 306,539
Principal Ksh 100,000 + Ksh 206,539 extras
Effective APR
21.46%
Advertised rate 15.44% · 157.4% interest on principal
Repayment mix over 15 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 15,313 | Ksh 1,845 | Ksh 98,155 |
| 2 | Ksh 30,320 | Ksh 3,996 | Ksh 96,004 |
| 3 | Ksh 44,971 | Ksh 6,504 | Ksh 93,496 |
| 4 | Ksh 59,205 | Ksh 9,427 | Ksh 90,573 |
| 5 | Ksh 72,955 | Ksh 12,836 | Ksh 87,164 |
| 6 | Ksh 86,140 | Ksh 16,809 | Ksh 83,191 |
| 7 | Ksh 98,666 | Ksh 21,441 | Ksh 78,559 |
| 8 | Ksh 110,424 | Ksh 26,841 | Ksh 73,159 |
| 9 | Ksh 121,286 | Ksh 33,137 | Ksh 66,863 |
| 10 | Ksh 131,105 | Ksh 40,476 | Ksh 59,524 |
| 11 | Ksh 139,707 | Ksh 49,033 | Ksh 50,967 |
| 12 | Ksh 146,890 | Ksh 59,008 | Ksh 40,992 |
| 13 | Ksh 152,419 | Ksh 70,637 | Ksh 29,363 |
| 14 | Ksh 156,019 | Ksh 84,195 | Ksh 15,805 |
| 15 | Ksh 157,372 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.