Diamond Trust Bank Kenya loan calculator for Ksh 100,000 over 20 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 1,349
240 monthly payments
Estimated total repayment
Ksh 323,858
Ksh 100,000 principal + interest
Estimated interest
Ksh 223,859
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 1,690
For 240 months · incl. fees
Total repaid
Ksh 390,630
Principal Ksh 100,000 + Ksh 290,630 extras
Effective APR
21.28%
Advertised rate 15.44% · 223.9% interest on principal
Repayment mix over 20 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 15,384 | Ksh 809 | Ksh 99,191 |
| 2 | Ksh 30,635 | Ksh 1,751 | Ksh 98,249 |
| 3 | Ksh 45,729 | Ksh 2,850 | Ksh 97,150 |
| 4 | Ksh 60,640 | Ksh 4,132 | Ksh 95,868 |
| 5 | Ksh 75,340 | Ksh 5,625 | Ksh 94,375 |
| 6 | Ksh 89,791 | Ksh 7,366 | Ksh 92,634 |
| 7 | Ksh 103,954 | Ksh 9,397 | Ksh 90,603 |
| 8 | Ksh 117,781 | Ksh 11,763 | Ksh 88,237 |
| 9 | Ksh 131,215 | Ksh 14,522 | Ksh 85,478 |
| 10 | Ksh 144,191 | Ksh 17,739 | Ksh 82,261 |
| 11 | Ksh 156,634 | Ksh 21,489 | Ksh 78,511 |
| 12 | Ksh 168,456 | Ksh 25,860 | Ksh 74,140 |
| 13 | Ksh 179,552 | Ksh 30,957 | Ksh 69,043 |
| 14 | Ksh 189,804 | Ksh 36,898 | Ksh 63,102 |
| 15 | Ksh 199,070 | Ksh 43,825 | Ksh 56,175 |
| 16 | Ksh 207,188 | Ksh 51,900 | Ksh 48,100 |
| 17 | Ksh 213,967 | Ksh 61,314 | Ksh 38,686 |
| 18 | Ksh 219,185 | Ksh 72,289 | Ksh 27,711 |
| 19 | Ksh 222,583 | Ksh 85,084 | Ksh 14,916 |
| 20 | Ksh 223,859 | 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.