Diamond Trust Bank Kenya loan calculator for Ksh 100,000 over 5 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 2,402
60 monthly payments
Estimated total repayment
Ksh 144,129
Ksh 100,000 principal + interest
Estimated interest
Ksh 44,129
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 2,743
For 60 months · incl. fees
Total repaid
Ksh 163,313
Principal Ksh 100,000 + Ksh 63,313 extras
Effective APR
23.38%
Advertised rate 15.44% · 44.1% interest on principal
Repayment mix over 5 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 14,451 | Ksh 14,375 | Ksh 85,625 |
| 2 | Ksh 26,518 | Ksh 31,133 | Ksh 68,867 |
| 3 | Ksh 35,807 | Ksh 50,670 | Ksh 49,330 |
| 4 | Ksh 41,856 | Ksh 73,447 | Ksh 26,553 |
| 5 | Ksh 44,129 | 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.