Diamond Trust Bank Kenya loan calculator for Ksh 1,000,000 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 16,404
120 monthly payments
Estimated total repayment
Ksh 1,968,480
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 968,480
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 19,811
For 120 months · incl. fees
Total repaid
Ksh 2,254,902
Principal Ksh 1,000,000 + Ksh 1,254,902 extras
Effective APR
20.44%
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 1,000,000 |
| 1 | Ksh 151,263 | Ksh 45,585 | Ksh 954,415 |
| 2 | Ksh 294,969 | Ksh 98,728 | Ksh 901,273 |
| 3 | Ksh 429,862 | Ksh 160,682 | Ksh 839,318 |
| 4 | Ksh 554,483 | Ksh 232,909 | Ksh 767,091 |
| 5 | Ksh 667,128 | Ksh 317,112 | Ksh 682,888 |
| 6 | Ksh 765,812 | Ksh 415,277 | Ksh 584,723 |
| 7 | Ksh 848,219 | Ksh 529,718 | Ksh 470,282 |
| 8 | Ksh 911,650 | Ksh 663,134 | Ksh 336,866 |
| 9 | Ksh 952,960 | Ksh 818,672 | Ksh 181,328 |
| 10 | Ksh 968,480 | Ksh 1,000,000 | 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.