Diamond Trust Bank Kenya loan calculator for Ksh 1,000,000 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 14,298
180 monthly payments
Estimated total repayment
Ksh 2,573,723
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,573,722
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 17,705
For 180 months · incl. fees
Total repaid
Ksh 3,020,391
Principal Ksh 1,000,000 + Ksh 2,020,391 extras
Effective APR
20.27%
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 1,000,000 |
| 1 | Ksh 153,130 | Ksh 18,451 | Ksh 981,549 |
| 2 | Ksh 303,202 | Ksh 39,961 | Ksh 960,039 |
| 3 | Ksh 449,706 | Ksh 65,038 | Ksh 934,962 |
| 4 | Ksh 592,053 | Ksh 94,273 | Ksh 905,727 |
| 5 | Ksh 729,552 | Ksh 128,356 | Ksh 871,644 |
| 6 | Ksh 861,400 | Ksh 168,089 | Ksh 831,911 |
| 7 | Ksh 986,659 | Ksh 214,411 | Ksh 785,589 |
| 8 | Ksh 1,104,238 | Ksh 268,413 | Ksh 731,587 |
| 9 | Ksh 1,212,864 | Ksh 331,370 | Ksh 668,630 |
| 10 | Ksh 1,311,050 | Ksh 404,765 | Ksh 595,235 |
| 11 | Ksh 1,397,067 | Ksh 490,329 | Ksh 509,671 |
| 12 | Ksh 1,468,896 | Ksh 590,081 | Ksh 409,919 |
| 13 | Ksh 1,524,186 | Ksh 706,373 | Ksh 293,627 |
| 14 | Ksh 1,560,194 | Ksh 841,947 | Ksh 158,053 |
| 15 | Ksh 1,573,722 | 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.
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