Diamond Trust Bank Kenya loan calculator for Ksh 1,000,000 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 13,494
240 monthly payments
Estimated total repayment
Ksh 3,238,594
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,238,595
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 16,901
For 240 months · incl. fees
Total repaid
Ksh 3,861,300
Principal Ksh 1,000,000 + Ksh 2,861,300 extras
Effective APR
20.20%
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 1,000,000 |
| 1 | Ksh 153,844 | Ksh 8,086 | Ksh 991,914 |
| 2 | Ksh 306,346 | Ksh 17,513 | Ksh 982,487 |
| 3 | Ksh 457,286 | Ksh 28,503 | Ksh 971,497 |
| 4 | Ksh 606,404 | Ksh 41,315 | Ksh 958,685 |
| 5 | Ksh 753,397 | Ksh 56,252 | Ksh 943,748 |
| 6 | Ksh 897,914 | Ksh 73,665 | Ksh 926,335 |
| 7 | Ksh 1,039,543 | Ksh 93,965 | Ksh 906,035 |
| 8 | Ksh 1,177,806 | Ksh 117,631 | Ksh 882,369 |
| 9 | Ksh 1,312,146 | Ksh 145,222 | Ksh 854,778 |
| 10 | Ksh 1,441,910 | Ksh 177,387 | Ksh 822,613 |
| 11 | Ksh 1,566,342 | Ksh 214,886 | Ksh 785,114 |
| 12 | Ksh 1,684,555 | Ksh 258,602 | Ksh 741,398 |
| 13 | Ksh 1,795,520 | Ksh 309,566 | Ksh 690,434 |
| 14 | Ksh 1,898,035 | Ksh 368,981 | Ksh 631,019 |
| 15 | Ksh 1,990,698 | Ksh 438,248 | Ksh 561,752 |
| 16 | Ksh 2,071,877 | Ksh 518,999 | Ksh 481,001 |
| 17 | Ksh 2,139,666 | Ksh 613,140 | Ksh 386,860 |
| 18 | Ksh 2,191,845 | Ksh 722,890 | Ksh 277,110 |
| 19 | Ksh 2,225,827 | Ksh 850,838 | Ksh 149,163 |
| 20 | Ksh 2,238,595 | 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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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.