Diamond Trust Bank Kenya loan calculator for Ksh 1,000,000 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 24,022
60 monthly payments
Estimated total repayment
Ksh 1,441,291
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 441,291
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 27,428
For 60 months · incl. fees
Total repaid
Ksh 1,588,130
Principal Ksh 1,000,000 + Ksh 588,130 extras
Effective APR
21.02%
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 1,000,000 |
| 1 | Ksh 144,509 | Ksh 143,749 | Ksh 856,251 |
| 2 | Ksh 265,183 | Ksh 311,333 | Ksh 688,667 |
| 3 | Ksh 358,070 | Ksh 506,704 | Ksh 493,296 |
| 4 | Ksh 418,563 | Ksh 734,469 | Ksh 265,531 |
| 5 | Ksh 441,291 | 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.