Diamond Trust Bank Kenya loan calculator for Ksh 10,000,000 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 164,040
120 monthly payments
Estimated total repayment
Ksh 19,684,804
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 9,684,804
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 198,107
For 120 months · incl. fees
Total repaid
Ksh 22,504,019
Principal Ksh 10,000,000 + Ksh 12,504,019 extras
Effective APR
20.30%
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 10,000,000 |
| 1 | Ksh 1,512,635 | Ksh 455,846 | Ksh 9,544,154 |
| 2 | Ksh 2,949,686 | Ksh 987,275 | Ksh 9,012,725 |
| 3 | Ksh 4,298,621 | Ksh 1,606,820 | Ksh 8,393,180 |
| 4 | Ksh 5,544,831 | Ksh 2,329,091 | Ksh 7,670,909 |
| 5 | Ksh 6,671,282 | Ksh 3,171,120 | Ksh 6,828,880 |
| 6 | Ksh 7,658,116 | Ksh 4,152,766 | Ksh 5,847,234 |
| 7 | Ksh 8,482,186 | Ksh 5,297,177 | Ksh 4,702,823 |
| 8 | Ksh 9,116,501 | Ksh 6,631,342 | Ksh 3,368,658 |
| 9 | Ksh 9,529,601 | Ksh 8,186,723 | Ksh 1,813,277 |
| 10 | Ksh 9,684,804 | Ksh 10,000,000 | 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.