Diamond Trust Bank Kenya loan calculator for Ksh 10,000,000 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 134,941
240 monthly payments
Estimated total repayment
Ksh 32,385,948
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 22,385,947
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 169,008
For 240 months · incl. fees
Total repaid
Ksh 38,568,004
Principal Ksh 10,000,000 + Ksh 28,568,003 extras
Effective APR
20.10%
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 10,000,000 |
| 1 | Ksh 1,538,436 | Ksh 80,861 | Ksh 9,919,139 |
| 2 | Ksh 3,063,465 | Ksh 175,130 | Ksh 9,824,870 |
| 3 | Ksh 4,572,863 | Ksh 285,029 | Ksh 9,714,971 |
| 4 | Ksh 6,064,039 | Ksh 413,151 | Ksh 9,586,849 |
| 5 | Ksh 7,533,971 | Ksh 562,516 | Ksh 9,437,484 |
| 6 | Ksh 8,979,137 | Ksh 736,647 | Ksh 9,263,353 |
| 7 | Ksh 10,395,430 | Ksh 939,651 | Ksh 9,060,349 |
| 8 | Ksh 11,778,064 | Ksh 1,176,315 | Ksh 8,823,685 |
| 9 | Ksh 13,121,457 | Ksh 1,452,219 | Ksh 8,547,781 |
| 10 | Ksh 14,419,102 | Ksh 1,773,871 | Ksh 8,226,129 |
| 11 | Ksh 15,663,415 | Ksh 2,148,856 | Ksh 7,851,144 |
| 12 | Ksh 16,845,552 | Ksh 2,586,016 | Ksh 7,413,984 |
| 13 | Ksh 17,955,204 | Ksh 3,095,662 | Ksh 6,904,338 |
| 14 | Ksh 18,980,352 | Ksh 3,689,811 | Ksh 6,310,189 |
| 15 | Ksh 19,906,985 | Ksh 4,382,476 | Ksh 5,617,524 |
| 16 | Ksh 20,718,768 | Ksh 5,189,990 | Ksh 4,810,010 |
| 17 | Ksh 21,396,658 | Ksh 6,131,397 | Ksh 3,868,603 |
| 18 | Ksh 21,918,454 | Ksh 7,228,899 | Ksh 2,771,101 |
| 19 | Ksh 22,258,275 | Ksh 8,508,375 | Ksh 1,491,625 |
| 20 | Ksh 22,385,947 | 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.