Diamond Trust Bank Kenya loan calculator for Ksh 2,000,000 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 28,597
180 monthly payments
Estimated total repayment
Ksh 5,147,444
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 3,147,444
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%.
Change loan details
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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 35,410
For 180 months · incl. fees
Total repaid
Ksh 6,035,783
Principal Ksh 2,000,000 + Ksh 4,035,783 extras
Effective APR
20.21%
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 2,000,000 |
| 1 | Ksh 306,261 | Ksh 36,902 | Ksh 1,963,098 |
| 2 | Ksh 606,403 | Ksh 79,923 | Ksh 1,920,077 |
| 3 | Ksh 899,412 | Ksh 130,077 | Ksh 1,869,923 |
| 4 | Ksh 1,184,105 | Ksh 188,547 | Ksh 1,811,453 |
| 5 | Ksh 1,459,103 | Ksh 256,711 | Ksh 1,743,289 |
| 6 | Ksh 1,722,799 | Ksh 336,179 | Ksh 1,663,821 |
| 7 | Ksh 1,973,319 | Ksh 428,822 | Ksh 1,571,178 |
| 8 | Ksh 2,208,477 | Ksh 536,827 | Ksh 1,463,173 |
| 9 | Ksh 2,425,727 | Ksh 662,739 | Ksh 1,337,261 |
| 10 | Ksh 2,622,100 | Ksh 809,529 | Ksh 1,190,471 |
| 11 | Ksh 2,794,134 | Ksh 980,658 | Ksh 1,019,342 |
| 12 | Ksh 2,937,793 | Ksh 1,180,162 | Ksh 819,838 |
| 13 | Ksh 3,048,372 | Ksh 1,412,746 | Ksh 587,254 |
| 14 | Ksh 3,120,388 | Ksh 1,683,894 | Ksh 316,106 |
| 15 | Ksh 3,147,444 | Ksh 2,000,000 | 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.