Diamond Trust Bank Kenya loan calculator for Ksh 2,000,000 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 48,043
60 monthly payments
Estimated total repayment
Ksh 2,882,582
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 882,582
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 54,856
For 60 months · incl. fees
Total repaid
Ksh 3,171,260
Principal Ksh 2,000,000 + Ksh 1,171,260 extras
Effective APR
20.89%
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 2,000,000 |
| 1 | Ksh 289,018 | Ksh 287,498 | Ksh 1,712,502 |
| 2 | Ksh 530,366 | Ksh 622,666 | Ksh 1,377,334 |
| 3 | Ksh 716,141 | Ksh 1,013,408 | Ksh 986,592 |
| 4 | Ksh 837,127 | Ksh 1,468,939 | Ksh 531,061 |
| 5 | Ksh 882,582 | 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.