Diamond Trust Bank Kenya loan calculator for Ksh 500,000 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 8,202
120 monthly payments
Estimated total repayment
Ksh 984,240
Ksh 500,000 principal + interest
Estimated interest
Ksh 484,240
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 9,905
For 120 months · incl. fees
Total repaid
Ksh 1,129,951
Principal Ksh 500,000 + Ksh 629,951 extras
Effective APR
20.60%
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 500,000 |
| 1 | Ksh 75,632 | Ksh 22,792 | Ksh 477,208 |
| 2 | Ksh 147,484 | Ksh 49,364 | Ksh 450,636 |
| 3 | Ksh 214,931 | Ksh 80,341 | Ksh 419,659 |
| 4 | Ksh 277,242 | Ksh 116,455 | Ksh 383,545 |
| 5 | Ksh 333,564 | Ksh 158,556 | Ksh 341,444 |
| 6 | Ksh 382,906 | Ksh 207,638 | Ksh 292,362 |
| 7 | Ksh 424,109 | Ksh 264,859 | Ksh 235,141 |
| 8 | Ksh 455,825 | Ksh 331,567 | Ksh 168,433 |
| 9 | Ksh 476,480 | Ksh 409,336 | Ksh 90,664 |
| 10 | Ksh 484,240 | Ksh 500,000 | 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.