Diamond Trust Bank Kenya loan calculator for Ksh 500,000 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 7,149
180 monthly payments
Estimated total repayment
Ksh 1,286,861
Ksh 500,000 principal + interest
Estimated interest
Ksh 786,861
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
Edit the values below; results update instantly.
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 8,853
For 180 months · incl. fees
Total repaid
Ksh 1,512,696
Principal Ksh 500,000 + Ksh 1,012,696 extras
Effective APR
20.40%
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 500,000 |
| 1 | Ksh 76,565 | Ksh 9,226 | Ksh 490,774 |
| 2 | Ksh 151,601 | Ksh 19,981 | Ksh 480,019 |
| 3 | Ksh 224,853 | Ksh 32,519 | Ksh 467,481 |
| 4 | Ksh 296,026 | Ksh 47,137 | Ksh 452,863 |
| 5 | Ksh 364,776 | Ksh 64,178 | Ksh 435,822 |
| 6 | Ksh 430,700 | Ksh 84,045 | Ksh 415,955 |
| 7 | Ksh 493,330 | Ksh 107,206 | Ksh 392,795 |
| 8 | Ksh 552,119 | Ksh 134,207 | Ksh 365,793 |
| 9 | Ksh 606,432 | Ksh 165,685 | Ksh 334,315 |
| 10 | Ksh 655,525 | Ksh 202,382 | Ksh 297,618 |
| 11 | Ksh 698,533 | Ksh 245,165 | Ksh 254,835 |
| 12 | Ksh 734,448 | Ksh 295,041 | Ksh 204,959 |
| 13 | Ksh 762,093 | Ksh 353,186 | Ksh 146,814 |
| 14 | Ksh 780,097 | Ksh 420,973 | Ksh 79,027 |
| 15 | Ksh 786,861 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.