Diamond Trust Bank Kenya loan calculator for Ksh 500,000 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 6,747
240 monthly payments
Estimated total repayment
Ksh 1,619,297
Ksh 500,000 principal + interest
Estimated interest
Ksh 1,119,297
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 8,450
For 240 months · incl. fees
Total repaid
Ksh 1,933,150
Principal Ksh 500,000 + Ksh 1,433,150 extras
Effective APR
20.31%
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 500,000 |
| 1 | Ksh 76,922 | Ksh 4,043 | Ksh 495,957 |
| 2 | Ksh 153,173 | Ksh 8,756 | Ksh 491,244 |
| 3 | Ksh 228,643 | Ksh 14,251 | Ksh 485,749 |
| 4 | Ksh 303,202 | Ksh 20,658 | Ksh 479,342 |
| 5 | Ksh 376,699 | Ksh 28,126 | Ksh 471,874 |
| 6 | Ksh 448,957 | Ksh 36,832 | Ksh 463,168 |
| 7 | Ksh 519,772 | Ksh 46,983 | Ksh 453,017 |
| 8 | Ksh 588,903 | Ksh 58,816 | Ksh 441,184 |
| 9 | Ksh 656,073 | Ksh 72,611 | Ksh 427,389 |
| 10 | Ksh 720,955 | Ksh 88,694 | Ksh 411,306 |
| 11 | Ksh 783,171 | Ksh 107,443 | Ksh 392,557 |
| 12 | Ksh 842,278 | Ksh 129,301 | Ksh 370,699 |
| 13 | Ksh 897,760 | Ksh 154,783 | Ksh 345,217 |
| 14 | Ksh 949,018 | Ksh 184,491 | Ksh 315,509 |
| 15 | Ksh 995,349 | Ksh 219,124 | Ksh 280,876 |
| 16 | Ksh 1,035,938 | Ksh 259,500 | Ksh 240,501 |
| 17 | Ksh 1,069,833 | Ksh 306,570 | Ksh 193,430 |
| 18 | Ksh 1,095,923 | Ksh 361,445 | Ksh 138,555 |
| 19 | Ksh 1,112,914 | Ksh 425,419 | Ksh 74,581 |
| 20 | Ksh 1,119,297 | 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.