Diamond Trust Bank Kenya loan calculator for Ksh 5,000,000 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 82,020
120 monthly payments
Estimated total repayment
Ksh 9,842,402
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 4,842,402
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 99,053
For 120 months · incl. fees
Total repaid
Ksh 11,254,509
Principal Ksh 5,000,000 + Ksh 6,254,509 extras
Effective APR
20.32%
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 5,000,000 |
| 1 | Ksh 756,317 | Ksh 227,923 | Ksh 4,772,077 |
| 2 | Ksh 1,474,843 | Ksh 493,638 | Ksh 4,506,362 |
| 3 | Ksh 2,149,311 | Ksh 803,410 | Ksh 4,196,590 |
| 4 | Ksh 2,772,415 | Ksh 1,164,545 | Ksh 3,835,455 |
| 5 | Ksh 3,335,641 | Ksh 1,585,560 | Ksh 3,414,440 |
| 6 | Ksh 3,829,058 | Ksh 2,076,383 | Ksh 2,923,617 |
| 7 | Ksh 4,241,093 | Ksh 2,648,589 | Ksh 2,351,411 |
| 8 | Ksh 4,558,251 | Ksh 3,315,671 | Ksh 1,684,329 |
| 9 | Ksh 4,764,800 | Ksh 4,093,362 | Ksh 906,638 |
| 10 | Ksh 4,842,402 | Ksh 5,000,000 | 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.