Diamond Trust Bank Kenya loan calculator for Ksh 5,000,000 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 71,492
180 monthly payments
Estimated total repayment
Ksh 12,868,610
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 7,868,610
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 88,526
For 180 months · incl. fees
Total repaid
Ksh 15,081,957
Principal Ksh 5,000,000 + Ksh 10,081,957 extras
Effective APR
20.17%
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 5,000,000 |
| 1 | Ksh 765,652 | Ksh 92,255 | Ksh 4,907,745 |
| 2 | Ksh 1,516,008 | Ksh 199,807 | Ksh 4,800,193 |
| 3 | Ksh 2,248,530 | Ksh 325,192 | Ksh 4,674,808 |
| 4 | Ksh 2,960,263 | Ksh 471,367 | Ksh 4,528,633 |
| 5 | Ksh 3,647,758 | Ksh 641,779 | Ksh 4,358,221 |
| 6 | Ksh 4,306,998 | Ksh 840,446 | Ksh 4,159,554 |
| 7 | Ksh 4,933,296 | Ksh 1,072,055 | Ksh 3,927,945 |
| 8 | Ksh 5,521,192 | Ksh 1,342,066 | Ksh 3,657,934 |
| 9 | Ksh 6,064,318 | Ksh 1,656,848 | Ksh 3,343,152 |
| 10 | Ksh 6,555,250 | Ksh 2,023,823 | Ksh 2,976,177 |
| 11 | Ksh 6,985,335 | Ksh 2,451,646 | Ksh 2,548,354 |
| 12 | Ksh 7,344,482 | Ksh 2,950,406 | Ksh 2,049,594 |
| 13 | Ksh 7,620,931 | Ksh 3,531,864 | Ksh 1,468,136 |
| 14 | Ksh 7,800,969 | Ksh 4,209,734 | Ksh 790,266 |
| 15 | Ksh 7,868,610 | 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.