Diamond Trust Bank Kenya loan calculator for Ksh 5,000,000 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 67,471
240 monthly payments
Estimated total repayment
Ksh 16,192,973
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 11,192,974
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 84,504
For 240 months · incl. fees
Total repaid
Ksh 19,286,502
Principal Ksh 5,000,000 + Ksh 14,286,502 extras
Effective APR
20.11%
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 5,000,000 |
| 1 | Ksh 769,218 | Ksh 40,431 | Ksh 4,959,569 |
| 2 | Ksh 1,531,732 | Ksh 87,565 | Ksh 4,912,435 |
| 3 | Ksh 2,286,431 | Ksh 142,515 | Ksh 4,857,485 |
| 4 | Ksh 3,032,019 | Ksh 206,575 | Ksh 4,793,425 |
| 5 | Ksh 3,766,985 | Ksh 281,258 | Ksh 4,718,742 |
| 6 | Ksh 4,489,568 | Ksh 368,324 | Ksh 4,631,676 |
| 7 | Ksh 5,197,715 | Ksh 469,825 | Ksh 4,530,175 |
| 8 | Ksh 5,889,032 | Ksh 588,157 | Ksh 4,411,843 |
| 9 | Ksh 6,560,729 | Ksh 726,110 | Ksh 4,273,890 |
| 10 | Ksh 7,209,551 | Ksh 886,936 | Ksh 4,113,064 |
| 11 | Ksh 7,831,708 | Ksh 1,074,428 | Ksh 3,925,572 |
| 12 | Ksh 8,422,776 | Ksh 1,293,008 | Ksh 3,706,992 |
| 13 | Ksh 8,977,602 | Ksh 1,547,831 | Ksh 3,452,169 |
| 14 | Ksh 9,490,176 | Ksh 1,844,906 | Ksh 3,155,094 |
| 15 | Ksh 9,953,492 | Ksh 2,191,238 | Ksh 2,808,762 |
| 16 | Ksh 10,359,384 | Ksh 2,594,995 | Ksh 2,405,005 |
| 17 | Ksh 10,698,329 | Ksh 3,065,699 | Ksh 1,934,301 |
| 18 | Ksh 10,959,227 | Ksh 3,614,449 | Ksh 1,385,551 |
| 19 | Ksh 11,129,137 | Ksh 4,254,188 | Ksh 745,813 |
| 20 | Ksh 11,192,974 | 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.