Diamond Trust Bank Kenya loan calculator for Ksh 5,000,000 over 5 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 120,108
60 monthly payments
Estimated total repayment
Ksh 7,206,454
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 2,206,454
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 137,141
For 60 months · incl. fees
Total repaid
Ksh 7,920,650
Principal Ksh 5,000,000 + Ksh 2,920,650 extras
Effective APR
20.81%
Advertised rate 15.44% · 44.1% interest on principal
Repayment mix over 5 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 722,545 | Ksh 718,746 | Ksh 4,281,254 |
| 2 | Ksh 1,325,916 | Ksh 1,556,666 | Ksh 3,443,334 |
| 3 | Ksh 1,790,352 | Ksh 2,533,521 | Ksh 2,466,479 |
| 4 | Ksh 2,092,817 | Ksh 3,672,347 | Ksh 1,327,653 |
| 5 | Ksh 2,206,454 | 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.