DIB Bank Kenya loan calculator for Ksh 1,000,000 over 10 years.
Estimate repayment for a DIB Bank Kenya loan using the current 16.87% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 17,297
120 monthly payments
Estimated total repayment
Ksh 2,075,698
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,075,697
At 16.87%
Current DIB Bank Kenya loan interest rate
DIB Bank Kenya is listed at 16.87% 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
+0.88 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 20,942
For 120 months · incl. fees
Total repaid
Ksh 2,384,600
Principal Ksh 1,000,000 + Ksh 1,384,601 extras
Effective APR
22.19%
Advertised rate 16.87% · 107.6% 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 1,000,000 |
| 1 | Ksh 165,549 | Ksh 42,021 | Ksh 957,979 |
| 2 | Ksh 323,435 | Ksh 91,705 | Ksh 908,295 |
| 3 | Ksh 472,259 | Ksh 150,450 | Ksh 849,550 |
| 4 | Ksh 610,370 | Ksh 219,909 | Ksh 780,091 |
| 5 | Ksh 735,814 | Ksh 302,035 | Ksh 697,965 |
| 6 | Ksh 846,279 | Ksh 399,139 | Ksh 600,861 |
| 7 | Ksh 939,035 | Ksh 513,953 | Ksh 486,047 |
| 8 | Ksh 1,010,852 | Ksh 649,706 | Ksh 350,294 |
| 9 | Ksh 1,057,911 | Ksh 810,216 | Ksh 189,784 |
| 10 | Ksh 1,075,697 | Ksh 1,000,000 | 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.