DIB Bank Kenya loan calculator for Ksh 1,000,000 over 15 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 15,298
180 monthly payments
Estimated total repayment
Ksh 2,753,640
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,753,640
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 18,943
For 180 months · incl. fees
Total repaid
Ksh 3,238,319
Principal Ksh 1,000,000 + Ksh 2,238,319 extras
Effective APR
22.02%
Advertised rate 16.87% · 175.4% 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 1,000,000 |
| 1 | Ksh 167,494 | Ksh 16,082 | Ksh 983,918 |
| 2 | Ksh 332,055 | Ksh 35,097 | Ksh 964,903 |
| 3 | Ksh 493,149 | Ksh 57,579 | Ksh 942,421 |
| 4 | Ksh 650,142 | Ksh 84,162 | Ksh 915,838 |
| 5 | Ksh 802,287 | Ksh 115,593 | Ksh 884,407 |
| 6 | Ksh 948,700 | Ksh 152,757 | Ksh 847,243 |
| 7 | Ksh 1,088,335 | Ksh 196,698 | Ksh 803,302 |
| 8 | Ksh 1,219,956 | Ksh 248,652 | Ksh 751,348 |
| 9 | Ksh 1,342,102 | Ksh 310,082 | Ksh 689,918 |
| 10 | Ksh 1,453,045 | Ksh 382,715 | Ksh 617,285 |
| 11 | Ksh 1,550,742 | Ksh 468,595 | Ksh 531,405 |
| 12 | Ksh 1,632,776 | Ksh 570,137 | Ksh 429,863 |
| 13 | Ksh 1,696,291 | Ksh 690,197 | Ksh 309,803 |
| 14 | Ksh 1,737,910 | Ksh 832,154 | Ksh 167,846 |
| 15 | Ksh 1,753,640 | 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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