DIB Bank Kenya loan calculator for Ksh 1,000,000 over 20 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 14,569
240 monthly payments
Estimated total repayment
Ksh 3,496,615
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,496,615
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 18,214
For 240 months · incl. fees
Total repaid
Ksh 4,173,929
Principal Ksh 1,000,000 + Ksh 3,173,929 extras
Effective APR
21.96%
Advertised rate 16.87% · 249.7% 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 1,000,000 |
| 1 | Ksh 168,203 | Ksh 6,628 | Ksh 993,372 |
| 2 | Ksh 335,197 | Ksh 14,464 | Ksh 985,536 |
| 3 | Ksh 500,762 | Ksh 23,730 | Ksh 976,270 |
| 4 | Ksh 664,638 | Ksh 34,685 | Ksh 965,315 |
| 5 | Ksh 826,515 | Ksh 47,639 | Ksh 952,361 |
| 6 | Ksh 986,030 | Ksh 62,954 | Ksh 937,046 |
| 7 | Ksh 1,142,752 | Ksh 81,063 | Ksh 918,937 |
| 8 | Ksh 1,296,171 | Ksh 102,475 | Ksh 897,525 |
| 9 | Ksh 1,445,685 | Ksh 127,792 | Ksh 872,208 |
| 10 | Ksh 1,590,582 | Ksh 157,725 | Ksh 842,275 |
| 11 | Ksh 1,730,020 | Ksh 193,118 | Ksh 806,882 |
| 12 | Ksh 1,863,003 | Ksh 234,966 | Ksh 765,034 |
| 13 | Ksh 1,988,354 | Ksh 284,445 | Ksh 715,555 |
| 14 | Ksh 2,104,682 | Ksh 342,949 | Ksh 657,051 |
| 15 | Ksh 2,210,339 | Ksh 412,122 | Ksh 587,878 |
| 16 | Ksh 2,303,382 | Ksh 493,910 | Ksh 506,090 |
| 17 | Ksh 2,381,508 | Ksh 590,615 | Ksh 409,385 |
| 18 | Ksh 2,441,997 | Ksh 704,956 | Ksh 295,044 |
| 19 | Ksh 2,481,634 | Ksh 840,150 | Ksh 159,850 |
| 20 | Ksh 2,496,615 | 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.