DIB Bank Kenya loan calculator for Ksh 10,000,000 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 172,975
120 monthly payments
Estimated total repayment
Ksh 20,756,972
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 10,756,972
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%.
Change loan details
Edit the values below; results update instantly.
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 209,425
For 120 months · incl. fees
Total repaid
Ksh 23,801,005
Principal Ksh 10,000,000 + Ksh 13,801,005 extras
Effective APR
22.05%
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 10,000,000 |
| 1 | Ksh 1,655,492 | Ksh 420,206 | Ksh 9,579,794 |
| 2 | Ksh 3,234,348 | Ksh 917,046 | Ksh 9,082,954 |
| 3 | Ksh 4,722,594 | Ksh 1,504,498 | Ksh 8,495,502 |
| 4 | Ksh 6,103,702 | Ksh 2,199,086 | Ksh 7,800,914 |
| 5 | Ksh 7,358,136 | Ksh 3,020,350 | Ksh 6,979,650 |
| 6 | Ksh 8,462,791 | Ksh 3,991,392 | Ksh 6,008,608 |
| 7 | Ksh 9,390,352 | Ksh 5,139,528 | Ksh 4,860,472 |
| 8 | Ksh 10,108,522 | Ksh 6,497,056 | Ksh 3,502,944 |
| 9 | Ksh 10,579,112 | Ksh 8,102,162 | Ksh 1,897,838 |
| 10 | Ksh 10,756,972 | Ksh 10,000,000 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.