Why are deposit-taking SACCOs regulated in Kenya?
Deposit-taking SACCOs in Kenya are regulated by the Sacco Societies Regulatory Authority (SASRA), a state corporation established in 2010. Its main role is to license and supervise SACCOs that accept deposits from members.
SASRA ensures financial stability, protects members’ savings, and promotes confidence in the SACCO sector. It also supports economic growth by encouraging savings and financial inclusion across Kenya.
What are licensed deposit-taking SACCOs in Kenya?
How many SACCOs are licensed in Kenya in 2026?
As of 2026, Kenya has 178 licensed deposit-taking SACCOs authorized to operate under SASRA regulations. These SACCOs are allowed to mobilize savings, offer loans, and provide financial services to members.
Why is SASRA licensing important for SACCOs in Kenya?
What does SASRA regulation mean for members?
SASRA licensing ensures that SACCOs operate under strict financial and governance standards. This protects members from mismanagement, fraud, and financial instability.
Licensed SACCOs are regularly inspected and required to maintain proper financial reporting and liquidity levels.
What services do deposit-taking SACCOs in Kenya offer?
Why do Kenyans prefer SACCOs for savings and loans?
Licensed SACCOs provide a wide range of financial services, including:
- Savings accounts
- Fixed deposits
- Emergency loans
- Business loans
- Salary advance loans
- Asset financing
- Dividend payments
They are popular due to lower interest rates and member-based ownership.
How do deposit-taking SACCOs support Kenya’s economy?
What role do SACCOs play in financial growth?
Deposit-taking SACCOs mobilize savings from individuals and channel them into loans for businesses, agriculture, housing, and personal development.
This strengthens financial inclusion, especially in rural areas where access to commercial banks may be limited.
What risks do SACCO members face in Kenya?
Are all SACCOs safe to invest in?
While licensed SACCOs are regulated, members may still face risks such as poor management, loan defaults, or liquidity challenges.
SASRA oversight helps reduce these risks by enforcing compliance and financial discipline.
How can you identify a licensed SACCO in Kenya?
What should members check before joining a SACCO?
Before joining a SACCO, members should confirm:
- SASRA licensing status
- Financial statements and audits
- Membership structure
- Loan terms and interest rates
- Physical office location and registration details
This helps ensure safety of savings and investments.
What is the future of SACCOs in Kenya?
Will SACCOs continue to grow?
SACCOs in Kenya are expected to grow due to increasing demand for affordable credit, digital banking services, and financial inclusion programs.
Many SACCOs are also adopting mobile banking platforms to improve accessibility and efficiency.
Final question: Why are deposit-taking SACCOs important in Kenya?
Licensed deposit-taking SACCOs are important because they promote savings, provide affordable credit, and support economic development. They remain a key pillar of Kenya’s financial system and continue to empower millions of members across the country.
List of Licensed Deposit-taking SACCOs In Kenya 2026
| SACCO | Head Office Location | |
| 1 | 2NK Sacco Society Ltd | Kangaru Building, Gakere Road |
| 2 | Acumen DT Sacco Society Limited | Great Wide Mall, Magadi Road, Rongai |
| 3 | Afya Sacco Society Ltd | Afya Centre, Tom Mboya Street, Nairobi |
| 4 | Agrochem Sacco Society Ltd | Muhoroni Town |
| 5 | Ainabkoi Sacco Society Ltd | Ainabkoi Farmers’ Cooperative Society Land Eldoret, Naiberi, Tim- boroa Road |
| 6 | Airports Sacco Society Ltd | Kenya Airports Authority Headquarters Building |
| 7 | Amica Sacco Society Ltd | Mugama Union Building – Uhuru Road, Murang’a |
| 8 | Ammar Sacco Society Ltd | Elica Plaza, Kwame Nkrumah Road, Thika Town |
| 9 | Apstar DT Sacco Society Ltd | Ukulima Cooperative House, Haile Selassie Avenue, Nairobi |
| 10 | Ardhi Sacco Society Ltd | Survey Kenya Field Headquarters, Off Thika Road |
| 11 | Asili Sacco Society Ltd | Asili Co–op Centre, The Lower Ngara Road, Nairobi |
| 12 | Azima Sacco Society Ltd | Azima Sacco Plaza, Wabera Street, Thika |
| 13 | Bandari Sacco Society Ltd | Moi Avenue, Mombasa |
| 14 | Baraka Sacco Society Ltd | Station Road, Off Kiaruhiu Street, Karatina |
| 15 | Baraton Sacco Society Ltd | University Of Eastern Africa, Baraton, Off Eldoret – Kapsabet Road, Chepterit Junction |
| 16 | Biashara Sacco Society Ltd | Biashara Sacco Building, Kimathi Way, Nyeri Town |
| 17 | Biashara Tosha Sacco Society Ltd | Gakundu F.C.S Building, Embu – Kianjokoma Road, Embu |
| 18 | Bingwa Sacco Society Ltd | Bingwa Sacco Complex, Kutus – Karatina Road, Kerugoya Town |
| 19 | Boresha Sacco Society Ltd | Teachers Plaza – Market Road, Eldama Ravine Town |
| 20 | Capital Sacco Society Ltd | Maccu Building, Kenyatta Highway, Meru |
| 21 | Centenary Sacco Society Ltd | Intercity Building, Meru – Nanyuki Highway, Meru Town Centre |
| 22 | Chai Sacco Society Ltd | Chai House, Koinange Street, Nairobi |
| 23 | Chuka University Sacco Society Ltd | Chuka University, Students Recreation Centre, Chuka Town |
| 24 | Chuna Sacco Society Ltd | University of Nairobi, Engineering Department Building – Harry Thuku Road |
| 25 | Cosmopolitan Sacco Society Ltd | Natec Plaza, Kijabe Row Street, Nakuru |
| 26 | County Sacco Society Ltd | County Sacco Building, Kanja Shauri Road, Kanja Town |
| 27 | Daima Sacco Society Ltd | Daima Sacco Building, Mutunduri – Kianjokoma Road, Manyatta Market Centre |
| 28 | Defence Sacco Society Ltd | Ulinzi House, Lenana Road, Hurlingham, Nairobi |
| 29 | Dhabiti Sacco Society Ltd | Dhabiti Sacco Building, Maua – Mikinduri Road, Maua Township |
| 30 | Dimkes DT Sacco Society Ltd | Bishop Magua House, Biashara Street, Kiambu Town |
| 31 | Eco – Pillar Sacco Society Ltd | Makutano Teachers Plaza, Lotodo Street, Kapenguria Town |
| 32 | Edis Sacco Society Ltd | Ngocho Building, Opposite NCPD, Ngocho, Bomet |
| 33 | Egerton University Sacco Society Ltd | Egerton Sacco Plaza, Egerton University, Njoro Township |
| 34 | Elimu Sacco Society Ltd | Mubiru Road, Nairobi |
| 35 | Enea Sacco Society Ltd | Kiangararu House, Karatina – Nairobi Highway, Karatina Town |
| 36 | Faridi Sacco Society Ltd | Faridi Housing Plaza, Busia – Kisumu Road |
| 37 | Fariji Sacco Society Ltd | Diplomat Building, Githunguri Street, Kiambu |
| 38 | Fortitude Sacco Society Ltd | Fortitude Sacco Building, Mbita Township |
| 39 | Fortune Sacco Society Ltd | Fortune Plaza, Main Street, Kerugoya |
| 40 | Fundilima Sacco Society Ltd | Fedha House,JKUAT, Juja Town |
| 41 | GDC Sacco Society Ltd | GDC Sacco Plaza, Market Street, Kiambu |
| 42 | Golden Pillar Sacco Society Ltd | Imenti Complex, Main Stage, Meru Town |
| 43 | Good Faith Sacco Society Ltd | Nyambari Kiambu–Kiwa House, Uplands Githunguri Rd |
| 44 | Good Hope Sacco | Mwalimu Plaza, Narok-Kijabe Road, Narok |
| 45 | Goodway Sacco Society Ltd | Machere Plaza, Kerugoya Back Street, Kerugoya Town |
| 46 | Gusii Mwalimu Sacco Society Ltd | Mwalimu House, Kisii – Kericho Road, Kisii |
| 47 | Harambee DT Sacco Society Ltd | Harambee Sacco Plaza, Haile Selassie Avenue, Nairobi |
| 48 | Hazina Sacco Society Ltd | Hazina Sacco Place, Ngong Road, Nairobi |
| 49 | Home Business Sacco Society Ltd | Tec Biz Centre, Koinange Road, Nyahururu Town |
| 50 | Ilkisonko Sacco Society | Musangairo FCS Building, Loitokitok Town |
| 51 | Imarika Sacco Society Ltd | Imarika Plaza, Kenyatta Road, Kilifi |
| 52 | Imarisha Sacco Society Ltd | Kipsigis Teachers Cooperative House, Kisumu – Nakuru Highway |
| 53 | Invest & Grow (IG) Sacco Society Ltd | Invest & Grow Plaza, Khalisia Road 3, Kakamega |
| 54 | Jamii Sacco Society Ltd | Jamii Sacco Court, Mukenia Road, South B, Nairobi |
| 55 | Jamii Yetu Sacco Society Ltd | Amwathi MMH Sacco Plaza, Kanuni Road, Maua |
| 56 | Jitegemee Sacco Society Ltd | L.R No. 242, Msa/Block 134/XXVI, Kizingo House No.2, Kaunda Street, Mvita, Mombasa. |
| 57 | Jogoo Sacco Society Ltd | Commodore Office Suites, Off Ngong/Ring Road Kindaru- ma Avenue, Nairobi |
| 58 | Joinas Sacco Society Ltd | Kanja House, Limuru – Banana Road, Banana Town |
| 59 | Jumuika Sacco Society Ltd | Chemelil Sugar Sports Complex |
| 60 | K – Pillar Sacco Society Ltd | K – Pillar Building, Bomet – Litein Road, Mogogosiek |
| 61 | K – Unity Sacco Society Ltd | K – Unity Building, Kiambu Town |
| 62 | Kabiyet Sacco Society Ltd | Mosoriot – Kaiboi Road, Kabiyet Trading Centre |
| 63 | Kencream Sacco Society Ltd | Creamary House, Dakar Road, Nairobi |
| 64 | Kenpipe Sacco Society Ltd | Kenpipe Plaza, Sekoni Road, Nairobi |
| 65 | Kenversity Sacco Society Ltd | Kenversity Plaza, Kahawa Sukari Road, Nairobi |
| 66 | Kenya Achievas Sacco Society Ltd | Achievas Plaza, Kisii – Kilgoris Road, Nyamache Town, Kisii |
| 67 | Kenya Highlands Sacco Society Ltd | Temiik House, Kericho – Kisumu Highway |
| 68 | Kenya National Police DT Sacco Society Ltd | Kenya Police Sacco Plaza, Ngara Road, Nairobi |
| 69 | Keystone DT Sacco Society Ltd | Kenya Re – Insurance Plaza, Bank Street, Kisumu |
| 70 | Kimbilio Daima Sacco Society Ltd | Chepsol Plaza, Kimulot Road, Kapset |
| 71 | Kimisitu Sacco Society Ltd | AEA Plaza, Valley Road, Nairobi |
| 72 | Kingdom Sacco Society Ltd | Empower House, Githurai 45, Thika Road |
| 73 | Kolenge Tea Sacco Society Ltd | Nandi Hills Plaza, Nandi Hills Town |
| 74 | Koru DT Sacco Society Ltd | Homalime Company Limited, Koru Town |
| 75 | Kumbukumbu SACCO Society Ltd | National Museum Headquarters, Museum Hill Road, Nairobi |
| 76 | Kwetu DT Sacco Society Ltd | Mwalimu Centre, Syokimau Road, Machakos Town |
| 77 | Kwikas DT Sacco Society Ltd | Ndaragwa Umoja Building, Kimathi Road, Nyandarua |
| 78 | Lainisha Sacco Society Ltd | Lainisha Sacco Building, Mwea Town, Kirinyaga |
| 79 | Lamu Teachers Sacco Ltd | L.R No 784/1, Lamu Teachers Sacco Building, Galogalo Street, Lamu |
| 80 | Lengo Sacco Society Ltd | Standard Arcade – Mama Ngina Street, Malindi Town |
| 81 | Mafanikio Sacco Society Ltd | Mombasa Teachers Building, Jomo Kenyatta Avenue, Mombasa |
| 82 | Magadi Sacco Society Ltd | Pam View Building, Magadi Road, Magadi Soda, Kajiado |
| 83 | Magereza Sacco Society Ltd | Mageso Chambers, Moi Avenue, Nairobi |
| 84 | Maisha Bora Sacco Society Ltd | Commercial Street, Industrial Area, Nairobi |
| 85 | Mentor Sacco Society Ltd | Mentor Plaza, Uhuru Road, Murang’a |
| 86 | Mhasibu DT Sacco Society Ltd | Absa Towers, Market Street, Nairobi |
| 87 | Mudete Sacco Society Ltd. | Sacco Plaza, Khayega, Kakamega |
| 88 | Muki Sacco Society Ltd | Muki House, Ndunyu Njeru Road, Kinangop |
| 89 | Mwalimu National Sacco Society Ltd | Hill Lane, Nairobi City |
| 90 | Mwietheri Sacco Society Ltd | Rungeto F.C.S, Githure |
| 91 | Mwito Sacco Society Ltd | Mwito Building, Desai Road, Nairobi |
| 92 | Nacico Sacco Society Ltd | NACICO Plaza, Landhies Road, Nairobi |
| 93 | Nafasi DT Sacco Society Ltd | NCPB Nairobi Silos Complex, Off Outering Road, Nairobi |
| 94 | Nandi Farmers Sacco Society Ltd | Nandi Hills Plaza, Market Street, |
| 95 | Nation DT Sacco Society Ltd | Cambrian Building, Moi Avenue, Nairobi |
| 96 | Nawiri Sacco Society Ltd | EMCO House, Taifa Road, Embu |
| 97 | Ndege Chai Sacco Society Ltd | Ndege Chai House, Kericho – Nakuru Highway, Kericho |
| 98 | Ndosha Sacco Society Ltd | L.R No. Plot 1206, Ndosha Sacco Plaza, Chogoria. |
| 99 | New Fortis Sacco Society Ltd | New Fortis Sacco Plaza, Off Kenyatta Road, Nyeri Town |
| 100 | Nexus Sacco Society Ltd | Kathera House, Kamunara, Nkubu, Meru |
| 101 | Ng'arisha Sacco Society Ltd | Bungoma Teachers Plaza, Bungoma |
| 102 | Njiwa Sacco Sacco Ltd | Golf View Office Suites, Wambui Road, Nairobi |
| 103 | NRS Sacco Society Ltd | Ondiri Building, Kikuyu Road, Kikuyu |
| 104 | NSSF Sacco Society Ltd | Social Security House, Bishops Road, Nairobi |
| 105 | Nyambene Arimi Sacco Society Ltd | Nyambene Arimi Sacco Plaza, Maua Kanuni Road, Meru Town |
| 106 | Nyati Sacco Society Ltd | Nyati Sacco Plaza, Nairobi West, Nairobi |
| 107 | Ollin Sacco Society Ltd | Ollin Sacco Building, Off Karatina – Kutus Road, Kerugoya |
| 108 | Orient Sacco Society Ltd | Wakibe Building, Thika Section 9 OAU Road, Thika Town |
| 109 | Patnas Sacco Society Ltd. | Litein Town, Patnas Plaza, Kericho Sotik Road |
| 110 | Ports DT Sacco Society Ltd | Mombasa Port Sacco Plaza, Mwakilingo Road |
| 111 | Prime – Time Sacco Society Ltd | Mwalimu Plaza Building, Eldoret – Kabarnet Road, Iten |
| 112 | Puan Sacco Society Ltd | Farmers Building, Narok – Nakuru Road, Narok Town |
| 113 | Qona Sacco Society Ltd | Safaricom Care Centre, Waiyaki Way, Westlands, Nairobi |
| 114 | Qwetu Sacco Society Ltd | Qwetu Sacco Plaza, Voi Town |
| 115 | Setyon DT Sacco Society Ltd | Brooke Centre. Kericho |
| 116 | Sheria Sacco Society Ltd | Matumbato Close, Nairobi |
| 117 | Shirika DT Sacco Society Ltd | Shirika Coop House, Ngara Kipande Road, Ngara, Nairobi |
| 118 | Shoppers Sacco Society Ltd | Nature House – Tom Mboya Street |
| 119 | Simba Chai Sacco Society Ltd | Kericho Nakuru Highway, Kericho |
| 120 | Siraji Sacco Society Ltd | Siraji Sacco Plaza, Nanyuki – Meru Highway, Timau Town |
| 121 | Skyline DT Sacco Society Ltd | Skyrise Plaza, Eldama Ravine – Eldoret Road, Eldama Ravine |
| 122 | Smart Champions Sacco Society | Muranene Building, Githongo Trading Centre, Meru |
| 123 | Smartlife Sacco Society Ltd | Marakwet Teachers Plaza, Kapsowar |
| 124 | Solution Sacco Society Ltd | Meru Mwalimu Plaza, Gakoromone Road, Meru |
| 125 | Sotico Sacco Society Ltd | Amotek Estate, Sotik Town |
| 126 | Southern Star Sacco Society Ltd | Mt Building, Chuka Town |
| 127 | Stake Kenya Sacco Society Ltd | Stake Kenya Sacco Plaza, Migori – Kehancha – Ntimaru Road, Kehancha Town |
| 128 | Stawisha Sacco Society Ltd | Mwalimu Plaza, Kapsokwony – Kaptama Road, Kapsok- wony |
| 129 | Stima DT Sacco Society Ltd | Stima Sacco Plaza, Mushembi Road, Parklands, Nairobi |
| 130 | Strategic DT Sacco Society Ltd. | Lunga Lunga Square, Industrial Area, Nairobi County. |
| 131 | Suluhu Sacco Society Ltd | Suluhu Sacco Plaza, Kyuso Road, Mwingi |
| 132 | Supa Sacco Society Ltd | Supa Plaza, Posta Road, Maralal |
| 133 | Tabasamu Sacco Society Ltd | Tunawiri House, Kinango Road, Kwale |
| 134 | Tabasuri DT Sacco Society Ltd | Texas Plaza, Off Fidel Odinga Road, Mombasa |
| 135 | Tai Sacco Society Ltd | Tai Plaza, Githunguri Town, Kiambu |
| 136 | Taifa Sacco Society Ltd | NCU Building, Gakere Road, Nyeri Town |
| 137 | Taqwa Sacco Society Ltd | Jamia Plaza, Kigali Street, Nairobi |
| 138 | Taraji Sacco Society Ltd | Mwalimu Plaza, Oginga Odinga Street, Siaya |
| 139 | Telepost Sacco Society Ltd | City Square Post Office, Haile Selassie Avenue, Nairobi |
| 140 | Tembo Sacco Society Ltd | Tembo Sacco Complex, Garden Estate Road, Mukima Drive, Nairobi |
| 141 | Tenhos Sacco Society Ltd | Tenhos Building, Tenwek, Bomet |
| 142 | Thamani Sacco Society Ltd | Thamani House, Chuka Town |
| 143 | The Apple Sacco Society Ltd | Tasccos House, Kapsabet – Chavakali Road, Kapsabet |
| 144 | The Kenya Bankers Sacco Society Ltd. | The Kenya Bankers Sacco Centre, 3rd Ngong Ave., Nairobi |
| 145 | The Noble Sacco Society Ltd | The Noble Sacco Building, Ronald Ngala Road, Eldoret Town |
| 146 | Times U Sacco Society Ltd | Nkubu, KCB Road, Nkubu |
| 147 | Topkrim DT Sacco Society Ltd | Kisumu - Kisii Road, Oyugis Town, Homabay |
| 148 | Tower Sacco Society Ltd | Tower Sacco Fosa Building, Ol’kalou Township |
| 149 | Trans – Counties Sacco Society Ltd | Kapsara, Trans – Counties Sacco Office, Kapsara |
| 150 | Trans – National Times Sacco Society Ltd | Kitale Teachers Plaza, KANU Street, Kitale |
| 151 | Trans Elite County Sacco Society Ltd | Former Barclays Bank Building, Kapsabet – Chavakali Road, Kapsabet Town |
| 152 | Trans Nation Sacco Society Ltd | Mwalimu Centre, DC Road, Chuka Town |
| 153 | Ufanisi DT Sacco Society Ltd | Development House, Moi Avenue, Nairobi |
| 154 | Ukristo Na Ufanisi DT Sacco Society Ltd | ACK Emmanuel Church Riruta, Nairobi |
| 155 | Unaitas Sacco Society Ltd | Cardinal Otunga Plaza, Nairobi |
| 156 | Uni – County Sacco Society Ltd | Nakuru Municipality Block, 9/37, Generation House, Ki- jabe Row, Nakuru |
| 157 | Unison Sacco Society Ltd | Unison Plaza, Nyeri – Nanyuki Road, Nanyuki Municipality |
| 158 | United Nations DT Sacco Society Ltd | United Nations Complex, United Nations Avenue, Nairobi |
| 159 | United Winners Sacco Society | UWS Plaza, 1st Floor, Spine Road, Nairobi |
| 160 | Universal Traders Sacco Society Ltd | Traders House, Syokimau Road, Machakos |
| 161 | Univision Sacco Society Ltd | Teachers Plaza, Kitui Town |
| 162 | Ushuru Sacco Society Ltd | Ushuru Sacco Centre, Wood Avenue, Kilimani |
| 163 | Vihiga County Farmers Sacco Society Ltd | Mudete Town, Vihiga County |
| 164 | Viktas Sacco Society Ltd | Glanin Centre, Nyahururu – Nyeri Road, Mairo Inya, Nyan- darua |
| 165 | Vision Afrika Sacco Society Ltd | Rajdeep House – Kenyatta Avenue, Nakuru |
| 166 | Vision Point Sacco Society Ltd | Borabu Farmers Union Building, Keroka – Sotik Highway, Borabu |
| 167 | Wakenya Pamoja Sacco Society Ltd. | Kahawa House, Kisii – Keroka Road, Kisii |
| 168 | Wakulima Commercial Sacco Soci- ety Ltd | MWD Limited Complex, Mukurweini – Nyeri Road, Mukurweini Town |
| 169 | Wanaanga Sacco Society Ltd | Kenya Meteorological Department, Ngong Road, Dagoretti |
| 170 | Wananchi Sacco Society Ltd | Wananchi Building, Othaya |
| 171 | Wanandege Sacco Society Ltd | Wanandege Plaza, Old North Airport Road, Nairobi |
| 172 | Washa Sacco Society Ltd | Ralli House, Nyerere Avenue, Mombasa |
| 173 | Waumini Sacco Society Ltd | Applewood Adams 2nd Floor, Ngong Road, Nairobi |
| 174 | Wevarsity Sacco Society Ltd. | Wevarsity Plaza, Kakamega – Webuye Road, Kakamega |
| 175 | Winas Sacco Society Ltd | Winas House, Embu Township |
| 176 | Yetu Sacco Society Ltd | Yetu Sacco Building, Nkubu Town, Meru |
