Largest Non-Withdrawable Deposit-Taking Saccos In Kenya

This is a list of the largest non-withdrawable deposit-taking SACCOs in Kenya ranked by total asset base. The licensing of SACCOs in Kenya is done by the Sacco Societies Regulatory Authority (SASRA). SASRA started regulating non-deposit-taking Saccos on 1st January 2021 following the publication of the SACCO Societies (Non-Deposit Taking Business) Regulations, 2020.

Non-deposit-taking SACCOs, as the name suggests, do not offer withdrawable savings account services through front office savings activities (FOSA) as deposit-taking SACCOs do. These SACCOs mobilise savings from their members and use them as collateral for credit facilities advanced to their members. These deposits are not withdrawable by the members but can only be refunded when the members exit the SACCO.

As of 2023, there are 183 licensed non-withdrawable deposit-taking Saccos in Kenya. Below are the largest non-withdrawable deposit-taking SACCOs in Kenya per the SASRA’s 2022 Sacco Supervision Annual Report.

List Of Largest Non- Withdrawable Deposit-Taking Saccos In Kenya

  Sacco Total Assets ( Millions)
1 Mhasibu 8,607.61
2 Njiwa 7,013.47
3 Kenya Medical Association  5,713.73
4 United Women 5,099.79
5 Balozi 5,051.09
6 Cooperative Bank 4,651.86
7 Law Society Of Kenya 3,309.72
8 AMREF 2,878.79
9 Parliamentarians 2,767.71
10 Ukaguzi 2,702.88
11 Verona Huruma 2,615.81
12 Banki Kuu 2,584.73
13 Equity 2,235.30
14 Umoja Wendani 2,050.43
15 Finnlemm 2,033.07
16 Bunge 1,760.50
17 Kewisco 1,724.39
18 Kenyatta Matibabu 1,655.94
19 Utabibu 1,396.05
20 Bat 1,391.17
21 Jogoo 1,345.18
22 Biblia 1,337.83
23 Forward 1,219.79
24 Vision 1,170.00
25 Nairobi Water 1,153.97
26 Kentours 1,076.62
27 Ubora 1,035.25
28 PCEA 1,006.22
29 KAG 1,002.25
30 Sauti 977.07
31 Utafiti 890.48
32 Shelloyees 888.56
33 Kirungii 885.67
34 Uaminifu 883.35
35 Reli 862.25
36 Taa 862.04
37 PCEA Kayole 834.42
38 Unbound 776.83
39 Smart Savers 717.65
40 Postbank 717.09
41 PCEA Ruiru 677.25
42 Family 675.99
43 Shamiri 656.56
44 Kingsize 634.57
45 Lompasago 629.12
46 Communication 625.99
47 Total Energies 607.85
48 Ukombozi 589.12
49 Brookside 548.11
50 KEMRI 545.64
51 Braemeg 538.62
52 Dhamini 537.51
53 Bamburi Wananchi 532.52
54 Relief 516.14
55 Kanisa 514.82
56 Bands 514.52
57 Adventist 513.78
58 Masterways 507.48
59 PICEA STAFF 499.19
60 Concorde 497.83
61 Kiatu 466.79
62 Blue Eagle 461.70
63 Kenya USA Diaspora 454.42
64 Nyumba Generations 449.53
65 Farmers Choice 441.30
66 Nairobi Consumers 421.49
67 Neno 415.93
68 Rubani 391.11
69 Exams 388.70
70 Radio Guard 388.55
71 Waskom 387.53
72 Uokoaji 383.69
73 Sawa 379.25
74 Kenya Rural Roads 377.39
75 Kilele 374.75
76 Fugo 370.06
77 Mzima Springs 368.66
78 Tramom 360.59
79 Pefa Nairobi Central 352.80
80 Kumbu Kumbu 351.97
81 Ballot 341.31
82 Torch 332.87
83 ABC Empowerment 311.23
84 Kidapu 310.76
85 Kenya RE 298.94
86 Ramco Group 294.62
87 Grain Bulk 293.35
88 Mofaa 292.64
89 Barabara 289.67
90 Davis & Shirtliff 287.36
91 USIU-Africa 283.40
92 Baraka Yetu 274.40
93 DHL 273.42
94 ACK Thika Talents 271.48
95 ACK Kihara 265.54
96 Nyumba 264.12
97 Embassava 262.19
98 Maktaba 261.00
99 Kenchic 256.59
100 HELB 255.14
101 Christian Entrepreneurs 249.22
102 Unga 243.70
103 Limlak 243.32
104 Devco 242.75
105 Queensway 242.60
106 Irrigation 240.73
107 3N 239.61
108 Eagle’s Eye 238.84
109 Dudu 238.21
110 EPZA 234.27
111 Uwezo 232.82
112 Alarms 231.00
113 Bestrock 230.19
114 CDF 227.52
115 Gathers 224.34
116 CIC 220.74
117 Royal Media 220.71
118 Kijabe 220.09
119 KASNEB 218.38
120 Vegpro 215.00
121 Energy 214.60
122 Teal 212.85
123 Faulu Bank 211.99
124 Hyperflora 211.24
125 Bunista 210.88
126 Network 201.91
127 Nimepata 201.42
128 Hills 200.98
129 Accel 200.86
130 B-Smart 200.14
131 Zoghori 194.09
132 Ketepa 194.02
133 Kutafiti 192.11
134 Pcea Makupa Parish 191.03
135 MTN 189.61
136 MINET 185.27
137 Kinga 179.01
138 ICEA Agents 178.48
139 Apollosure 175.99
140 Besco 174.89
141 Jumuia Ya Ulaya 173.20
142 Esta 172.61
143 Jachin 170.67
144 The Standard 170.63
145 Java 168.13
146 Kiambu Chania Umoja 167.83
147 Kabarak University 166.41
148 Olkaunsel 165.96
149 Madison 164.07
150 Hoechem 163.80
151 AIBK 161.76
152 Transwest 161.43
153 Sisi Kwa Sisi 161.07
154 Heart 160.36
155 Pesa 160.25
156 Green Aro 159.95
157 Kimtech 159.59
158 Parents Plan 159.07
159 Tetrapak 156.33
160 Panda 151.07
161 Kenred 149.32
162 London 148.50
163 Mkombozi 148.38
164 Haco 147.52
165 Nendeni 146.67
166 Mataara Travellers 146.62
167 Mikebe 145.28
168 Multiple 143.90
169 Wasado 142.96
170 Airlink 140.76
171 Cotts 140.52
172 Majanees 139.38
173 Rembo Shuttle 139.28
174 Polytech 137.62
 175 Mount Kenya University 135.70
176 KICO 130.88
177 Cocotech 129.79
178 Rambhai 127.72
179 Transglob 117.37
180 Stoke UK Diaspora 111.53
181 Unifying 107.19
182 Digital Media 69.79
183 Grand Granite Diaspora 44.45

SASRA Contacts 

Address: UAP Old Mutual Tower, 18th &19th Floor, Upper Hill Rd, Nairobi

Phone: +254 (20) 2935101

Email: info@sasra.go.ke

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