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