List Of Afya Sacco Branches In Kenya And Contacts

In this article, we will have a look at Afya Sacco branches in Kenya and their contacts. It is a deposit-taking Sacco that has been operational since 1971. With an asset base of more than 20.94 billion, Afya Sacco is the 5th largest SACCO in Kenya.

Afya Sacco’s membership is mainly drawn from the health sector. The Sacco boasts a massive membership of over 38,000 members across the country.

Afya Sacco Products

a) Savings & Loan Products

1. Group Savings Account

This is an account opened by members of a group.


a) Copy of National Identity Card or passport

b) Two passport-size coloured photographs

c) Registration Certificate and constitution

d) Minutes of the meeting held by the group approving the opening of the account

e) Account opening balance of 3000/=

f) Payment of Kshs. 2000/= membership fee.

g) Interest paid on the savings account.

h) Fixed Deposit account with negotiable interest depending on amount and period.

2. Personal Savings Account


a) Copy of National Identity card or passport

b) Two passport size coloured photographs

c) Account opening Balance of 1000/

d) Membership fee of Kshs.1000

e) Fixed Deposit account interest negotiable depending on amount period and market trends.

f) Interest paid on savings account based on the amount saved.

3. Amsha Savings Account

It targets medical practitioners and firms.


a) Opening balance KSh 5,000.

b) No minimum balance.

c) ATM visa-enabled card.

d) Monthly statements available.

e) Free internal transfers.

f) 0.5% cash handling for balances above KSh. 500,000/=.

4 . Ukulima/Biashara – Savings Account

This is an agricultural savings and loan facility designed to finance business, farming needs and activities e.g. crop production, livestock farming, poultry, fish, Horticulture farming and any other activity.

5 . Sharia Compliant account

a) This is a non-interest-bearing account.

b) Fees or commission shall be charged on each transaction

6 . School Fees/Education Account


a) Bankers’ cheque drawn in the name of the institution/School on the loan amount approved.

b) Three withdrawals per year

c) Kshs 500 commission charge for more than three withdrawals in a year

d) Interest paid on savings account based on the amount saved.

e) Loans given to both individual members and group members.

f) The minimum opening and the operating balance shall be Kshs 1000/=


1. Amsha-Huduma Loan

This product is designed for health institutions and individuals setting up their health practice, educational training institute, Dental College, Medical Equipment Dealer, and Pharmacies

Product Offering:

Loans offered under this category are:

Asset / Medical Equipment Finance: For the purchase of medical equipment including CT Scanners, Colour Dopplers, Sonography Machines, MRI Machines, X-Ray Machines and other medical equipment.

Motor vehicle: For Acquisition of Doctors’ personal cars, ambulances, stock cars, and business cars.

Infrastructure Loan: For the construction of premises to set up Clinics, Diagnostic Centres or Hospitals.

Working Capital Finance: We provide working capital facilities by way of Cash Credits and short/long-term loans to fund day-to-day operations.

Product Features  Requirements:

a) Open Amsha – Afya Savings Account.

b) Payable weekly at an interest of 0.5% or 2.0% monthly

c) Customer to meet 20% of the equipment/asset cost

d) Equipment, member’s deposit, households and other business assets to act as loan security

e) Have a minimum of 2 years of running a healthcare business

f) Possess a valid Certificate of practice/ operation

g) Have a good credit history

2. Business Loans

This product targets small and micro businesses. It is advanced to individuals with personal security like vehicle log books or individuals in groups who guarantee each other and have had compulsory savings or other securities.


a) Loans from Ksh 100,000 to 5,000,000/=

b) Easy, flexible security requirements

c) Clients must demonstrate an ability to pay

d) Loan processing within one week

3. Elimu Loan

This product assists employees who want to further their education and in consultation with their employers and education institutions, employees will be advanced loans

Product Features:

a) Loan will be paid directly through their college fees accounts

b) Repayments will be done through salary check-off.

4. Group Business Loan

Given to members of a group.

Features and requirements of Group loans:

a) Group must be registered

b) Membership of between 5 to 25 members

c) Loans from as low as 5,000/= to 5,000,000/=

d) Savings as low as 500/=

e) Monthly repayments

f) The initial loan shall be at 2 times the amount of an individual’s savings.

g) Loans below 50, 000/= processed within 48 hours

h) Flexible repayment period

i) Loans Appraisal fees of 2.5% shall be charged

j) Risk Management fee of 2.5% shall be charged.

k) Loans to be guaranteed by all the group members.

l) All legal Fees/Costs shall be borne by the applicant.

5 . Asset financing loan – Equipment /Asset Loan


a) The initial loan is at a Minimum amount of Kshs 100,000/=

b) Flexible repayment period.

c) Flexible security on loan.

d) Initial loan will be granted after regular savings of 4 months

e) Loan appraisal fee of 2.5% shall be charged

f) Risk Management fee of 2.5% shall be charged

g) Microcredit shall finance 80% of the property value.

h) All legal fees, valuation fees and other transaction charges shall be borne by the applicant

6 . Household loan

a) The initial loan shall be 2 times the amount of an individual’s savings.

b) These loans are accessible to employed persons who are our members.

c) These are loans to purchase household items such as water tanks, furniture etc.

d) The initial Loan amount shall be negotiated in relation to savings held.

e) Repayment period shall be 12-24 months.

f) Security shall be the client’s savings, guarantors and household items.

g) Minimum savings period shall be 2 months for both group members and individual account holders before accessing initial loans.

h) All legal fees shall be borne by the applicant

i) Loan appraisal fee of 2.5% shall be charged

j) Risk Management fee of 2.5% shall be charged

k) All legal fees, valuation fees and other transaction charges shall be borne by the applicant.


Front Office Service Activity (FOSA)  is a facility that offers services similar to those offered by commercial banks.

  • Savings Account
  • Bankers’ Cheques
  • Standing Orders
  • Third-Party Clearance of Cheques.
  • Short Term Advance.
  • Encashment of Loan Cheques.
  • Salary Processing.
  • Fixed Deposit Accounts.
  • Safe Custody of Assets/Valuables.
  • Electronic Funds Transfer (EFT).
  • Funds for Loan Clearance by Cash.
  • School Fees Savings Account.
  • Spouse and Children Account.
  • University/KMTC Student Account.
  • V.I.P Counter services for Accounts with minimum deposits of Kshs. 500,000
  • Commercial Loans.
  • Sacco Link VISA ATMs
  • M-Sacco – This product enables Afya Sacco Society to provide mobile financial services to its members. T20. Safety of Members deposits.
  • FOSA Commercial / Personal Loan Product.

List Of Afya Sacco Branches In Kenya And Contacts

1. Afya Sacco Head Office

Location: Afya Centre 5th Floor, Tom Mboya Street, Nairobi City Centre

Contacts: +254 20 2223959,  +254 2223970


2. Nairobi –KNH Branch

Location: Kenyatta National Hospital

Phone: 2738461 /2732867


3. Nakuru Level 6 Hospital Branch

Phone: 051-2216902/2217013


4. Moi Teaching And Referral Hospital Eldoret Branch

Phone: 053-2031221/2032816


5. Kisii County Referral Hospital Branch

Tel: 058-31781/2

6. Kakamega County General Teaching & Referral Hospital Branch

Phone: 056-30853/4


7. Kisumu County Referral Hospital Branch

Tel: 0572020712/2024760


8. Coast General Teaching & Referral Hospital Branch

Phone: 041-2312241/222574


9. Meru Teaching and Referral Hospital Branch

Phone: 064-32407

10. Nyeri County Referral Hospital

Phone:  061-2032477


Worth Checking Out : 

Afya Sacco Membership Eligibility & Requirements

Victor Matara

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