List Of Dimkes Sacco Branches And Contacts

Here is a list of Dimkes Sacco branches and their contacts. The Diocese of Mount Kenya South (Dimkes) Sacco is a deposit-taking Sacco that has been in operation since 1999. With an asset base of more than 2.11 billion, Dimkes is one of the largest SACCOs in Kenya.

List Of Dimkes Sacco Products

a) Loan Products

1. Asset Finance 

This product is granted to customers to purchase capital assets i.e motor vehicles, construction equipment, industrial plant & machinery, agricultural equipment and land.


  • The Sacco will finance the cost of the asset from between 50% to 80% of the total cost with the client funding the balance.
  • Finance periods range from 12 to 48 months with the duration being fixed at the beginning of the facility.
  • Interest rates are charged on a reducing balance at between 1.33 – 1.5% pm reducing balance.
  • Assets will be jointly registered in the names of the client and Dimkes SACCO until the loan is fully repaid.

2. School Fees loan

The Sacco finances school fees payments on application for a period of 12 months at 12% p.a

3. Mkulima Loan


  1. The member is required to be an active member for a period of not less than six months.
  2. For the expansion of farming e.g. buying more cows (a site visit by the credit officer is necessary.)
  3. One can only borrow up to three times their normal shares.


  • Attractive interest rates.
  • A variety of securities can be considered e.g. guarantors, log books, farm machinery and title deeds.
  • The loan can also be secured by the orders given to the farmers from reputable institutions.
  • Up to 36 months repayment period.

4. Salary Advance


  • The salary account must have been credited for not less than three months
  • The client should not commit more than 2/3 of the salary and or allowances.
  • Interest is 5% p.m. reducing balance
  • All other loans must be performing
  • The maximum repayment period is 3 months

5. Loan Purchase Product


  • The member is required to be an active member for a period of not less than six months.
  • The loan being purchased should be a performing loan, proof of which should be given to the credit officer for evaluation.
  • Members are required to give security for the loan.
  • A 5% charge on the outstanding loan amount to be purchased will be charged as a processing fee.


  • Ability to trade expensive loans for cheaper loans.
  • No hidden charges as our credit officers will discuss all applicable fees.
  • Up to 60 months repayment period on loans.

6. LPO

This product enables customers to acquire local purchase orders with ease.


  • Verifiable LPOs and tenders from trusted clients/firms only.
  • Can only finance short term (1-6) months depending on the term of the product pegged to the LPO delivery timelines.
  • LPO issue must execute a supplier credit MOU with the SACCO.
  • Most recent audited account where applicable.
  • List of past contracts completed dates, amounts etc.
  • Amount: We will finance up to a maximum of 75% of the L.P.O
  • Interest rate: 2.5% p.m. on reducing balance.
  • The loan will attract a 2.5% processing fee plus an excise duty and loan insurance cost.
  • Securities must be provided for amounts above Kshs. 200,000

7. Medical Loan

This is an emergency loan based on members’ normal shares and thus a member can qualify for up to 3 times their shares.

  • Supporting documents must be attached.
  • Benefits
  • An interest rate of 12% P.A
  • Quick loan processing
  • Loan repayable for up to 24 months
  • Security is guarantors

8. Biashara Loan

This product is designed to enable members to start/expand businesses with ease.


-The member must be operating a current account. If not, they must be having normal shares, a minimum of a third of the loan amount applied.

-For the operating current accounts, their monthly deposits average will determine how much they can be able to repay the loan, hence the amount they qualify for.

-Business assessment report by a credit officer.

-The loan must be secured by either: guarantors, Chattels mortgage on business assets or any other collateral for example log book, a title deed, or salary.

9. Chama Loan

Chama loans are designed to enable registered self-help groups, welfare and investment groups to acquire loans for the wealth creation of its members.

Features & Requirements

  • The group must be registered with the relevant authority
  • Membership of the Group shall be at least 10 members
  • The group shall provide minutes authorizing the application of a loan facility which shall be stamped and certified by the Oversight Ministry.
  • At least 2/3 of group members must sign the minutes
  • Loans are to be guaranteed using duly executed and registered personal indemnity guarantee by all members.
  • The group must have saved consistently for a minimum of six months.
  • The monthly Loan repayment amount for the loan applied should not exceed 90% of the monthly total savings for the last six months.
  • The maximum loan accessible under this product is Ksh 1 Million.
  • Tangible security to be provided for loans above one million up to a maximum of Ksh.20 Million for 72 Months.
  • Interest rates as low as 1.25% p.m. reducing balance
  • Loans repayment period up to 36 months
  • The loan will attract a 2% processing fee and loan insurance of 0.6% p.a
  • All legal Fees/Costs shall be borne by the applicant.
  • A dedicated Chama Officer to offer free training and financial advisory
  • Group personalized cheque book available to ease group account operations
  • Free monthly E-Statement

10. M- Chipuka Loan

An instant mobile loan through the Sacco’s M-Chipuka app. You can get up to Ksh 30,000 instantly.

B) Saving Products

1. Current deposit account

  • Members can deposit and withdraw on demand.
  • Overdraft services are available.

2. Smart Savers Account

  • A savings product that earns competitive interest.
  • Withdrawals are limited to once per three months(quarterly).
  • Has no account maintenance fees.

3. Fixed Deposit Account

  • A minimum amount of Ksh 50,000.
  • Period -One Month, Three months, Six months, and one year
  • Negotiable interest rate.

4. Call Deposit Account

Similar to fixed deposits but the account holder can Withdraw on notice (minimum 7 days notice)

5. Cheque Book

6. Junior Star Account

An account meant for children below the age of 18 years.

  • Account opening fee of Ksh 500.
  • Competitive interest rates payable to accounts holding a  minimum balance of Ksh 5000.
  • Free bank statement every 3 months upon request.
  • Free standing orders from parents/guardians A/C.
  • Free banker’s cheque for school fees payment.
  • Cannot access loans until the account holder is 18 years and above.  

List Of Dimkes Sacco Branches And Contacts

1. Dimkes Sacco Head Office

Location: Bishop Magua House 2nd Flr Kiambu (next to ACK St. James Cathedral)

Phone: 0111 033100 / 0719 212 730


2. Ngong Branch

Contact: 0111 033 160

3. Kikuyu Branch

Contact: 0111 033 171

4. Kiserian Branch

Contact: 0111 033 191

5. Nairobi Branch

Contact: 0111 033 161

6. Kangemi Branch

Contact: 0111 033 140

7. Limuru Branch

Contact: 0111 033 152

8. Wangige Bishop Kariuki Centre

Contact: 0111 033 165

9. Wangige Town Branch

Contact: 0111 033 145

10. Banana Branch

Contact: 0111 033 170

11. Githunguri Branch

Contact: 0111 033 180

12. Ruaka Branch

Contact: 0111 033 190

13. Kimende Branch

Contact: 0798 363 750

Victor Matara

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