Licensed Non-Withdrawable Deposit Taking Saccos In Kenya

This is a list of non-withdrawable deposit-taking Saccos in Kenya as of 2024. 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.

The main difference between deposit-taking SACCOs and non-deposit-taking SACCOs is the fact that Deposit-taking Saccos offer withdrawable savings account services through front office savings activities (FOSA) while Non-deposit-taking SACCOs don’t allow members to withdraw deposits. You can only withdraw money from a non-deposit-taking Sacco when leaving the Sacco. The non-deposit-taking Saccos don’t offer FOSA services because members do not hold accounts where they can deposit or withdraw money.

As of 2024, there are 181 non-withdrawable deposit-taking Saccos in Kenya regulated by SASRA.

List Of Licensed Non- Withdrawable Deposit Taking Saccos In Kenya 2024

Sacco Name Head Office 
1 3N Regulated Non-WDT-Sacco Sera Center, Naivasha
2 ABC Empowerment Regulated Non-WDT-Sacco ABC Imani Plaza II, Machakos
3 Accel Regulated Non-WDT-Sacco Ola Energy Plaza, Muthaiga, Nairobi
4 ACK Kihara Regulated Non-WDT-Sacco Kiambaa/Kihara/ 7/178, Gachie
5 ACK Thika Talents Regulated Non-WDT-Sacco ACK St. Andrews Cathedral, Thika
6 Adventist Regulated Non-WDT-Sacco SDA Central Kenya Conference, Red Hill Road, Nairobi
7 AIBK Regulated Non-WDT-Sacco Development House, Moi Avenue
8 Airlink Regulated Non-WDT-Sacco Jomo Kenyatta International Airport (JKIA), Nairobi
9 Alarms Regulated Non-WDT-Sacco Behind Housing Finance, Moi Avenue, Mvita
10 AMREF Regulated Non-WDT-Sacco AMREF Building, Nairobi
11 Appollosure Regulated Non-WDT-Sacco Apollo Centre, Ring Rd Parklands
12 B – Smart Regulated Non-WDT-Sacco RNG Plaza, Nairobi CBD
13 Ballot Regulated Non-WDT-Sacco Anniversary Towers 21stFloor, Nairobi
14 Balozi Regulated Non-WDT-Sacco Golf View Suites Muthaiga Off Wambui Road, Nairobi
15 Bamburi Regulated Non-WDT-Sacco Bamburi Cement Plc Staff Quarters, Mombasa
16 Bands Regulated Non-WDT-Sacco Britam Centre, Upper Hill
17 Banki Kuu Regulated Non-WDT-Sacco Central Bank Of Kenya Headquarters, Nairobi CBD
18 Barabara Regulated Non-WDT-Sacco Barabara Plaza, Mombasa Road, Nairobi
19 Baraka Yetu Regulated Non-WDT-Sacco Nacico Plaza, Ladhies Road, Nairobi
20 BAT Regulated Non-WDT-Sacco BAT Premises, Industrial Area
21 Besco Regulated Non-WDT-Sacco Bidco Factory Premises, Thika
22 Bestrock Regulated Non-WDT-Sacco Winlo Complex Building, Kitui Town
23 Biblia Regulated Non-WDT-Sacco Kamirembe Place, Ring Road Kilimani, Nairobi
24 Blue Eagle Regulated Non-WDT-Sacco Bishop Gate, Upper Hill
25 Braemeg Regulated Non-WDT-Sacco Polla House, Gitanga Road,Kawangware
26 Brookside Regulated Non-WDT-Sacco Brookside Dairy LTD, Thika Road, Ruiru
27 Bunge Regulated Non-WDT-Sacco Imani House, Parliament Road, Nairobi
28 Bunista Regulated Non-WDT-Sacco Jaramogi Oginga Odinga University Of Science And Technology, Bondo Town
29 CDF Regulated Non-WDT-Sacco La Coline Gardens, Masaba Road, Upper Hill
30 Christian Enterpreneurs Regulated Non-WDT- Sacco Mapa House, Ruiru
31 CIC Regulated Non-WDT-Sacco CIC Plaza 1, 2nd Floor Upper Hill
32 COCOTECH Regulated Non-WDT-Sacco Fameco Building, Magadi Road, Langata
33 Communication Regulated Non-WDT-Sacco Communication Authority Centre, Westlands
34 Concorde Regulated Non-WDT-Sacco Centenary House, Westlands
35 Co-operative Bank Regulated Non-WDT-Sacco Co-Op Bank House, Nairobi CBD
36 Cotts Regulated Non-WDT-Sacco Mitchell Cotts Freight Kenya Building, Shimanzi
37 Davis & Shirtliff Regulated Non-WDT-Sacco Davis & Shirtliff Building, Dundori Road, Industrial Area
38 Devco Regulated Non-WDT-Sacco KMA Building 7th Floor, Mara Road Upper Hill
39 Dhamini Regulated Non-WDT-Sacco ACK Parking Silo, Bishop Road, Westlands
40 DHL Regulated Non-WDT-Sacco DHL House, Witu Road Off Lusaka Road, Industrial Area
41 Digital Media Regulated Non-WDT-Sacco 2nd Floor, Red Commercial Complex, Em- bakasi South
42 Dudu Regulated Non-WDT-Sacco TRO ConferenceBuilding,ICIPE,Kasarani
43 Eagle’s Eye Regulated Non-WDT-Sacco Christian Church International – Garissa Road, Thika
44 Embassava Regulated Non-WDT-Sacco Jiwabhai Vekaria Building, Taveta Road, Nairobi CBD
45 Energy Regulated Non-WDT-Sacco Kawi Complex Block A, South C
46 EPZA Regulated Non-WDT-Sacco EPZ – Athi River
47 Equity Regulated Non-WDT-Sacco Equity Centre, Upper Hill
48 Esta Regulated Non-WDT-Sacco Kakuzi Plc Athara Office Makuyu, Muranga
49 Exams Regulated Non-WDT-Sacco NewMitihani House,Popo Road, South C
50 Family Regulated Non-WDT-Sacco 10th Family Bank Towers, Nairobi CBD
51 Farmers Choice Regulated Non-WDT-Sacco Cemtek Building, Kahawa West, Area
52 Faulu Bank Regulated Non-WDT-Sacco Faulu Microfinance Bank Building, Off Ngong Road, Nairobi
53 Finnlemm Regulated Non-WDT-Sacco Finnlemm House, 55 Gatundu Road, Kile- leshwa, Nairobi
54 Fugo Regulated Non-WDT-Sacco Full Gospel Churches of Kenya, Along Manyanja Road
55 Gathers RegulatedNon-WDT-Sacco Gatundu Housing Coop House, Gatundu Town
56 Grain Bulk Regulated Non-WDT-Sacco Grain Bulk Terminal Office Building, Shimanzi, Mombasa
57 Grand Granite Diaspora Regulated Non-WDT- Sacco KMA APT, Block A, Suite 2.2, Chyulu Road, Upper Hill
58 Green Aro Community Regulated Non-WDT-Sacco SaccoHouse,Market-DispensaryRd, Siaya
59 Haco Regulated Non-WDT-Sacco Kasarani Mwiki Road,
60 Heart Regulated Non-WDT-Sacco Tana House, Karen Shopping Centre, Nairobi
61 HELB Regulated Non-WDT-Sacco Anniversary Towers, Nairobi CBD
62 Hills Regulated Non-WDT-Sacco Siret O.E.P Plaza, KCB Street,Nandi Hills
63 Hoechem Regulated Non-WDT-Sacco Highchem Complex, Mogadishu Road, In- dustrial Area, Nairobi
64 Hyperflora Regulated Non-WDT-Sacco Kangaita Farm, Nanyuki
65 ICEA Agents Regulated Non-WDT-Sacco Nairobi West, Kodi Road House No. 24, Nairobi
66 Irrigation Regulated Non-WDT-Sacco Irrigation House, Lenana Road, Kilimani Area, Nairobi
67 Jachin Regulated Non-WDT-Sacco Hadada Apartments, Kindaruma Road, Off Ngong Road
68 Java Regulated Non-WDT-Sacco ABC Place, WaiyakiWay, Westlands, Nai- robi
69 Jumuia Ya Ulaya Regulated Non-WDT-Sacco Dunhill Towers, 20th Floor, Waiyaki Way, Westlands, Nairobi
70 Kabarak University Regulated Non-WDT-Sacco Students Centre, Kabarak University
71 KAG Regulated Non-WDT-Sacco KAG East University, Buruburu, Nairobi
72 Kanisa Regulated Non-WDT-Sacco AACC Compound, WaiyakiWay, West- lands
73 KASNEB Regulated Non-WDT-Sacco KASNEB Towers, Upper Hill, Nairobi
74 KEMRI Regulated Non-WDT-Sacco Kemri Visiting Scientists Quarters, Mbagathi Road
75 Kenchic Regulated Non-WDT-Sacco Exsan House Building, Industrial Area
76 Kenred Regulated Non-WDT-Sacco KenyaRedCrossBuilding,SouthC,Nairobi
77 Kentours Regulated Non-WDT-Sacco Commodore Office Suites, Kindaruma Road, Kilimani,Nairbi
78 Kenya Medical Association Regulated Non-WDT- Sacco KMA Centre, Upper Hill, Nairobi
79 Kenya Re Regulated Non-WDT-Sacco Re-insurance Plaza, Nairobi CBD
80 Kenya Rural Roads Regulated Non-WDT-Sacco Barabara Plaza, Airport SouthRoad, JKIA
81 Kenyatta Matibabu Regulated Non-WDT-Sacco Flamingo Towers, Along Mara Road, Upper Hill
82 Ketepa Regulated Non-WDT-Sacco Ketepa Head Office, Brooke House, Kericho Town
83 Kewisco Regulated Non-WDT-Sacco West End Place, Nairobi West
84 Kiambu Chania Umoja RegulatedNon-WDT-Sacco Thika Stadium, Thika
85 Kiatu Regulated Non-WDT-Sacco Bata Shoe Premises, Limuru Town
86 Kico Regulated Non-WDT-Sacco Bruce House, Standard Street
87 KIDAPU Regulated Non-WDT-Sacco Kikinga House Annex,6th Floor, Kiambu Town
88 Kijabe Regulated Non-WDT-Sacco AIC Kijabe Hospital, Kijabe
89 Kilele Regulated Non-WDT-Sacco KUSCCO Centre, Along Kilimanjaro Avenue, Upper Hill, Nairobi
90 Kimtech Regulated Non-WDT-Sacco Dedan Kimathi University Of Technology Premises, Resource Centre, Nyeri Town
91 Kinga Regulated Non-WDT-Sacco Jumuia Place, Kilimani, Nairobi
92 Kingsize Regulated on-WDT-Sacco Nairobi Bottlers Premises, North Airport Road, Nairobi
93 Kirungii Regulated Non-WDT-Sacco Deloitte Place, Waiyaki Way, Muthangari Road, Nairobi
94 Kumbukumbu Regulated Non-WDT-Sacco Kipande Road, Museum Hill, Nairobi
95 Kutafiti Regulated Non-WDT-Sacco KWTRP Transport Office, Kilifi
96 Law Society Of Kenya Regulated Non-WDT-Sacco Crawford Business Park, Statehouse Road, Nairobi
97 Limlak Regulated Non-WDT-Sacco Ushirika Building, Limuru Town
98 Lompasago Regulated Non-WDT-Sacco Theevan Building, Jogoo Road
99 London Regulated Non-WDT-Sacco Athiriver London Distillers Premises, Athi River
100 Madison Regulated Non-WDT-Sacco Madison House, Upper Hill
101 Majanees Regulated Non-WDT-Sacco Mabroukie Tea Factory, Nazareth Road – Limuru
102 Maktaba Regulated Non-WDT-Sacco Maktaba Kuu Building, Ngong Road
103 Masterways Regulated Non-WDT-Sacco Old Mutual Building, Kimathi Street, Nairobi CBD
104 Mataara Travellers Regulated Non-WDT-Sacco Kihanya Building, Thika
105 Mhasibu Regulated Non-WDT-Sacco Absa Towers, Market Street, Nairobi
106 Mikebe Regulated Non-WDT-Sacco Nampak Building, Thika
107 Minet Regulated Non-WDT-Sacco Minet House, Along Professional Way – Off Nyerere Road, Nairobi
108 Mkombozi Regulated Non-WDT-Sacco Alpha Centre, Godown No-85, Along Mombasa Road
109 Mofaa Regulated Non-WDT-Sacco Jeda Plaza, Roysambu
110 Mount Kenya University Regulated Non-WDT-Sacco Sacco Centre, General Kago, Thika
111 MTN Regulated Non-WDT-Sacco Oluoch Building, Manyeki Road, Muranga Town
112 Multiple Regulated Non-WDT-Sacco Multiple Hauliers Building, AirportSouth Road
113 Mzima Springs Regulated Non-WDT-Sacco Student Center Building, Strathmore University
114 Nairobi Consumers Regulated Non-WDT-Sacco New Nafuu Classic Building, Popo Road, Gikomba
115 Nairobi Water Regulated Non-WDT-Sacco Garden Chambers, Moktar Dadah Street, Nairobi
116 Nendeni Regulated Non-WDT-Sacco PCEA Kitengela Township Church Building, Kitengela
117 Neno Regulated Non-WDT-Sacco Pearl Centre House, S.N. Patel Street, Embu Town
118 Network Regulated Non-WDT-Sacco Standard Group Center, Mombasa Road
119 Nimepata Regulated Non-WDT-Sacco International Leadership University, Mtito Andei Road, Westlands
120 Nyumba Generations Regulated Non-WDT-Sacco Corrugated Sheets Limited- Mikindani, Mombasa
121 Nyumba – Nairobi Regulated Non-WDT-Sacco Applewood Adams, Ngong Road, Nairobi
122 Olkaunsel Regulated Non-WDT-Sacco Kajiado County Assembly Building, Kajiado Town
123 Panda Regulated Non-WDT-Sacco Flower Business Park, Along Nairobi- Nakuru Highway, Naivasha
124 Parents Plan Regulated Non-WDT-Sacco Methodist Ministries Centre,Block C, Lavington, Nairobi
125 Parliamentarians Regulated Non-WDT-Sacco Protection House Building, Nairobi
126 PCEA Kayole Regulated Non-WDT-Sacco PCEA Kayole Church, Spine Road, Nairobi
127 PCEA Makupa Parish Regulated Non-WDT-Sacco PCEA Makupa Church, Off Tom Mboya Street, Mombasa
128 PCEA Regulated Non-WDT-Sacco PCEA Jitegemea House, Along Muhoho Avenue, South C, Nairobi
129 PCEA Ruiru Regulated Non-WDT-Sacco PCEA Ruiru Town Plaza Building, Ruiru Town
130 PEFA Nairobi Central Regulated Non-WDT-Sacco Solar House 3rd Floor, Harambee Avenue, Nairobi
131 PESA Regulated Non-WDT-Sacco Mountain Mall, Along Thika Raod Nairobi
132 PICEA Staff Regulated Non-WDT-Sacco UAP – Old Mutual Tower, Upper Hill
133 Polytech Regulated Non-WDT-Sacco Technical University Of Kenya, Haile Selassie Avenue, Nairobi
134 Postbank Regulated Non-WDT-Sacco Postbank House, Banda Street, Nairobi
135 Queensway Regulated Non-WDT-Sacco Ojijo Plaza, Off Ojijo, Nairobi
136 Radio Guard Regulated Non-WDT-Sacco NACICO Plaza, Landhies Road, Nairobi
137 Rambhai Regulated Non-WDT-Sacco Theevan House, Jogoo Road, City Stadium, Nairobi
138 Ramco Group Regulated Non-WDT-Sacco KCB Building, Enterprise Road, Industrial Area
139 Reli Regulated Non-WDT-Sacco Reli Sacco, Workshop Road, Nairobi
140 Relief Regulated Non-WDT-Sacco International Committee Of The Red Cross Offices, Nairobi
141 Rembo Shuttle Regulated Non-WDT-Sacco Red Heron Centre, Nairobi-Namanga Road, Kitengela
142 Royal Media Regulated Non-WDT-Sacco Communication Centre, Maalim Juma Road, Nairobi
143 Rubani Regulated Non-WDT-Sacco Rubani House, Nairobi
144 Sauti Regulated Non-WDT-Sacco Sauti Office, Kapiti Road, Nairobi
145 Sawa Regulated Non-WDT-Sacco WestPark Suites, Ojijo Road, Westlands
146 Shamiri Regulated Non-WDT-Sacco MTRH, Memorial Wing, Eldoret
147 Shelloyees Regulated Non-WDT-Sacco Vienna Court, State House Crescent Road, Nairobi
148 Sisi Kwa Sisi Regulated Non-WDT-Sacco Pandya Memorial Hospital, Mombasa
149 Smart Savers Regulated Non-WDT-Sacco Isuzu East Africa Premises, Nairobi
150 Stoke – UK Diaspora Regulated Non-WDT-Sacco Sinkeed Arcade, Kitengela
151 Taa Regulated Non-WDT-Sacco Finance House, Nairobi CBD
152 CFAO Regulated Non-WDT-Sacco Yamaha Building, CFAO Motors Limited Premises, Nairobi
153 Tetra Pak Regulated Non-WDT-Sacco SMK Building, Industrial Area, Enterprise Road, Nairobi
154 The Standard Regulated Non-WDT-Sacco The Standard Group Centre, Nairobi
155 Torch Regulated Non-WDT-Sacco Kenya Petroleum Refineries Premises, Changamwe
156 Total Regulated Non-WDT-Sacco Regal Plaza, 2nd Floor West Wing, Nairobi
157 Tramom Regulated Non-WDT-Sacco Dynamic Building, Old Mombasa Road, Changamwe
158 Transglob Regulated Non-WDT-Sacco Acceler Towers, Nairobi
159 Transwest Regulated Non-WDT-Sacco Ebby Towers, Kitale
160 Uaminifu Regulated Non-WDT-Sacco KWFT Centre, Kiambere Road, Upper Hill
161 Ubora Regulated Non-WDT-Sacco KEBS Headquarters, Popo Road, Nairobi
162 Ukaguzi Regulated Non-WDT-Sacco Anniversary Towers, Nairobi
163 Ukombozi Regulated Non-WDT-Sacco Deliverance Church, Kariba Street, Nakuru
164 United Winners Regulated Non-WDT-Sacco Imani Towers, Umoja Estate, Nairobi
165 Unbound Regulated Non-WDT-Sacco Mountain view, House 97, Kangemi Area, Nairobi
166 Unga Regulated Non-WDT-Sacco Ngano House, Industrial Area
167 Unifying Regulated Non-WDT-Sacco Mustard Seed Mall, Along Waiyaki Way, Uthiru
168 United Women Regulated Non-WDT-Sacco Green House Mall, Adams Arcade, Nairobi
169 Uokoaji Regulated Non-WDT-Sacco Commodore Office Suites, Suite 4c, Nairobi
170 USIU-Africa Regulated Non-WDT-Sacco USIU, Maintenance Yard, Nairobi
171 Utabibu Regulated Non-WDT-Sacco Doctors’ Park, 4th Floor, Parklands Avenue Nairobi
172 Utafiti Regulated Non-WDT-Sacco ILRI Campus, Nairobi
173 Uwezo Regulated Non-WDT-Sacco Crown Paints, Likoni Road, Nairobi
174 Vegpro Regulated Non-WDT-Sacco Jomo Kenyatta International Airport- Cargo Village, Nairobi
175 Verona Huruma Regulated Non-WDT-Sacco Holy Trinity Catholic Church, Kariobangi Area, Nairobi
176 Vision Regulated Non-WDT-Sacco World Vision Complex, Karen Road, Nairobi
177 Wasado Regulated Non-WDT-Sacco KCB Building Industrial Area, 3rd Floor, Nairobi
178 Waskom Regulated Non-WDT-Sacco Blue House, Kangundo Road, Nairobi
179 Zoghori Regulated Non-WDT-Sacco Tilu Bilu Building, Digo Road, Mombasa
180 Kenya – USA Diaspora Regulated Non-WDT-Sacco Crescent Business Centre, Parklands Area
181 Forward Travellers Regulated Non-WDT-Sacco Kayole Area, Nairobi

Sacco Societies Regulatory Authority (SASRA) Contacts

Location: 19th Floor,  UAP Old Mutual Tower, Upper Hill Road

Phone: 020 2935100

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