This is a list of non-withdrawable deposit-taking Saccos in Kenya as of 2023. 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 2023, there are 183 non-withdrawable deposit-taking Saccos in Kenya regulated by SASRA.
List Of Licensed Non- Withdrawable Deposit Taking Saccos In Kenya
| Sacco | 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 | College Of Insurance, South C Nairobi |
| 8. | Airlink Regulated Non- WDT-Sacco | Jomo Kenyatta International Airport (JKIA), Nairobi |
| 9. | Alarms Regulated Non-WDT-Sacco | Behind Housing Finance, Mombasa |
| 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 21st Floor, Nairobi CBD |
| 14. | Balozi Regulated Non- WDT-Sacco | Golf View Suites Muthaiga Off Wambui Road, Nairobi |
| 15. | Bamburi Regulated Non-WDT-Sacco | 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 | Winco 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 | Sokoni Arcade, Kawangwar |
| 26. | Brookside Regulated Non-WDT-Sacco | Sacco Office, Ruiru |
| 27. | Bunge Regulated Non- WDT-Sacco | Protection House, Parliament Road, Nairobi CBD |
| 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 Enterpre- neurs Regulated Non- WDT-Sacco | Mapa House, Ruiru |
| 31. | CIC Regulated Non- WDT-Sacco | 2nd Floor-CIC Plaza 1, Upper Hill |
| 32. | Cocotech Regulated Non-WDT-Sacco | Fameco Building, Magadi Road, Langata |
| 33. | Communications 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 4th Floor, Mara Road Upper Hill |
| 39. | Dhamini Regulated Non-WDT-Sacco | ACK Parking Silo, Bishop Road, Community |
| 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, Embakasi South |
| 42. | Dudu Regulated Non- WDT-Sacco | Conference Building, 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 | National Housing Corporation (NHC) Building, Nairobi CBD |
| 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, Kileleshwa, Nairobi |
| 54. | Fugo Regulated Non- WDT-Sacco | Along Mumias South Road, Buruburu Phase 1, Nairobi |
| 55. | Gathers Regulated Non-WDT-Sacco | Gatundu Town |
| 56. | Grain Bulk Regulated Non-WDT-Sacco | Grain Bulk Terminal Office Building, Shimanzi, Mombasa |
| 57. | Grand Granite Regulated Non-WDT-Sacco | Oserian Building Miriams Road, Kitengela |
| 58. | Green Aro Community Regulated Non-WDT- Sacco | Sylvester Akumu Building, Ndori Market Centre |
| 59. | Haco Regulated Non- WDT-Sacco | Contour Business Centre, Mwiki Road, Kasarani |
| 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 | Nandi Hills |
| 63. | Hoechem Regulated Non-WDT-Sacco | Highchem Complex, Mogadishu Road, Industrial Area, Nairobi |
| 64. | Hyperflora Regulated Non-WDT-Sacco | Kangaita Farm, Nanyuki |
| 65. | ICEA Agents Regulat- ed Non-WDT-Sacco | Nairobi West, House No. 24, Nairobi |
| 66. | Irrigation Regulated Non-WDT-Sacco | Unyunyuzi 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, Waiyaki Way, Westlands, Nairobi |
| 69. | Jogoo Regulated Non- WDT-Sacco | Commodore Office Suites, Off Ngong/Ring Road Kindaruma Avenue, Nairobi |
| 70. | Jumuiya Ya Ulaya Regulated Non-WDT- Sacco | Dunhill Towers, 20th Floor, Waiyaki Way, Westlands, Nairobi |
| 71. | Kabarak University Regulated Non-WDT- Sacco | Students Centre, Kabarak University |
| 72. | KAG Regulated Non- WDT-Sacco | KAG East University, Burubu- ru Estate, Nairobi |
| 73. | Kanisa Regulated Non- WDT-Sacco | Desmond Tutu Comference Center, Westlands |
| 74. | KASNEB Regulated Non-WDT-Sacco | KASNEB Towers, Upper Hill, Nairobi |
| 75. | KEMRI Regulated Non- WDT-Sacco | Visiting Scientists Quarters, Mbagathi Road |
| 76. | Kenchic Regulated Non-WDT-Sacco | Exsan House Building, Industrial Area |
| 77. | Kenred Regulated Non-WDT-Sacco | Red Cross Building, South C, Nairobi |
| 78. | Kentours Regulated Non-WDT-Sacco | Commodore Office Suites, Kindaruma Road, Kilimani, Nairobi |
| 79. | Kenya Medical As- sociation Regulated Non-WDT-Sacco | KMA Centre, Upper Hill, Nairobi |
| 80. | Kenya Re Regulated Non-WDT-Sacco | Reinsurance Plaza, Nairobi CBD |
| 81. | Kenya Rural Roads Regulated Non-WDT- Sacco | Barabara Plaza, Airport South Road, JKIA |
| 82. | Kenyatta Matibabu Regulated Non-WDT- Sacco | KNH Maintenance Department, Along Hospital Road |
| 83. | Ketepa Regulated Non-WDT-Sacco | Ketepa Head Office, Brooke House, Kericho Town |
| 84. | Kewisco Regulated Non-WDT-Sacco | West End Place, Nairobi West |
| 85. | Kiambu Chania Umoja Regulated Non-WDT- Sacco | Thika Stadium, Thika |
| 86. | Kiatu Regulated Non- WDT-Sacco | Bata Shoe Premises, Limuru Town |
| 87. | Kico Regulated Non- WDT-Sacco | Bruce House, Standard Street |
| 88. | KIDAPU Regulated Non-WDT-Sacco | Mapa House 2nd Floor, Kiam- bu Town |
| 89. | Kijabe Regulated Non- WDT-Sacco | AIC Kijabe Hospital, Kijabe |
| 90. | Kilele Regulated Non- WDT-Sacco | KUSCCO Centre, Along Kilimanjaro Avenue, Upper Hill, Nairobi |
| 91. | Kimtech Regulated Non-WDT-Sacco | Dedan Kimathi University Of Technology Premises, Re- source Centre, Nyeri Town |
| 92. | Kinga Regulated Non- WDT-Sacco | Jumuia Place, Kilimani, Nairobi |
| 93. | Kingsize Regulated Non-WDT-Sacco | Nairobi Bottlers Premises, North Airport Road, Nairobi |
| 94. | Kirungii Regulated Non-WDT-Sacco | Deloitte Place, Waiyaki Way, Muthangari Road, Nairobi |
| 95. | Kumbukumbu Regu- lated Non-WDT-Sacco | Kipande Road, Museum Hill, Nairobi |
| 96. | Kutafiti Regulated Non-WDT-Sacco | KWTRP Transport Office, Kilifi |
| 97. | Law Society Of Kenya Regulated Non-WDT- Sacco | Crawford Business Park, Statehouse Road, Nairobi |
| 98. | Limlak Regulated Non-WDT-Sacco | K -Unity Building, Limuru Town |
| 99. | Lompasago Regulated Non-WDT-Sacco | Theevan Building, Jogoo Road |
| 100. | London Regulated Non-WDT-Sacco | Athiriver London Distillers Premises, Athi River |
| 101. | Madison Regulated Non-WDT-Sacco | Madison House, Upper Hill |
| 102. | Majanees Regulated Non-WDT-Sacco | Mabroukie Tea Factory, Naza- reth Road -Limuru |
| 103. | Maktaba Regulated Non-WDT-Sacco | Upper Hill Garden, 3rd Ave- nue Ngong Road |
| 104. | Masterways Regulated Non-WDT-Sacco | Old Mutual Building, Kimathi Street, Nairobi CBD |
| 105. | Mataara Travellers Regulated Non-WDT- Sacco | Kihanya Building, Thika |
| 106. | Mhasibu Regulated Non-WDT-Sacco | Absa Plaza, Loita Street, Nairobi |
| 107. | Mikebe Regulated Non-WDT-Sacco | Nampak Building, Thika |
| 108. | Minet Regulated Non- WDT-Sacco | Minet House, Along Profes- sional Way – Off Nyerere Road, Nairobi |
| 109. | Mkombozi Regulated Non-WDT-Sacco | Alpha Centre, Godown No- 85, Along Mombasa Road |
| 110. | Mofaa Regulated Non- WDT-Sacco | Jeda Plaza, Roysambu |
| 111. | Mount Kenya University Regulated Non- WDT-Sacco | Alumni Plaza, General Kago, Thika |
| 112. | MTN Regulated Non- WDT-Sacco | Oluoch Building, Biashara Street, Muranga Town |
| 113. | Multiple Regulated Non-WDT-Sacco | Multiple Hauliers Building, Airport South Road |
| 114. | Mzima Springs Regulated Non-WDT-Sacco | Student Center Building, Strathmore University |
| 115. | Nairobi Consumers Regulated Non-WDT- Sacco | Nafuu Classic Building, Gikomba |
| 116. | Nairobi Water Regulated Non-WDT-Sacco | Nairobi Water Stores, Lagos Road |
| 117. | Nendeni Regulated Non-WDT-Sacco | PCEA Township Church Building, Kitengela |
| 118. | Neno Regulated Non- WDT-Sacco | Morning Glory Plaza, Kubuku- bu, Embu Town |
| 119. | Network Regulated Non-WDT-Sacco | Standard Group Center, Mombasa Road |
| 120. | Nimepata Regulated Non-WDT-Sacco | International Leadership University, Hurligham, Nairobi |
| 121. | Njiwa Regulated Non- WDT-Sacco | Golf View Office Suites, Muthaiga, Nairobi |
| 122. | Nyumba Generations Regulated Non-WDT- Sacco | Corrugated Sheets Limited- Mikindani, Mombasa |
| 123. | Nyumba – Nairobi Regulated Non-WDT- Sacco | Applewood Adams, Ngong Road, Nairobi |
| 124. | Olkaunsel Regulated Non-WDT-Sacco | County Assembly Building, Kajiado Town |
| 125. | Panda Regulated Non- WDT-Sacco | Flower Business Park, Naivasha |
| 126. | Parents Plan Regulated Non-WDT-Sacco | Methodist Ministries Centre,- Block C, Lavington, Nairobi |
| 127. | Parliamentarians Regu- lated Non-WDT-Sacco | Parliament Building, Nairobi |
| 128. | PCEA Kayole Regulated Non-WDT-Sacco | PCEA Kayole Church, Nairobi |
| 129. | PCEA Makupa Parish Regulated Non-WDT- Sacco | PCEA Makupa Church, Mombasa |
| 130. | PCEA Regulated Non- WDT-Sacco | PCEA Head Office, Nairobi |
| 131. | PCEA Ruiru Regulated Non-WDT-Sacco | Ruiru Town |
| 132. | PEFA Nairobi Regulated Non-WDT-Sacco | Solar House 3rd Floor, Nairobi |
| 133. | PESA Regulated Non- WDT-Sacco | De La Rue Kenya, Nairobi |
| 134. | PICEA Staff Regulated Non-WDT-Sacco | UAP – Old Mutual Tower, Upper Hill |
| 135. | Polytech Regulated Non-WDT-Sacco | Technical University Of Ken- ya, Nairobi |
| 136. | Post Bank Regulated Non-WDT-Sacco | Post Bank House, Nairobi |
| 137. | Queensway Regulated Non-WDT-Sacco | Ojijo Plaza, Nairobi |
| 138. | Radio Guard Regulat- ed Non-WDT-Sacco | NACICO Plaza, Nairobi |
| 139. | Rambhai Regulated Non-WDT-Sacco | Theevan House, Nairobi |
| 140. | Ramco Group Regulated Non-WDT-Sacco | KCB Building, Enterprise Road, Industrial Area |
| 141. | Reli Regulated Non- WDT-Sacco | Kenya Railways Headquarters, Nairobi |
| 142. | Relief Regulated Non- WDT-Sacco | International Committee Of The Red Cross Offices, Nairobi |
| 143. | Rembo Shuttle Regulated Non-WDT-Sacco | Kahawa House, Nairobi |
| 144. | Royal Media Regulated Non-WDT-Sacco | Communication Centre, Nairobi |
| 145. | Rubani Regulated Non- WDT-Sacco | Rubani House, Nairobi |
| 146. | Sauti Regulated Non- WDT-Sacco | Sauti Office, Nairobi |
| 147. | Sawa Regulated Non-WDT-Sacco | Nabui House, 3rd Floor, Westlands, Nairobi |
| 148. | Shamiri Regulated Non-WDT-Sacco | MTRH, Memorial Wing, Eldoret |
| 149. | Shelloyees Regulated Non-WDT-Sacco | Vienna Court, Nairobi |
| 150. | Sisi Kwa Sisi Regulated Non-WDT-Sacco | Pandya Memorial Hospital, Mombasa |
| 151. | Smart Savers Regulated Non-WDT-Sacco | Isuzu East Africa, Nairobi |
| 152. | Stoke – UK Diaspora Regulated Non-WDT- Sacco | Tana House, Karen Shopping Centre, Nairobi |
| 153. | Taa Regulated Non-WDT-Sacco | Finance House, Nairobi CBD |
| 154. | Teal Regulated Non-WDT-Sacco | Yamaha, Nairobi |
| 155. | TetrapACK Regulated Non-WDT-Sacco | Tetrapak Building, Nairobi |
| 156. | The Standard Regulated Non-WDT-Sacco | The Standard Group Centre, Nairobi |
| 157. | Torch Regulated Non- WDT-Sacco | Kenya Petroleum Refinery Premises, Mombasa |
| 158. | Total Regulated Non- WDT-Sacco | Regal Plaza, 2nd Floor West Wing, Nairobi |
| 159. | Tramom Regulated Non-WDT-Sacco | Dynamic Building, Changam- we Area, Mombasa |
| 160. | Transglob Regulated Non-WDT-Sacco | Acceler Towers, Nairobi |
| 161. | Transwest Regulated Non-WDT-Sacco | Ebby Towers, Kitale |
| 162. | Uaminifu Regulated Non-WDT-Sacco | KWFT Centre, Nairobi |
| 163. | Ubora Regulated Non- WDT-Sacco | KEBS Headquarters, Nairobi |
| 164. | Ukaguzi Regulated Non-WDT-Sacco | Anniversary Tower, Nairobi |
| 165. | Ukombozi Regulated Non-WDT-Sacco | Deliverance Church, Nakuru |
| 166. | Umoja Wendani Regulated Non-WDT-Sacco | Imani Towers, Umoja Estate, Nairobi |
| 167. | Unbound Regulated Non-WDT-Sacco | Kangemi Area, Nairobi |
| 168. | Unga Regulated Non- WDT-Sacco | Ngano House, Industrial Area |
| 169. | Unifying Regulated Non-WDT-Sacco | Uthiru Town |
| 170. | United Women Regulated Non-WDT-Sacco | 2nd Floor Suite No. 3, Nairobi |
| 171. | Uokoaji Regulated Non-WDT-Sacco | Commodore Office Suites, Suite 4c, Nairobi |
| 172. | USIU Africa Regulated Non-WDT-Sacco | USIU, Maintenance Yard, Nairobi |
| 173. | Utabibu Regulated Non-WDT-Sacco | Doctors Park, 4th Floor, Nairobi |
| 174. | Utafiti Regulated Non- WDT-Sacco | ILRI Campus, Nairobi |
| 175. | Uwezo Regulated Non- WDT-Sacco | Crown Paints, Likoni Road, Nairobi |
| 176. | Vegpro Regulated Non-WDT-Sacco | Jomo Kenyatta International Airport-2nd Freight Lane, Nairobi |
| 177. | Verona Huruma Regulated Non-WDT-Sacco | Holy Trinity Catholic Church, Kariobangi Area, Nairobi |
| 178. | Vision Regulated Non- WDT-Sacco | Karen Area, Nairobi |
| 179. | Wasado Regulated Non-WDT-Sacco | KCB Building Industrial Area, 3rd Floor, Nairobi |
| 180. | Waskom Regulated Non-WDT-Sacco | Supa Loaf Complex, Nairobi |
| 181 | Zoghori Regulated Non-WDT-Sacco | Tilu Bilu Building, Mombasa |
| 182 | Kenya – USA Diaspora Regulated Non-WDT- Sacco | Victoria Towers, Upper Hill |
| 183 | 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
Check out:
