SASRA Licensed SACCOs in Kenya 2026: Full List of Deposit-Taking and BOSA SACCOs

If you’re about to join a SACCO, move your savings, or take a SACCO loan, the fastest way to protect your money is to confirm the SACCO is on the current SASRA list. For the 2026 financial year (January 1 to December 31, 2026), the Sacco Societies Regulatory Authority (SASRA) has licensed 176 deposit-taking (DT) SACCOs, authorized to run FOSA (Front Office Service Activity) accounts, and 176 non-deposit-taking (non-WDT) SACCOs, restricted to BOSA (Back Office Service Activity) only. A further five SACCOs are operating under conditionally restricted licenses, and a small number exited the regulated register during the year.

Below you’ll find the full 2026 lists, what the difference between the two license types means for your money, how to check whether a specific SACCO is licensed, and what to do if it isn’t.

Quick answer: how do I know if a SACCO is SASRA-licensed?

A SACCO is SASRA-licensed for 2026 if its name appears on one of the two official gazetted registers published by SASRA:

1. The Licensed Deposit-Taking (DT) SACCOs list — these can legally operate FOSA accounts, meaning you can withdraw your savings, use an ATM card, and access mobile banking-style services.
2. The Authorized Non-Deposit-Taking (Non-WDT) SACCOs list — these can only run BOSA, meaning your savings sit in the SACCO as non-withdrawable deposits until you exit membership, but you can still borrow against them.

If a SACCO isn’t on either list, or is marked “conditionally restricted” or “revoked,” it is not authorized to take new deposits from you, and dealing with it carries real risk. SASRA’s gazetted 2026 register confirms 176 institutions approved to undertake deposit-taking business from 1 January to 31 December 2026, with five SACCOs placed on conditionally restricted, credit-only status and two institutions exiting the regulated perimeter during the year.

The lists below are drawn from SASRA’s official gazette notices for 2026 (Deposit-Taking notice dated January 30, 2026, and Non-Deposit-Taking notice dated February 3, 2026). SASRA can update these registers during the year through supplementary notices, so always cross-check against SASRA’s own published list before making a financial decision — see “How to verify” below.

Read also: How to Check if a SACCO Is Licensed in Kenya

FOSA vs BOSA: why the difference matters to you

This is the single most important thing to understand before you look at the lists.

	Deposit-Taking (DT) SACCO – FOSA	Non-Deposit-Taking SACCO – BOSA only
Can you withdraw savings on demand?	Yes, through FOSA (like a bank account)	No — deposits are non-withdrawable while you remain a member
ATM card / mobile banking	Often available	Not available
Can you still borrow?	Yes	Yes, against your non-withdrawable deposits
Typical membership	Open or sector-based (teachers, police, county, community)	Usually tied to one employer, church, or institution
Regulator	SASRA (full prudential supervision)	SASRA (authorized, lighter non-deposit-taking regime)

Neither category is automatically “better” — a BOSA-only SACCO tied to your employer can still be a solid place to save and borrow.

What matters is that the SACCO you’re dealing with is on SASRA’s current list for the category it claims to operate in.

A SACCO that offers FOSA-style withdrawable accounts without appearing on the DT list is operating illegally, regardless of what its marketing materials say.

Full list: 176 SASRA-licensed Deposit-Taking (FOSA) SACCOs for 2026

In a Gazette Notice dated January 30, 2026, SASRA listed 176 Deposit-Taking SACCOs that are fully licensed to operate from January 1 to December 31, 2026, spanning all 47 counties and covering teachers, farmers, corporate employees, and general community-based societies.

No.	SACCO Name	County
1	2NK Sacco Society Limited	Nyeri
2	Acumen DT Sacco Society Limited	Kajiado
3	Afya Sacco Society Limited	Nairobi
4	Agrochem Sacco Society Limited	Kisumu
5	Ainabkoi Sacco Society Limited	Uasin Gishu
6	Airports Sacco Society Limited	Nairobi
7	Amica Sacco Society Limited	Murang’a
8	Ammar Sacco Society Limited	Murang’a
9	Apstar DT Sacco Society Limited	Nairobi
10	Ardhi Sacco Society Limited	Nairobi
11	Asili Sacco Society Limited	Nairobi
12	Azima Sacco Society Limited	Kiambu
13	Bandari Sacco Society Limited	Mombasa
14	Baraka Sacco Society Limited	Nyeri
15	Baraton Sacco Society Limited	Nandi
16	Biashara Sacco Society Limited	Nyeri
17	Biashara Tosha Sacco Society Limited	Embu
18	Bingwa Sacco Society Limited	Kirinyaga
19	Boresha Sacco Society Limited	Baringo
20	Capital Sacco Society Limited	Meru
21	Centenary Sacco Society Limited	Meru
22	Chai Sacco Society Limited	Nairobi
23	Chuka University Sacco Society Limited	Tharaka Nithi
24	Chuna Sacco Society Limited	Nairobi
25	Cosmopolitan Sacco Society Limited	Nakuru
26	County Sacco Society Limited	Embu
27	Daima Sacco Society Limited	Embu
28	Defence Sacco Society Limited	Nairobi
29	Dhabiti Sacco Society Limited	Meru
30	Dimkes DT Sacco Society Limited	Kiambu
31	Eco-Pillar Sacco Society Limited	West Pokot
32	Edis Sacco Society Limited	Bomet
33	Egerton University Sacco Society Limited	Nakuru
34	Elimu Sacco Society Limited	Nairobi
35	Enea Sacco Society Limited	Nyeri
36	Faridi Sacco Society Limited	Busia
37	Fariji Sacco Society Limited	Kiambu
38	Fortitude Sacco Society Limited	Homa Bay
39	Fortune Sacco Society Limited	Kirinyaga
40	Fundilima Sacco Society Limited	Kiambu
41	GDC Sacco Society Limited	Kiambu
42	Golden Pillar Sacco Society Limited	Meru
43	Good Faith Sacco Society Limited	Kiambu
44	Good Hope Sacco	Narok
45	Goodway Sacco Society Limited	Kirinyaga
46	Gusii Mwalimu Sacco Society Limited	Kisii
47	Harambee DT Sacco Society Limited	Nairobi
48	Hazina Sacco Society Limited	Nairobi
49	Home Business Sacco Society Limited	Laikipia
50	Ilkisonko Sacco Society	Kajiado
51	Imarika Sacco Society Limited	Kilifi
52	Imarisha Sacco Society Limited	Kericho
53	Invest & Grow (IG) Sacco Society Limited	Kakamega
54	Jamii Sacco Society Limited	Nairobi
55	Jamii Yetu Sacco Society Limited	Meru
56	Jitegemee Sacco Society Limited	Mombasa
57	Jogoo Sacco Society Limited	Nairobi
58	Joinas Sacco Society Limited	Kiambu
59	Jumuika Sacco Society Limited	Kisumu
60	K-Pillar Sacco Society Limited	Bomet
61	K-Unity Sacco Society Limited	Kiambu
62	Kabiyet Sacco Society Limited	Nandi
63	Kencream Sacco Society Limited	Nairobi
64	Kenpipe Sacco Society Limited	Nairobi
65	Kenversity Sacco Society Limited	Nairobi
66	Kenya Achievas Sacco Society Limited	Kisii
67	Kenya Highlands Sacco Society Limited	Kericho
68	Kenya National Police DT Sacco Society Limited	Nairobi
69	Keystone DT Sacco Society Limited	Kisumu
70	Kimbilio Daima Sacco Society Limited	Bomet
71	Kimisitu Sacco Society Limited	Nairobi
72	Kingdom Sacco Society Limited	Kiambu
73	Kolenge Tea Sacco Society Limited	Nandi
74	Koru DT Sacco Society Limited	Kisumu
75	Kumbukumbu Sacco Society Limited	Nairobi
76	Kwetu DT Sacco Society Limited	Machakos
77	Kwikas DT Sacco Society Limited	Nyandarua
78	Lainisha Sacco Society Limited	Kirinyaga
79	Lamu Teachers Sacco Limited	Lamu
80	Lengo Sacco Society Limited	Kilifi
81	Mafanikio Sacco Society Limited	Mombasa
82	Magadi Sacco Society Limited	Kajiado
83	Magereza Sacco Society Limited	Nairobi
84	Maisha Bora Sacco Society Limited	Nairobi
85	Mentor Sacco Society Limited	Murang’a
86	Mhasibu DT Sacco Society Limited	Nairobi
87	Mudete Sacco Society Limited	Kakamega
88	Muki Sacco Society Limited	Nyandarua
89	Mwalimu National Sacco Society Limited	Nairobi
90	Mwietheri Sacco Society Limited	Embu
91	Mwito Sacco Society Limited	Nairobi
92	Nacico Sacco Society Limited	Nairobi
93	Nafasi DT Sacco Society Limited	Nairobi
94	Nandi Farmers Sacco Society Limited	Nandi
95	Nation DT Sacco Society Limited	Nairobi
96	Nawiri Sacco Society Limited	Embu
97	Ndege Chai Sacco Society Limited	Kericho
98	Ndosha Sacco Society Limited	Tharaka Nithi
99	New Fortis Sacco Society Limited	Nyeri
100	Nexus Sacco Society Limited	Meru
101	Ng’arisha Sacco Society Limited	Bungoma
102	Njiwa Sacco Society Limited	Nairobi
103	NRS Sacco Society Limited	Kiambu
104	NSSF Sacco Society Limited	Nairobi
105	Nyambene Arimi Sacco Society Limited	Meru
106	Nyati Sacco Society Limited	Nairobi
107	Ollin Sacco Society Limited	Kirinyaga
108	Orient Sacco Society Limited	Kiambu
109	Patnas Sacco Society Limited	Kericho
110	Ports DT Sacco Society Limited	Mombasa
111	Prime-Time Sacco Society Limited	Elgeyo-Marakwet
112	Puan Sacco Society Limited	Narok
113	Qona Sacco Society Limited	Nairobi
114	Qwetu Sacco Society Limited	Taita Taveta
115	Setyon DT Sacco Society Limited	Kericho
116	Sheria Sacco Society Limited	Nairobi
117	Shirika DT Sacco Society Limited	Nairobi
118	Shoppers Sacco Society Limited	Nairobi
119	Simba Chai Sacco Society Limited	Kericho
120	Siraji Sacco Society Limited	Meru
121	Skyline DT Sacco Society Limited	Baringo
122	Smart Champions Sacco Society	Meru
123	Smartlife Sacco Society Limited	Elgeyo-Marakwet
124	Solution Sacco Society Limited	Meru
125	Sotico Sacco Society Limited	Bomet
126	Southern Star Sacco Society Limited	Tharaka Nithi
127	Stake Kenya Sacco Society Limited	Migori
128	Stawisha Sacco Society Limited	Bungoma
129	Stima DT Sacco Society Limited	Nairobi
130	Strategic DT Sacco Society Limited	Nairobi
131	Suluhu Sacco Society Limited	Kitui
132	Supa Sacco Society Limited	Samburu
133	Tabasamu Sacco Society Limited	Kwale
134	Tabasuri DT Sacco Society Limited	Mombasa
135	Tai Sacco Society Limited	Kiambu
136	Taifa Sacco Society Limited	Nyeri
137	Taqwa Sacco Society Limited	Nairobi
138	Taraji Sacco Society Limited	Siaya
139	Telepost Sacco Society Limited	Nairobi
140	Tembo Sacco Society Limited	Nairobi
141	Tenhos Sacco Society Limited	Bomet
142	Thamani Sacco Society Limited	Tharaka Nithi
143	The Apple Sacco Society Limited	Nandi
144	The Kenya Bankers Sacco Society Limited	Nairobi
145	The Noble Sacco Society Limited	Uasin Gishu
146	Times U Sacco Society Limited	Meru
147	Topkrim DT Sacco Society Limited	Homa Bay
148	Tower Sacco Society Limited	Nyandarua
149	Trans-Counties Sacco Society Limited	Trans Nzoia
150	Trans-National Times Sacco Society Limited	Trans Nzoia
151	Trans Elite County Sacco Society Limited	Nandi
152	Trans Nation Sacco Society Limited	Tharaka Nithi
153	Ufanisi DT Sacco Society Limited	Nairobi
154	Ukristo Na Ufanisi DT Sacco Society Limited	Nairobi
155	Unaitas Sacco Society Limited	Nairobi
156	Uni-County Sacco Society Limited	Nakuru
157	Unison Sacco Society Limited	Nanyuki
158	United Nations DT Sacco Society Limited	Nairobi
159	United Winners Sacco Society	Nairobi
160	Universal Traders Sacco Society Limited	Machakos
161	Univision Sacco Society Limited	Kitui
162	Ushuru Sacco Society Limited	Nairobi
163	Vihiga County Farmers Sacco Society Limited	Vihiga
164	Viktas Sacco Society Limited	Laikipia
165	Vision Afrika Sacco Society Limited	Nakuru
166	Vision Point Sacco Society Limited	Kisii
167	Wakenya Pamoja Sacco Society Limited	Kisii
168	Wakulima Commercial Sacco Society Limited	Nyeri
169	Wanaanga Sacco Society Limited	Nairobi
170	Wananchi Sacco Society Limited	Nyeri
171	Wanandege Sacco Society Limited	Nairobi
172	Washa Sacco Society Limited	Mombasa
173	Waumini Sacco Society Limited	Nairobi
174	Wevarsity Sacco Society Limited	Kakamega
175	Winas Sacco Society Limited	Embu
176	Yetu Sacco Society Limited	Meru

Full list: 176 SASRA-authorized Non-Deposit-Taking (BOSA-only) SACCOs for 2026

SASRA released its annual register authorising 176 SACCOs to offer non-deposit-taking financial services from January 1 to December 31, 2026. These entities, often formed by employees of specific companies, government agencies, or religious institutions, are only permitted to manage members’ savings and provide loans through the Back Office Services Activity model. Many are tied to a single employer or organization, so you’ll typically only encounter the one linked to your workplace, church, or association.

No.	SACCO Name	County
1	3N Regulated Non-WDT-Sacco	Nakuru
2	ABC Empowerment Regulated Non-WDT-Sacco	Machakos
3	Accel Regulated Non-WDT-Sacco	Nairobi
4	ACK Imani Talent Regulated Non-WDT Sacco	Nakuru
5	ACK Kihara Regulated Non-WDT-Sacco	Kiambu
6	ACK Thika Talents Regulated Non-WDT-Sacco	Kiambu
7	Adventist Regulated Non-WDT-Sacco	Nairobi
8	AIBK Regulated Non-WDT-Sacco	Nairobi
9	Airlink Regulated Non-WDT-Sacco	Nairobi
10	Alarms Regulated Non-WDT-Sacco	Mombasa
11	AMREF Regulated Non-WDT-Sacco	Nairobi
12	Appollosure Regulated Non-WDT-Sacco	Nairobi
13	Ballot Regulated Non-WDT-Sacco	Nairobi
14	Balozi Regulated Non-WDT-Sacco	Nairobi
15	Bamburi Wananchi Regulated Non-WDT-Sacco	Mombasa
16	Bands Regulated Non-WDT-Sacco	Nairobi
17	Banki Kuu Regulated Non-WDT-Sacco	Nairobi
18	Barabara Regulated Non-WDT-Sacco	Nairobi
19	Baraka Yetu Regulated Non-WDT-Sacco	Nairobi
20	BAT Regulated Non-WDT-Sacco	Nairobi
21	Besco Regulated Non-WDT-Sacco	Kiambu
22	Bestrock Regulated Non-WDT-Sacco	Kitui
23	Biblia Regulated Non-WDT-Sacco	Nairobi
24	Blue Eagle Regulated Non-WDT-Sacco	Nairobi
25	Braemeg Regulated Non-WDT-Sacco	Nairobi
26	Brookside Regulated Non-WDT-Sacco	Kiambu
27	Bunge Regulated Non-WDT-Sacco	Nairobi
28	Bunista Regulated Non-WDT-Sacco	Siaya
29	CDF Regulated Non-WDT-Sacco	Nairobi
30	CFAO Regulated Non-WDT-Sacco	Nairobi
31	Christian Entrepreneurs Regulated Non-WDT-Sacco	Kiambu
32	CIC Regulated Non-WDT-Sacco	Nairobi
33	COCOTECH Regulated Non-WDT-Sacco	Nairobi
34	Communication Regulated Non-WDT-Sacco	Nairobi
35	Concorde Regulated Non-WDT-Sacco	Nairobi
36	Co-operative Bank Regulated Non-WDT-Sacco	Nairobi
37	Cotts Regulated Non-WDT-Sacco	Mombasa
38	Davis & Shirtliff Regulated Non-WDT-Sacco	Nairobi
39	Devco Regulated Non-WDT-Sacco	Nairobi
40	Dhamini Regulated Non-WDT-Sacco	Nairobi
41	Dudu Regulated Non-WDT-Sacco	Nairobi
42	Eagle’s Eye Regulated Non-WDT-Sacco	Kiambu
43	Embassava Regulated Non-WDT-Sacco	Nairobi
44	Energy Regulated Non-WDT-Sacco	Nairobi
45	EPZA Regulated Non-WDT-Sacco	Machakos
46	Equity Regulated Non-WDT-Sacco	Nairobi
47	Esta Regulated Non-WDT-Sacco	Murang’a
48	Exams Regulated Non-WDT-Sacco	Nairobi
49	Family Regulated Non-WDT-Sacco	Nairobi
50	Farmers Choice Regulated Non-WDT-Sacco	Kiambu
51	Faulu Bank Regulated Non-WDT-Sacco	Nairobi
52	Finnlemm Regulated Non-WDT-Sacco	Nairobi
53	Forward Travellers Regulated Non-WDT-Sacco	Nairobi
54	Fugo Regulated Non-WDT-Sacco	Nairobi
55	Gathers Regulated Non-WDT-Sacco	Kiambu
56	Global Express Regulated Non-WDT-Sacco	Nairobi
57	Grain Bulk Regulated Non-WDT-Sacco	Mombasa
58	Grand Granite Diaspora Regulated Non-WDT-Sacco	Nairobi
59	Green Aro Community Regulated Non-WDT-Sacco	Siaya
60	Haco Regulated Non-WDT-Sacco	Nairobi
61	Heart Regulated Non-WDT-Sacco	Nairobi
62	HELB Regulated Non-WDT-Sacco	Nairobi
63	Hills Regulated Non-WDT-Sacco	Nandi
64	Hoechem Regulated Non-WDT-Sacco	Nairobi
65	Hyperflora Regulated Non-WDT-Sacco	Meru
66	ICEA Agents Regulated Non-WDT-Sacco	Nairobi
67	Irrigation Regulated Non-WDT-Sacco	Nairobi
68	Jachin Regulated Non-WDT-Sacco	Nairobi
69	Java Regulated Non-WDT-Sacco	Nairobi
70	Jumuia Ya Ulaya Regulated Non-WDT-Sacco	Nairobi
71	Kabarak University Regulated Non-WDT-Sacco	Nakuru
72	KAG Regulated Non-WDT-Sacco	Nairobi
73	Kanisa Regulated Non-WDT-Sacco	Nairobi
74	KASNEB Regulated Non-WDT-Sacco	Nairobi
75	KEMRI Regulated Non-WDT-Sacco	Nairobi
76	Kenchic Regulated Non-WDT-Sacco	Nairobi
77	Kenfam Regulated Non-WDT-Sacco	Nairobi
78	Kenred Regulated Non-WDT-Sacco	Nairobi
79	Kentours Regulated Non-WDT-Sacco	Nairobi
80	Kenya-USA Diaspora Regulated Non-WDT-Sacco	Nairobi
81	Kenya Medical Association Regulated Non-WDT-Sacco	Nairobi
82	Kenya Re Regulated Non-WDT-Sacco	Nairobi
83	Kenya Rural Roads Regulated Non-WDT-Sacco	Nairobi
84	Kenyatta Matibabu Regulated Non-WDT-Sacco	Nairobi
85	Ketepa Regulated Non-WDT-Sacco	Kericho
86	Kewisco Regulated Non-WDT-Sacco	Nairobi
87	Kiambu Chania Umoja Regulated Non-WDT-Sacco	Kiambu
88	Kiatu Regulated Non-WDT-Sacco	Kiambu
89	Kico Regulated Non-WDT-Sacco	Nairobi
90	KIDAPU Regulated Non-WDT-Sacco	Kiambu
91	Kijabe Regulated Non-WDT-Sacco	Kiambu
92	Kilele Regulated Non-WDT-Sacco	Nairobi
93	Kimtech Regulated Non-WDT-Sacco	Nyeri
94	Kinga Regulated Non-WDT-Sacco	Nairobi
95	Kingsize Regulated Non-WDT-Sacco	Nairobi
96	Kirungii Regulated Non-WDT-Sacco	Nairobi
97	Kutafiti Regulated Non-WDT-Sacco	Kilifi
98	Law Society of Kenya Regulated Non-WDT-Sacco	Nairobi
99	Limlak Regulated Non-WDT-Sacco	Kiambu
100	Lompasago Regulated Non-WDT-Sacco	Nairobi
101	London Regulated Non-WDT-Sacco	Machakos
102	Madison Regulated Non-WDT-Sacco	Nairobi
103	Majanees Regulated Non-WDT-Sacco	Kiambu
104	Maktaba Regulated Non-WDT-Sacco	Nairobi
105	Maridhawa Regulated Non-WDT-Sacco	Nairobi
106	Masterways Regulated Non-WDT-Sacco	Nairobi
107	Mataara Travellers Regulated Non-WDT-Sacco	Kiambu
108	Mikebe Regulated Non-WDT-Sacco	Kiambu
109	Minet Regulated Non-WDT-Sacco	Nairobi
110	Mkombozi Regulated Non-WDT-Sacco	Nairobi
111	Mofaa Regulated Non-WDT-Sacco	Nairobi
112	Mount Kenya University Regulated Non-WDT-Sacco	Kiambu
113	MTN Regulated Non-WDT-Sacco	Murang’a
114	Mzima Springs Regulated Non-WDT-Sacco	Nairobi
115	Nairobi Consumers Regulated Non-WDT-Sacco	Nairobi
116	Nairobi Water Regulated Non-WDT-Sacco	Nairobi
117	Nendeni Regulated Non-WDT-Sacco	Kajiado
118	Neno Regulated Non-WDT-Sacco	Embu
119	Network Regulated Non-WDT-Sacco	Nairobi
120	Nimepata Regulated Non-WDT-Sacco	Nairobi
121	Nyumba-Nairobi Regulated Non-WDT-Sacco	Nairobi
122	Nyumba Generations Regulated Non-WDT-Sacco	Mombasa
123	Panda Regulated Non-WDT-Sacco	Nakuru
124	Parents Plan Regulated Non-WDT-Sacco	Nairobi
125	Parliamentarians Regulated Non-WDT-Sacco	Nairobi
126	PCEA Kayole Regulated Non-WDT-Sacco	Nairobi
127	PCEA Makupa Parish Regulated Non-WDT-Sacco	Mombasa
128	PCEA Regulated Non-WDT-Sacco	Nairobi
129	PCEA Ruiru Regulated Non-WDT-Sacco	Kiambu
130	PEFA Nairobi Central Regulated Non-WDT-Sacco	Nairobi
131	Polytech Regulated Non-WDT-Sacco	Nairobi
132	Postbank Regulated Non-WDT-Sacco	Nairobi
133	Queensway Regulated Non-WDT-Sacco	Nairobi
134	Radio Guard Regulated Non-WDT-Sacco	Nairobi
135	Rambhai Regulated Non-WDT-Sacco	Nairobi
136	Ramco Group Regulated Non-WDT-Sacco	Nairobi
137	Reli Regulated Non-WDT-Sacco	Nairobi
138	Relief Regulated Non-WDT-Sacco	Nairobi
139	Rembo Shuttle Regulated Non-WDT-Sacco	Kajiado
140	Royal Media Regulated Non-WDT-Sacco	Nairobi
141	Rubani Regulated Non-WDT-Sacco	Nairobi
142	Sauti Regulated Non-WDT-Sacco	Nairobi
143	Sawa Regulated Non-WDT-Sacco	Nairobi
144	Shamiri Regulated Non-WDT-Sacco	Uasin Gishu
145	Shelloyees Regulated Non-WDT-Sacco	Nairobi
146	Sisi Kwa Sisi Regulated Non-WDT-Sacco	Mombasa
147	Smart Savers Regulated Non-WDT-Sacco	Nairobi
148	Stoke-UK Diaspora Regulated Non-WDT-Sacco	Nairobi
149	Taa Regulated Non-WDT-Sacco	Nairobi
150	Tetra Pak Regulated Non-WDT-Sacco	Nairobi
151	The Standard Regulated Non-WDT-Sacco	Nairobi
152	Torch Regulated Non-WDT-Sacco	Mombasa
153	Total Regulated Non-WDT-Sacco	Nairobi
154	Tramom Regulated Non-WDT-Sacco	Mombasa
155	Transglob Regulated Non-WDT-Sacco	Nairobi
156	Transwest Regulated Non-WDT-Sacco	Trans Nzoia
157	Uaminifu Regulated Non-WDT-Sacco	Nairobi
158	Ubora Regulated Non-WDT-Sacco	Nairobi
159	Ukaguzi Regulated Non-WDT-Sacco	Nairobi
160	Ukombozi Regulated Non-WDT-Sacco	Nakuru
161	Unbound Regulated Non-WDT-Sacco	Nairobi
162	Unga Regulated Non-WDT-Sacco	Nairobi
163	Unifying Regulated Non-WDT-Sacco	Kiambu
164	United Women Regulated Non-WDT-Sacco	Nairobi
165	Uokoaji Regulated Non-WDT-Sacco	Nairobi
166	Urban Roads Regulated Non-WDT-Sacco	Nairobi
167	USIU-Africa Regulated Non-WDT-Sacco	Nairobi
168	Utabibu Regulated Non-WDT-Sacco	Nairobi
169	Utafiti Regulated Non-WDT-Sacco	Nairobi
170	Uwezo Regulated Non-WDT-Sacco	Nairobi
171	Vegpro Regulated Non-WDT-Sacco	Nairobi
172	Verona Huruma Regulated Non-WDT-Sacco	Nairobi
173	Vision Regulated Non-WDT-Sacco	Nairobi
174	Wasado Regulated Non-WDT-Sacco	Nairobi
175	Waskom Regulated Non-WDT-Sacco	Nairobi
176	Zoghori Regulated Non-WDT-Sacco	Mombasa

SACCOs under conditionally restricted licenses in 2026

SASRA has confirmed that five SACCOs are barred from taking any new deposits but are allowed to continue lending from existing funds under heavy SASRA supervision, following red flags such as liquidity strain, non-performing loans above the regulatory limit, and governance failures uncovered during audits. These SACCOs are:

No.	SACCO Name	County
1	Dumisha Sacco Society Limited	Samburu
2	Bi-High Sacco Society Limited	Marsabit
3	Metropolitan National Sacco Society Limited	Kiambu
4	Ol’Kaunsel Regulated Non-WDT-Sacco Society Limited	Kajiado
5	Digital Media Regulated Non-WDT-Sacco Society Limited	Nairobi

If you’re a member of one of these SACCOs, you can still repay existing loans, but you should not add new savings or deposits until the SACCO regains a full license. If you’re considering joining a SACCO and it appears on this restricted list, hold off and ask the SACCO directly what triggered the restriction and when SASRA expects to review it.

SACCOs that exited the regulated register in 2026

Two DT-SACCOs left SASRA’s regulated perimeter during 2026: Nufaika Sacco (Kirinyaga) exited through a voluntary merger with another regulated SACCO, with its license lapsing on December 31, 2025, while PESA Sacco (Nairobi) had its authorization revoked after failing to meet member obligations following the closure of its sponsoring employer. Separately, on the non-deposit-taking side, SASRA’s February 2026 notice also revoked licenses for six other SACCOs and issued strict warnings against transacting with any unauthorised entity. SASRA’s notice did not name all six in the summaries available at publication, so if you deal with a smaller or lesser-known Non-WDT SACCO, verify its current status directly with SASRA rather than relying on last year’s list.

How to verify a SACCO’s current SASRA status

Media lists like the ones above are compiled from SASRA’s gazette notices and are a useful starting point, but SASRA’s own website is the authoritative, continuously updated source. Before you commit money:

1. Go to SASRA’s official “Regulated SACCOs” pages — sasra.go.ke lists “Licensed DT-SACCOs” and “Authorized Non-WDT SACCOs” separately, each with a downloadable PDF of the current gazetted register.
2. Download the current-year list, not an old one — SASRA re-issues the list annually and sometimes supplements it mid-year with restrictions or revocations.
3. Match the exact registered name. SACCOs sometimes share similar-sounding names; confirm you’re looking at the exact entity, including “DT,” “Non-WDT,” or “Society Limited” where it appears in the official name.
4. Ask to see the SACCO’s physical license. By law, licensed SACCOs must display their current SASRA license at their head office and branches.
5. Call SASRA directly if you’re unsure — SASRA’s head office is at UAP Old Mutual Tower, Upper Hill Road, Nairobi, and its published contact line is +254 (20) 2935101.

Why SASRA licensing matters before you save or borrow

SASRA supervises deposit-taking and specified non-deposit-taking SACCOs under the SACCO Societies Act, checking things like capital adequacy, liquidity, asset quality, and governance before renewing a license each year. Saving with a licensed SACCO means your deposits sit within a regulated framework with ongoing prudential oversight. Saving or investing with an unlicensed entity claiming to be a “SACCO” removes that protection entirely — there is no regulator standing behind your deposit, and recovering your money if the entity collapses or turns out to be fraudulent is far harder.

This distinction matters more than which SACCO has the highest advertised dividend rate. A SACCO that isn’t licensed shouldn’t be in the conversation at all, regardless of what returns it promises.

What to check before joining or borrowing from any licensed SACCO

Being on the SASRA list confirms a SACCO is legally authorized — it doesn’t tell you everything about whether it’s the right fit for you. Before joining, ask:

• Who can join? Some SACCOs are open (community or county-based); others are restricted to employees of a specific company, government agency, or professional body.
• What are the minimum share capital and monthly contribution requirements? These vary significantly between SACCOs and are set by each SACCO’s own by-laws, not by SASRA.
• What is the loan-to-deposit or loan-to-savings multiplier? Many SACCOs let members borrow a multiple of their savings/shares, but the exact multiplier, interest rate, and repayment period differ by SACCO and by loan product.
• Is interest charged on a reducing balance or flat rate? This materially changes what you actually pay — ask for the effective annual rate, not just the headline monthly rate.
• What happens if you want to exit membership? Non-withdrawable deposits in BOSA-only SACCOs are typically only released (in full or in part) when you formally exit membership, which can take time.
• What guarantor or collateral requirements apply to loans? Some SACCOs require member guarantors; others accept salary check-off, title deeds, or logbooks depending on the loan size.
• What are the latest audited dividend and interest-on-deposits rates? Ask for the SACCO’s most recent AGM report or audited financials rather than relying on verbal promises — rates change every year based on performance and are approved at the AGM, not guaranteed in advance.

Because these terms differ from one SACCO to the next and change from year to year, always confirm them directly with the specific SACCO’s current by-laws and latest AGM communication rather than assuming they match what you’ve read elsewhere, including in this article.

Frequently asked questions

Is a SACCO safe just because it’s on the SASRA list? Licensing means the SACCO met SASRA’s minimum regulatory requirements at the time of its last review and remains under ongoing supervision. It’s a strong baseline signal of legitimacy, but it isn’t a guarantee against all risk — even licensed SACCOs can be placed under restriction if problems emerge later in the year, as happened to five SACCOs in 2026. Check a SACCO’s current status, not just whether it was licensed at some point.

Can a BOSA-only (non-deposit-taking) SACCO still give me a loan? Yes. BOSA-only SACCOs can’t offer withdrawable FOSA accounts, but they can still accept non-withdrawable member deposits/shares and lend against them, typically to members of the specific employer, institution, or association the SACCO serves.

What should I do if I find my SACCO isn’t on either 2026 list? Don’t make new deposits or take a new loan until you’ve confirmed directly with SASRA. Contact the SACCO and ask for its current license, and cross-check the name against SASRA’s official website. If it genuinely isn’t licensed, report it and avoid transacting with it — dealing with unlicensed SACCO business is legally risky for you as well as the operator.

How often does SASRA update this list? SASRA gazettes the full list annually, ahead of the new financial year, and can issue supplementary notices during the year for restrictions, revocations, or new licenses (as happened with the five conditionally restricted SACCOs and two exits during 2026). Treat any list, including this one, as current as of its publication date and re-check for updates before making a major financial decision.

Key takeaways

SASRA licensed 176 deposit-taking SACCOs and authorized 176 non-deposit-taking SACCOs for the 2026 financial year, with five more operating under conditional restrictions and a small number exiting the register during the year.

The list tells you whether a SACCO is legally allowed to hold your deposits and, for DT-SACCOs, whether it can offer withdrawable FOSA accounts — but it’s only the starting point.

Before you commit your savings or take a loan, confirm the SACCO’s current status directly on SASRA’s official website, ask to see its physical license, and get its specific membership, contribution, interest, and dividend terms in writing rather than relying on general lists like this one, since those details vary by SACCO and change year to year.

Read also:

• How to Get a SACCO Loan in Kenya: Application Process and Requirements
• How Much Can I Borrow From a SACCO in Kenya? Loan Multiplier Explained
• How SACCOs Work in Kenya: A Complete Guide to Membership, Savings and Loans
• How to Join a SACCO in Kenya: Requirements and Step-by-Step Process