The Sacco Societies Regulatory Authority (SASRA) has released its official gazette notice listing all the deposit-taking and non-deposit-taking SACCOs authorised to operate in Kenya for the financial year ending 31st December 2025.
This comprehensive list aims to guide the public on legitimate SACCOs and ensure transparency in the sector.
According to the gazette notice, 178 SACCOs have been licensed for deposit-taking business, while 177 SACCOs are authorised for specified non-deposit-taking operations.
SASRA emphasised the importance of verifying SACCOs' compliance with regulations to avoid engaging in unauthorised transactions.
"It is an offence punishable by prosecution under the Act and the Regulations made thereunder for any person to conduct or undertake a deposit-taking SACCO business with any SACCO society or entity unless the SACCO society has been duly licensed or authorised by the Authority," the notice cautioned.
Revoked SACCO licences
SASRA also revealed that two SACCOs – B-SMART SACCO and MULTIPLE SACCO – failed to renew their licences and are prohibited from operating.
Here’s the full list of SACCOs licensed by SASRA, divided into deposit-taking and non-deposit-taking categories:
READ: 39 richest SACCOs in Kenya by asset base - SASRA report
Deposit-taking SACCOs
2NK Sacco Society Ltd
Acumen DT Sacco Society Ltd
Afya Sacco Society Ltd
Agrochem Sacco Society Ltd
Ainabkoi Sacco Society Ltd
Airports Sacco Society Ltd
Amica Sacco Society Ltd
Ammar Sacco Society Ltd
Apstar DT Sacco Society Ltd
Ardhi Sacco Society Ltd
Asili Sacco Society Ltd
Azima Sacco Society Ltd
Bandari Sacco Society Ltd
Baraka Sacco Society Ltd
Baraton Sacco Society Ltd
Bi-High Sacco Society Ltd
Biashara Sacco Society Ltd
Biashara Tosha Sacco Society Ltd
Bingwa Sacco Society Ltd
Boresha Sacco Society Ltd
Capital Sacco Society Ltd
Centenary Sacco Society Ltd
Chai Sacco Society Ltd
Chuka University Sacco Society Ltd
Chuna Sacco Society Ltd
Cosmopolitan Sacco Society Ltd
County Sacco Society Ltd
Daima Sacco Society Ltd
Defence Sacco Society Ltd
Dhabiti Sacco Society Ltd
Dimkes DT Sacco Society Ltd
Dumisha Sacco Society Ltd
Eco-Pillar Sacco Society Ltd
Edis Sacco Society Ltd
Egerton University Sacco Society Ltd
Elimu Sacco Society Ltd
Enea Sacco Society Ltd
Faridi Sacco Society Ltd
Fariji Sacco Society Ltd
Fortitude Sacco Society Ltd
Fortune Sacco Society Ltd
Fundilima Sacco Society Ltd
GDC Sacco Society Ltd
Golden Pillar Sacco Society Ltd
Good Faith Sacco Society Ltd
Goodway Sacco Society Ltd
Gusii Mwalimu Sacco Society Ltd
Harambee DT Sacco Society Ltd
Hazina Sacco Society Ltd
Home Business Sacco Society Ltd
Ilkisonko Sacco Society Ltd
Imarika Sacco Society Ltd
Imarisha Sacco Society Ltd
Invest & Grow (IG) Sacco Society Ltd
Jamii Sacco Society Ltd
Jamii Yetu Sacco Society Ltd
Jitegemee Sacco Society Ltd
Jogoo Sacco Society Ltd
Joinas Sacco Society Ltd
Jumuika Sacco Society Ltd
K-Pillar Sacco Society Ltd
K-Unity Sacco Society Ltd
Kabiyet Sacco Society Ltd
Kencream Sacco Society Ltd
Kenpipe Sacco Society Ltd
Kenversity Sacco Society Ltd
Kenya Achievas Sacco Society Ltd
Kenya Highlands Sacco Society Ltd
Kenya National Police DT Sacco Society Ltd
Keystone DT Sacco Society Ltd
Kimbilio Daima Sacco Society Ltd
Kimisitu Sacco Society Ltd
Kingdom Sacco Society Ltd
Kolenge Tea Sacco Society Ltd
Koru DT Sacco Society Ltd
Kwetu DT Sacco Society Ltd
Kwikas DT Sacco Society Ltd
Lainisha Sacco Society Ltd
Lamu Teachers Sacco Ltd
Lengo Sacco Society Ltd
Mafanikio Sacco Society Ltd
Magadi Sacco Society Ltd
Magereza Sacco Society Ltd
Maisha Bora Sacco Society Ltd
Mentor Sacco Society Ltd
Metropolitan National Sacco Society Ltd
Mhasibu DT Sacco Society Ltd
Mudete Sacco Society Ltd
Muki Sacco Society Ltd
Mwalimu National Sacco Society Ltd
Mwietheri Sacco Society Ltd
Mwito Sacco Society Ltd
Nacico Sacco Society Ltd
Nafasi DT Sacco Society Ltd
Nandi Farmers Sacco Society Ltd
Nation DT Sacco Society Ltd
Nawiri Sacco Society Ltd
Ndege Chai Sacco Society Ltd
Ndosha Sacco Society Ltd
New Fortis Sacco Society Ltd
Nexus Sacco Society Ltd
Ng'arisha Sacco Society Ltd
Njiwa Sacco Society Ltd
NRS Sacco Society Ltd
NSSF Sacco Society Ltd
Nufaika Sacco Society Ltd
Nyambene Arimi Sacco Society Ltd
Nyati Sacco Society Ltd
Ollin Sacco Society Ltd
Orient Sacco Society Ltd
Patnas Sacco Society Ltd
Ports DT Sacco Society Ltd
Prime-Time Sacco Society Ltd
Puan Sacco Society Ltd
Qona Sacco Society Ltd
Qwetu Sacco Society Ltd
Sheria Sacco Society Ltd
Stawisha Sacco Society Ltd
Stima DT Sacco Society Ltd
Strategic DT Sacco Society Ltd
Suluhu Sacco Society Ltd
Supa Sacco Society Ltd
Tabasamu Sacco Society Ltd
Tabasuri DT Sacco Society Ltd
Tai Sacco Society Ltd
Taifa Sacco Society Ltd
Taqwa Sacco Society Ltd
Taraji Sacco Society Ltd
Telepost Sacco Society Ltd
Tembo Sacco Society Ltd
Tenhos Sacco Society Ltd
Thamani Sacco Society Ltd
The Apple Sacco Society Ltd
The Kenya Bankers Sacco Society Ltd
The Noble Sacco Society Ltd
Times U Sacco Society Ltd
Topkrim DT Sacco Society Ltd
Tower Sacco Society Ltd
Trans-Counties Sacco Society Ltd
Trans-National Times Sacco Society Ltd
Trans Elite County Sacco Society Ltd
Trans Nation Sacco Society Ltd
Ufanisi DT Sacco Society Ltd
Ukristo Na Ufanisi DT Sacco Society Ltd
Unaitas Sacco Society Ltd
Uni-County Sacco Society Ltd
Unison Sacco Society Ltd
United Nations DT Sacco Society Ltd
United Winners Sacco Society Ltd
Universal Traders Sacco Society Ltd
Univision Sacco Society Ltd
Ushuru Sacco Society Ltd
Vihiga County Farmers Sacco Society Ltd
Viktas Sacco Society Ltd
Vision Afrika Sacco Society Ltd
Vision Point Sacco Society Ltd
Wakenya Pamoja Sacco Society Ltd
Wakulima Commercial Sacco Society Ltd
Wanaanga Sacco Society Ltd
Wananchi Sacco Society Ltd
Wanandege Sacco Society Ltd
Washa Sacco Society Ltd
Waumini Sacco Society Ltd
Wevarsity Sacco Society Ltd
Winas Sacco Society Ltd
Yetu Sacco Society Ltd
Authorised non-deposit-taking SACCOs
3N Regulated Non-WDT-Sacco
ABC Empowerment Regulated Non-WDT-Sacco
Accel Regulated Non-WDT-Sacco
ACK Kihara Regulated Non-WDT-Sacco
ACK Thika Talents Regulated Non-WDT-Sacco
Adventist Regulated Non-WDT-Sacco
AIBK Regulated Non-WDT-Sacco
Airlink Regulated Non-WDT-Sacco
Alarms Regulated Non-WDT-Sacco
AMREF Regulated Non-WDT-Sacco
Appollosure Regulated Non-WDT-Sacco
Ballot Regulated Non-WDT-Sacco
Balozi Regulated Non-WDT-Sacco
Bamburi Wananchi Regulated Non-WDT-Sacco
Bands Regulated Non-WDT-Sacco
Banki Kuu Regulated Non-WDT-Sacco
Barabara Regulated Non-WDT-Sacco
Baraka Yetu Regulated Non-WDT-Sacco
BAT Regulated Non-WDT-Sacco
Besco Regulated Non-WDT-Sacco
Bestrock Regulated Non-WDT-Sacco
Biblia Regulated Non-WDT-Sacco
Blue Eagle Regulated Non-WDT-Sacco
Braemeg Regulated Non-WDT-Sacco
Brookside Regulated Non-WDT-Sacco
Bunge Regulated Non-WDT-Sacco
Bunista Regulated Non-WDT-Sacco
CDF Regulated Non-WDT-Sacco
CFAO Regulated Non-WDT-Sacco
Christian Entrepreneurs Regulated Non-WDT-Sacco
CIC Regulated Non-WDT-Sacco
COCOTECH Regulated Non-WDT-Sacco
Communication Regulated Non-WDT-Sacco
Concorde Regulated Non-WDT-Sacco
Co-operative Bank Regulated Non-WDT-Sacco
Cotts Regulated Non-WDT-Sacco
Davis & Shirtliff Regulated Non-WDT-Sacco
Devco Regulated Non-WDT-Sacco
Dhamini Regulated Non-WDT-Sacco
Digital Media Regulated Non-WDT-Sacco
Dudu Regulated Non-WDT-Sacco
Eagle's Eye Regulated Non-WDT-Sacco
Embassava Regulated Non-WDT-Sacco
Energy Regulated Non-WDT-Sacco
EPZA Regulated Non-WDT-Sacco
Equity Regulated Non-WDT-Sacco
Esta Regulated Non-WDT-Sacco
Exams Regulated Non-WDT-Sacco
Family Regulated Non-WDT-Sacco
Farmers Choice Regulated Non-WDT-Sacco
Faulu Bank Regulated Non-WDT-Sacco
Finnlemm Regulated Non-WDT-Sacco
Forward Travellers Regulated Non-WDT-Sacco
Fugo Regulated Non-WDT-Sacco
Gathers Regulated Non-WDT-Sacco
Global Express Regulated Non-WDT-Sacco
Grain Bulk Regulated Non-WDT-Sacco
Grand Granite Diaspora Regulated Non-WDT-Sacco
Green Aro Community Regulated Non-WDT-Sacco
Haco Regulated Non-WDT-Sacco
Heart Regulated Non-WDT-Sacco
HELB Regulated Non-WDT-Sacco
Hills Regulated Non-WDT-Sacco
Hoechem Regulated Non-WDT-Sacco
Hyperflora Regulated Non-WDT-Sacco
ICEA Agents Regulated Non-WDT-Sacco
Irrigation Regulated Non-WDT-Sacco
Jachin Regulated Non-WDT-Sacco
Java Regulated Non-WDT-Sacco
Jumuia Ya Ulaya Regulated Non-WDT-Sacco
Kabarak University Regulated Non-WDT-Sacco
KAG Regulated Non-WDT-Sacco
Kanisa Regulated Non-WDT-Sacco
KASNEB Regulated Non-WDT-Sacco
KEMRI Regulated Non-WDT-Sacco
Kenchic Regulated Non-WDT-Sacco
Kenred Regulated Non-WDT-Sacco
Kentours Regulated Non-WDT-Sacco
Kenya-USA Diaspora Regulated Non-WDT-Sacco
Kenya Medical Association Regulated Non-WDT-Sacco
Kenya Re Regulated Non-WDT-Sacco
Kenya Rural Roads Regulated Non-WDT-Sacco
Kenyatta Matibabu Regulated Non-WDT-Sacco
Ketepa Regulated Non-WDT-Sacco
Kewisco Regulated Non-WDT-Sacco
Kiambu Chania Umoja Regulated Non-WDT-Sacco
Kiatu Regulated Non-WDT-Sacco
Kico Regulated Non-WDT-Sacco
KIDAPU Regulated Non-WDT-Sacco
Kijabe Regulated Non-WDT-Sacco
Kilele Regulated Non-WDT-Sacco
Kimtech Regulated Non-WDT-Sacco
Kinga Regulated Non-WDT-Sacco
Kingsize Regulated Non-WDT-Sacco
Kirungii Regulated Non-WDT-Sacco
Kumbukumbu Regulated Non-WDT-Sacco
Kutafiti Regulated Non-WDT-Sacco
Law Society of Kenya Regulated Non-WDT-Sacco
Limlak Regulated Non-WDT-Sacco
Lompasago Regulated Non-WDT-Sacco
London Regulated Non-WDT-Sacco
Madison Regulated Non-WDT-Sacco
Majanees Regulated Non-WDT-Sacco
Maktaba Regulated Non-WDT-Sacco
Maridhawa Regulated Non-WDT-Sacco
Masterways Regulated Non-WDT-Sacco
Mataara Travellers Regulated Non-WDT-Sacco
Mikebe Regulated Non-WDT-Sacco
Minet Regulated Non-WDT-Sacco
Mkombozi Regulated Non-WDT-Sacco
Mofaa Regulated Non-WDT-Sacco
Mount Kenya University Regulated Non-WDT-Sacco
MTN Regulated Non-WDT-Sacco
Mzima Springs Regulated Non-WDT-Sacco
Nairobi Consumers Regulated Non-WDT-Sacco
Nairobi Water Regulated Non-WDT-Sacco
Nendeni Regulated Non-WDT-Sacco
Neno Regulated Non-WDT-Sacco
Network Regulated Non-WDT-Sacco
Nimepata Regulated Non-WDT-Sacco
Nyumba-Nairobi Regulated Non-WDT-Sacco
Nyumba Generations Regulated Non-WDT-Sacco
Olkaunsel Regulated Non-WDT-Sacco
Panda Regulated Non-WDT-Sacco
Parents Plan Regulated Non-WDT-Sacco
Parliamentarians Regulated Non-WDT-Sacco
PCEA Kayole Regulated Non-WDT-Sacco
PCEA Makupa Parish Regulated Non-WDT-Sacco
PCEA Regulated Non-WDT-Sacco
PCEA Ruiru Regulated Non-WDT-Sacco
PEFA Nairobi Central Regulated Non-WDT-Sacco
PESA Regulated Non-WDT-Sacco
Polytech Regulated Non-WDT-Sacco
Postbank Regulated Non-WDT-Sacco
Queensway Regulated Non-WDT-Sacco
Radio Guard Regulated Non-WDT-Sacco
Rambhai Regulated Non-WDT-Sacco
Ramco Group Regulated Non-WDT-Sacco
Reli Regulated Non-WDT-Sacco
Relief Regulated Non-WDT-Sacco
Rembo Shuttle Regulated Non-WDT-Sacco
Royal Media Regulated Non-WDT-Sacco
Rubani Regulated Non-WDT-Sacco
Sauti Regulated Non-WDT-Sacco
Sawa Regulated Non-WDT-Sacco
Shamiri Regulated Non-WDT-Sacco
Shelloyees Regulated Non-WDT-Sacco
Sisi Kwa Sisi Regulated Non-WDT-Sacco
Smart Savers Regulated Non-WDT-Sacco
Stoke-UK Diaspora Regulated Non-WDT-Sacco
Taa Regulated Non-WDT-Sacco
Tetra Pak Regulated Non-WDT-Sacco
The Standard Regulated Non-WDT-Sacco
Torch Regulated Non-WDT-Sacco
Total Regulated Non-WDT-Sacco
Tramom Regulated Non-WDT-Sacco
Transglob Regulated Non-WDT-Sacco
Transwest Regulated Non-WDT-Sacco
Uaminifu Regulated Non-WDT-Sacco
Ubora Regulated Non-WDT-Sacco
Ukaguzi Regulated Non-WDT-Sacco
Ukombozi Regulated Non-WDT-Sacco
Unbound Regulated Non-WDT-Sacco
Unga Regulated Non-WDT-Sacco
Unifying Regulated Non-WDT-Sacco
United Women Regulated Non-WDT-Sacco
Uokoaji Regulated Non-WDT-Sacco
USIU-Africa Regulated Non-WDT-Sacco
Utabibu Regulated Non-WDT-Sacco
Utafiti Regulated Non-WDT-Sacco
Uwezo Regulated Non-WDT-Sacco
Vegpro Regulated Non-WDT-Sacco
Verona Huruma Regulated Non-WDT-Sacco
Vision Regulated Non-WDT-Sacco
Wasado Regulated Non-WDT-Sacco
Waskom Regulated Non-WDT-Sacco
Zoghori Regulated Non-WDT-Sacco