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Kenya National Police DT Sacco

Kenya National Police Sacco Membership

SACCO membership · Regulated by the SASRA

What is this?

You join a co-op owned by its members. You buy 500 shares at KES 100 each and save every month. Each year the surplus is shared: 17% on shares and 11% on deposits for 2024. Most people join for the loans.

The details that matter for this kind of plan

Paid on deposits for 202411%, the same as 2023
Paid on shares for 202417%, the same as 2023
What it takes to joinKES 50,000 of share capital — 500 shares at KES 100
Your shares never come backNon-refundable. You sell them to another member when you leave
Taken off each payout5% tax, KES 300 processing, KES 60 excise
Who can joinPolice officers, civil servants, salaried staff, business people, and their spouses and adult children

What does it cost you?

Admin chargeKES 300
Taken off each payment you makenot disclosed
Yearly charge on your moneynot disclosed
  • · The FAQ says registration fees are payable with the first contribution, but gives no amount.
  • · A co-op has no management fee in the fund sense; its running costs come out of the surplus before the rate is declared, and are not itemised for members on these pages.

What if you stop paying?

Your shares and deposits stay and keep earning whatever is declared. Loans need you in good standing.

What if you need the money early?

You cannot take part of your deposits out while you are a member. Shares are not refunded. You sell them to another member when you leave.

Who this suits

It could work for you if

You are in the police, the civil service or a salaried job. You want a yearly payout and loans against your savings.

Think twice if

You may need the money back. Deposits stay put while you are a member, and KES 50,000 of shares never come back.

How openly does this company explain its charges?

CLeaves real gaps9 of 15 answered
  • What do they charge you every year?
    A co-op has no management fee in the fund sense; its running costs come out of the surplus before the rate is declared, and are not itemised for members on these pages.
  • What is taken off the money you pay in?
    The FAQ says registration fees are payable with the first contribution, but gives no amount.
  • What does it cost to get out early?
    No exit penalty is printed in the sources we checked.
  • What is the smallest amount you can start with?
    KES 50,000.
  • How long is your money tied up?
    They do not say how long you are tied in.
  • Is the advertised return before or after their charges?
    Before charges. Their fees still come off this.
  • Do they warn you the return is not guaranteed?
    No warning appears next to the figure, even though it is not a promise.
  • Do they tell you what you get back if you stop early?
    You get whatever your money is worth on the day. There is no schedule.
  • Do they list what is not covered?
    This is not insurance, so there is nothing to exclude.
  • Are all their charges published?
    No. 2 charges are mentioned without a figure.
  • Do they say who regulates them?
    Yes — the SASRA. That is who you complain to.

This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.

Things to know before you sign

  • · The 17% and 11% are the rates for 2024, printed in the Sacco's own audited accounts, and were the same in 2023. Its 2025 accounts were not on its site when read. Nothing says next year matches.
  • · Each payout loses 5% withholding tax, a KES 300 processing fee and KES 60 excise duty, per the Sacco's own calculator.
  • · Share capital is 500 shares at KES 100. It is non-refundable and only transfers to, or is sold to, another member when you leave.
  • · You cannot withdraw part of your deposits, or set them against a loan, while you remain a member.
  • · Open to serving and retired police officers, all civil servants and salaried employees, the business community, and their spouses and children aged 18 and over.
  • · Kenya National Police DT Sacco is entry 68 on SASRA's 2026 register of licensed deposit-taking Saccos. Its own pages do not name its regulator, though the accounts use SASRA's ratios.

Talk to them

Compared with the others

There are 17 other plans of this kind on the board. See all 18 side by side — what each one leaves you with, and which of them will not say.

How current is this rate?

The 11% on this page is the rate Kenya National Police DT Sacco last declared, as at 2024-12-31 — over a year old.

The rate on members' deposits for 2024, printed in the Sacco's own accounts; it was 11% in 2023 too. Share capital paid 17% both years. The Sacco's site had not published its 2025 accounts when we read it, so 2024 is the latest figure from its own hand..

This is the most recent figure Kenya National Police DT Sacco publishes, not the most recent figure that exists. Ask them what the current rate is before you decide anything on the strength of it.

Where we got this