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Kenya National Police DT Sacco

Kenya National Police Sacco Membership

SACCO membership · Regulated by the SASRA

It has paid
11% a year
their figure, before charges

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.

Hear when this changes

What to watch out for

  • 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.

The details that matter for this kind of plan

Core Capital to Total Assets (CCA) 2025
35.67%
Core Capital to Total Deposits (CCD) 2025
63.14%
Institutional Capital to Total Assets (ICA) 2025
30.11%
External Borrowing to Total Assets 2025
0.00%
NPL Ratio 2025
2.33%

How to open this

  • Open with KES 50,000

What does it cost you?

Admin chargeeach year's payout, as a processing fee — with KES 60 excise duty and 5% withholding tax on topKES 300

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.

What they tell you

  • What is the smallest amount you can start with?
    KES 50,000.
  • Is the advertised return before or after their charges?
    Before charges. Their fees still come off this.
  • Do they say who regulates them?
    Yes — the SASRA. That is who you complain to.

Talk to them

Compared with the others

There are 222 other plans of this kind on the board. See all 223 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 1 years 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.

What the documents actually say

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

Where we got this