Relief Regulated NWDT Sacco Society Limited
Relief Sacco Membership
SACCO membership · Regulated by the SASRA
A savings and credit co-operative formed in 1993 by Red Cross staff. You join by buying shares and saving monthly. You can borrow against your deposits.
Hear when this changes
The details that matter for this kind of plan
- Share capital
- KES 10,000 minimum for 500 shares at KES 20 each. Non-withdrawable, but can be sold or transferred to another member.
- Minimum monthly deposit
- KES 3,000 into non-withdrawable deposits. Borrow up to 3 times the total.
- Licensed by
- SASRA, as a non-withdrawable deposit-taking society
- Active members
- 484 as stated on the society's own website
How to open this
- Open with KES 10,000
- then KES 3,000 a month
What if you stop paying?
Your savings stay with the society. What happens next is set by its own rules, which it does not publish in full.
What if you need the money early?
Non-withdrawable deposits need 60 days' written notice. The amount is reduced by any outstanding loans. Share capital is non-withdrawable but you can sell or transfer your shares. The BOSS account needs one month's notice.
Who this suits
It could work for you if
You want savings that are tied up while you are a member, with the chance to borrow against them.
Think twice if
You may need your money quickly. Much of it is locked while you are a member.
What they tell you
- What is the smallest amount you can start with?KES 3,000.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: reliefsacco.co.ke
- Email: info@reliefsacco.co.ke
- If something goes wrong, the SASRA is who supervises 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.
What has changed here
- 23 September 2026
- Somebody read the company's own material only a regulator's listing → researched
- Smallest monthly payment is now KES 3,000, and was not published before
- Smallest lump sum to start is now KES 10,000, and was not published before
We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.
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.
“Angels Account allows only two (2) withdrawals per year.”
Relief SACCO Ltd — Angel's Account (for children): minimum monthly contribution, interest rate, withdrawal limitsthe company itselfread 2026-09-23“BBF ensures every member contributes KES 300 monthly”
Relief SACCO Ltd — Benevolent Fund (BBF): monthly contribution, loan coverage, insurance, non-refundablethe company itselfread 2026-09-23“Commit to a minimum of three years to reap the full benefits.”
Relief SACCO Ltd — Akiba Account: minimum monthly saving, interest rate, duration, access termsthe company itselfread 2026-09-23“Each share represents ownership in the SACCO, giving you a voice in its decisions and operations.”
Relief SACCO Ltd — Share Capital: minimum investment, shares, dividend policythe company itselfread 2026-09-23“Earn a competitive 11% interest per annum, compounded back into your account”
Relief SACCO Ltd — Akiba Account: minimum monthly saving, interest rate, duration, access termsthe company itselfread 2026-09-23“Earn an attractive 8% interest per annum, provided your account remains active for six months in a calendar year.”
Relief SACCO Ltd — BOSS Account: minimum monthly savings, interest rate, withdrawal noticethe company itselfread 2026-09-23“Non-Withdrawable Deposits are monthly savings against which members can borrow up to 3 times the total amount. The minimum monthly contribution is KES 3,000, and withdrawals require a 60-day notice.”
Relief SACCO Ltd — FAQs: summary of savings products, loan products, share capital, non-withdrawable depositsthe company itselfread 2026-09-23“Relief SACCO proudly serves 484 active members”
Relief SACCO Ltd — About Us: founding, membership, loans disbursed, growth ratethe company itselfread 2026-09-23“Share Capital is the ownership amount in the SACCO, with a current minimum of KES 10,000 for 500 shares valued at KES 20 each.”
Relief SACCO Ltd — FAQs: summary of savings products, loan products, share capital, non-withdrawable depositsthe company itselfread 2026-09-23“Start with just KES 20,000 and watch your money work harder for you”
Relief SACCO Ltd — BOSS Plus Account: fixed deposit period, minimum deposit, interest ratethe company itselfread 2026-09-23“The BOSS Account allows members to save a minimum of KES 500 per month, earning 8% interest per annum.”
Relief SACCO Ltd — FAQs: summary of savings products, loan products, share capital, non-withdrawable depositsthe company itselfread 2026-09-23“The Development Loan is for capital-intensive projects, capped at KES 10 million, with longer repayment periods of up to 96 months.”
Relief SACCO Ltd — FAQs: summary of savings products, loan products, share capital, non-withdrawable depositsthe company itselfread 2026-09-23“Totaling to Kes 400 Million at 31 December 2023”
Relief SACCO Ltd — About Us: founding, membership, loans disbursed, growth ratethe company itselfread 2026-09-23“We offer an attractive interest rate of 8% per annum on all funds deposited into Angels Account.”
Relief SACCO Ltd — Angel's Account (for children): minimum monthly contribution, interest rate, withdrawal limitsthe company itselfread 2026-09-23“While the amount invested is non-withdrawable, you have the flexibility to sell or transfer your shares to another existing member upon withdrawal from the SACCO.”
Relief SACCO Ltd — Share Capital: minimum investment, shares, dividend policythe company itselfread 2026-09-23“With a fixed deposit period of 12 months”
Relief SACCO Ltd — BOSS Plus Account: fixed deposit period, minimum deposit, interest ratethe company itselfread 2026-09-23“With a low minimum savings requirement of KES 500 per month, you can kickstart your savings effortlessly.”
Relief SACCO Ltd — BOSS Account: minimum monthly savings, interest rate, withdrawal noticethe company itselfread 2026-09-23“With a minimum investment of KES 10,000, you can acquire 500 shares valued at KES 20 each.”
Relief SACCO Ltd — Share Capital: minimum investment, shares, dividend policythe company itselfread 2026-09-23“With a minimum monthly contribution of just KES 500, Angels Account makes it easy for parents to kickstart their children's savings journey”
Relief SACCO Ltd — Angel's Account (for children): minimum monthly contribution, interest rate, withdrawal limitsthe company itselfread 2026-09-23“With a minimum monthly contribution of KES 3,000, you unlock flexible loan access up to 3 times your deposit while supporting fellow members.”
Relief SACCO Ltd — Normal Savings Deposits: minimum monthly contribution, loan access, withdrawal noticethe company itselfread 2026-09-23“With a minimum monthly saving of just KES 500, you can start building your nest egg.”
Relief SACCO Ltd — Akiba Account: minimum monthly saving, interest rate, duration, access termsthe company itselfread 2026-09-23“Withdrawals are allowed with just one month's notice.”
Relief SACCO Ltd — BOSS Account: minimum monthly savings, interest rate, withdrawal noticethe company itselfread 2026-09-23“Withdrawals are permitted after 60 days of issuing a written notice.”
Relief SACCO Ltd — Normal Savings Deposits: minimum monthly contribution, loan access, withdrawal noticethe company itselfread 2026-09-23
Where we got this
- SASRA: Sacco Supervision Annual Report 2024 — growth performance indicators for every regulated societythe regulatorRead on 2026-08-28
- Read on 2026-09-23
- Read on 2026-09-23
- Relief SACCO Ltd — Normal Savings Deposits: minimum monthly contribution, loan access, withdrawal noticethe company itselfRead on 2026-09-23
- Relief SACCO Ltd — BOSS Account: minimum monthly savings, interest rate, withdrawal noticethe company itselfRead on 2026-09-23
- Relief SACCO Ltd — BOSS Plus Account: fixed deposit period, minimum deposit, interest ratethe company itselfRead on 2026-09-23
- Relief SACCO Ltd — Akiba Account: minimum monthly saving, interest rate, duration, access termsthe company itselfRead on 2026-09-23
- Relief SACCO Ltd — Angel's Account (for children): minimum monthly contribution, interest rate, withdrawal limitsthe company itselfRead on 2026-09-23
- Relief SACCO Ltd — Benevolent Fund (BBF): monthly contribution, loan coverage, insurance, non-refundablethe company itselfRead on 2026-09-23
- Relief SACCO Ltd — FAQs: summary of savings products, loan products, share capital, non-withdrawable depositsthe company itselfRead on 2026-09-23