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Ukaguzi Regulated NWDT Sacco Society Limited

Ukaguzi Sacco Membership

SACCO membership · Regulated by the SASRA

A savings and credit co-operative society. Members save monthly deposits and share capital. They can access loans and earn dividends on share capital.

Hear when this changes

The details that matter for this kind of plan

What you save
Deposits you cannot withdraw while a member
Licensed by
SASRA, as a non-withdrawable deposit-taking society
Share capital
Kshs. 20,000 minimum (maximum Kshs. 500,000)
Refund period after termination
60 days
Partial withdrawal
Not allowed; access via loan or termination only

How to open this

  • Open with KES 20,000
  • then KES 2,000 a month

What does it cost you?

There are no separate charges. What you pay each month is the price of the cover.

What if you stop paying?

If you stop paying your monthly deposit, your account may become inactive. You cannot access loans until you resume payments. Your savings stay with the society.

What if you need the money early?

You cannot withdraw your monthly deposits while you are a member. You can only get them back through loans or when you leave the society.

Who this suits

It could work for you if

This suits you if you want to save regularly. You want to earn dividends on your share capital. You want to access loans guaranteed by your savings.

Think twice if

This does not suit you if you need quick access to your savings. It also does not suit you if you cannot pay at least Kshs. 2,000 each month.

What they tell you

  • What is the smallest amount you can start with?
    KES 2,000.
  • Are all their charges published?
    They list no separate charges. What you pay is the price.
  • 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.

What has changed here

  • 27 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Smallest monthly payment is now KES 2,000, and was not published before
    • Smallest lump sum to start is now KES 20,000, 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.

  • “Initial Minimum Member Deposit per month of Kshs. 2000 towards savings”
    Ukaguzi Sacco Membership pagethe company itselfread 2026-09-27
  • “Share Capital of Kshs. 20,000 minimum and maximum of Kshs. 500,000- This refers to the amount paid by the members as unit of ownership in the Sacco. The amount is not withdrawable nor refundable even one ceases to be a member.”
    Ukaguzi Sacco Membership pagethe company itselfread 2026-09-27

Where we got this