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Utafiti Regulated NWDT Sacco Society Limited

Utafiti Sacco Membership

SACCO membership · Regulated by the SASRA

A savings society owned by its members. You save with it and can borrow. The money you pay in stays until you leave. It charges a KES 1,000 entrance fee when you join.

Hear when this changes

The details that matter for this kind of plan

Entrance fee
KES 1,000 one-time
What you save
Deposits you cannot withdraw while a member
Licensed by
SASRA, as a non-withdrawable deposit-taking society
Who can join
Individuals connected to partner organizations and their families and friends

What does it cost you?

Taken off each payment you makemembership application formKES 1,000

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. The society does not publish share capital, minimum monthly deposit, notice periods, or any dividend rate.

What if you need the money early?

You cannot take this money out while you are a member. You get it back when you leave. The society does not publish any early-withdrawal terms.

Who this suits

It could work for you if

You want savings you cannot dip into. You also want the chance to borrow against them. And you are connected to a partner organization or its families and friends.

Think twice if

You may need the money back soon. It is locked while you are a member. The society publishes almost no financial terms, so you cannot compare it before joining.

What they tell you

  • What is taken off the money you pay in?
    KES 1,000, taken from membership application form.
  • Are all their charges published?
    Yes, every charge they mention has a figure against it.
  • 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

  • 28 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
    • Taken off each payment you make is now KES 1,000, 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.

Where we got this