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Ardhi Sacco Society Ltd

Ardhi Sacco Membership

SACCO membership · Regulated by the SASRA

What is this?

You join a member-owned co-op. You buy share capital and save monthly deposits. You must also open a FOSA account for payments.

The details that matter for this kind of plan

LicenceListed as a deposit-taking SACCO by SASRA for 2026
Share capitalAt least 250 shares of KSh 20 each (minimum KSh 5,000).
Notice to withdrawGive at least 60 days’ written notice to leave the Sacco.

What does it cost you?

Taken off each payment you makeKES 1,000
Admin chargeKES 350

What if you stop paying?

They do not say on the site what happens if you stop paying. Your share capital stays in the Sacco. Ask them what charges or fines apply.

What if you need the money early?

You can leave by giving at least 60 days’ written notice. Your share capital is not refunded, but you can transfer it to another member. You cannot make partial withdrawals of non-withdrawable deposits.

Who this suits

It could work for you if

You want a SACCO with a clear joining fee and a set minimum monthly deposit. You are okay waiting for rates to be declared at the ADM.

Think twice if

You need to see the dividend or interest-on-deposits rates before you join. Or you want instant access to your money without notice.

How openly does this company explain its charges?

DHides more than it shows7 of 12 answered
  • What do they charge you every year?
    No yearly charge is printed in the sources we checked.
  • What is taken off the money you pay in?
    KES 1,000, taken from on joining.
  • 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 3,000.
  • 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?
    This product does not advertise a return.
  • Do they warn you the return is not guaranteed?
    This product does not advertise a return.
  • 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?
    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.

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

  • · SASRA lists this society as licensed for deposit-taking business in 2026. It does not publish the membership terms or declared return.

Talk to them

  • If something goes wrong, the SASRA is who supervises 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.

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