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Ardhi Sacco Society Ltd

Ardhi Sacco Membership

SACCO membership · Regulated by the SASRA

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

Hear when this changes

What to watch out for

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

The details that matter for this kind of plan

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

How to open this

  • then KES 3,000 a month

What does it cost you?

Taken off each payment you makeon joiningKES 1,000
Admin chargeeach month for the Risk Insurance FundKES 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.

What they tell you

  • What is taken off the money you pay in?
    KES 1,000, taken from on joining.
  • What is the smallest amount you can start with?
    KES 3,000.
  • 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

  • 22 August 2026
    • Smallest monthly payment is now KES 3,000, and was not published before
  • 22 August 2026
    • Taken off each payment you make is now KES 1,000, and was not published before
    • Admin charge is now KES 350, and was not published before
  • 22 August 2026
    • Somebody read the company's own material only a regulator's listing → researched

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