Ndege Chai Sacco Membership
SACCO membership · Regulated by the SASRA
Ndege Chai Sacco is a co-op that takes deposits. SASRA licenses it. It started in 1978. It has over 80,000 members.
Hear when this changes
The details that matter for this kind of plan
- Licence
- Listed as a deposit-taking SACCO by SASRA for 2026
- Minimum to join
- KES 5,000 in shares (50 shares at KES 100 each)
- FY2025 return
- 10% interest on deposits, 18.5% dividends on share capital
How to open this
- Open with KES 5,000
- locked in for 2 months
What does it cost you?
| Taken off each payment you makeshare capital | KES 5,000 |
|---|
What if you stop paying?
The site does not say what happens if you stop. Ask them.
What if you need the money early?
You can get your non-withdrawable deposit back in 60 days. Give written notice first. Shares cannot be withdrawn but can be transferred.
Who this suits
You want a SACCO that shows its own terms. It has been licensed since 2011.
You need to see an admin fee. The SACCO does not publish one.
What they tell you
- What is taken off the money you pay in?KES 5,000, taken from share capital.
- What is the smallest amount you can start with?KES 5,000.
- How long is your money tied up?2 months.
- Do they say who regulates them?Yes — the SASRA. That is who you complain to.
Talk to them
- Website: www.ndegechaisacco.co.ke
- Email: info@ndegechaisacco.com
- 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
- 20 September 2026
- Somebody read the company's own material only a regulator's listing → researched
- Smallest lump sum to start is now KES 5,000, and was not published before
- How long your money is tied up is now 2 months, and was not published before
- Taken off each payment you make is now KES 5,000, 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.
“A member may be refunded the amount saved in his non-withdrawable deposit account within 60(sixty) days after giving a written notification.”
Ndege Chai Sacco Frequently Asked Questions — membership terms, shares, notice periodsthe company itselfread 2026-09-20“Financial Year 2025 Interest on deposits was at 10% dividends on share capital was at 18.5%. Join us today!”
“The nominal value of each share shall be Kshs.100/= and every member shall hold at least fifty (50) shares in the Society, but no member shall hold more than one-fifth of the total shares.”
Ndege Chai Sacco Frequently Asked Questions — membership terms, shares, notice periodsthe company itselfread 2026-09-20“Listed as a deposit-taking SACCO by SASRA for 2026”
SASRA: list of licensed and authorised Sacco societies, FY ending 31 Dec 2026the regulatorread 2026-09-16
Where we got this
- Read on 2026-09-16
- Ndege Chai Sacco homepage — FY2025 rates and member countthe company itselfRead on 2026-09-20
- Ndege Chai Sacco Frequently Asked Questions — membership terms, shares, notice periodsthe company itselfRead on 2026-09-20
- Ndege Chai Sacco Membership page — who can join and member countthe company itselfRead on 2026-09-20
- Ndege Chai Sacco About page — founding, licensing, membership scopethe company itselfRead on 2026-09-20