Imarisha Sacco Society Ltd

The Imarisha M-Pesa Paybill number is 982100. Use ID number (e.g. 12345678) or Sacco account number; for a specific product prefix the product code to the ID, e.g. DE12345678 (BOSA deposit), EL12345678 (emergency loan) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 982100, then the account. Use ID number (e.g. 12345678) or Sacco account number; for a specific product prefix the product code to the ID, e.g. DE12345678 (BOSA deposit), EL12345678 (emergency loan) as the account number. Keep the M-Pesa message as your receipt.

You can dial *451# and use the M-Imarisha app and log in with your member details to see your deposits, shares and loan balance. If you haven't registered for mobile banking, register at any Imarisha branch.

Yes: USSD *451# and the M-Imarisha app.

Phone: +254 709 578 000 and Email: imarisha@imarishasacco.co.ke.

Monday to Friday 8:30 am – 4 pm, Saturday 09:00-12:00 (fosa; mulot branch 09:00-16:00; bosa 09:00-13:00), Sunday closed.

Imarisha has 5 offices in Kericho and Mulot. The head office is at Kipsigis Teachers Cooperative House, Kisumu – Nakuru Highway.

You need: online account opening and membership form with required documents attached, entrance fee KES 360 and minimum shares KES 30,000. Expect a registration fee of KSh 360 and minimum share capital of KSh 30,000. You can apply online on SaccoLink and we'll send your application to Imarisha.

For FY2024, Imarisha paid 14.09% on share capital and 11.07% interest on deposits (source: Saccos Report Impressive Dividends Payout (Co-op News)). Rates are set each year at the AGM, so future rates may differ.

Loans are for members. How long you must save first, how much you can borrow against your deposits, and how many guarantors you need are set by Imarisha, so ask a branch for the loan form and current terms. If you need a guarantor from Imarisha, its SaccoLink guarantor board lets members guarantee each other.

Give Imarisha written notice. Deposits are usually refunded after a notice period once your loans and any guarantees you have given are cleared. Share capital is normally not refunded, but you can sell it to another member, for example on SaccoLink.

Yes. Imarisha is on SASRA's list of SACCOs licensed to take deposits (FOSA) for 2026, so it can offer withdrawable savings accounts as well as loans.