KEMRI Regulated Non-WDT-Sacco

The KEMRI M-Pesa Paybill number is 4080767. Use Name/member no./payroll no. + product code, e.g. 'Jose Mourihno***DEP' (DEP deposit, NOR normal loan, EM emergency, EDU school fees, INST instant, HOL holiday, SHR share capital) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 4080767, then the account. Use Name/member no./payroll no. + product code, e.g. 'Jose Mourihno***DEP' (DEP deposit, NOR normal loan, EM emergency, EDU school fees, INST instant, HOL holiday, SHR share capital) as the account number. Keep the M-Pesa message as your receipt.

Ask KEMRI for a statement or about its mobile banking options. To ask, call 0713629194 and email info@kemrisacco.com.

Phone: 0713629194 and Email: info@kemrisacco.com.

KEMRI's head office is at KEMRI Visiting Scientists Quarters, Mbagathi Road, Nairobi County.

You need: completed membership form (in capital letters), copy of National ID card, two passport size photographs and membership fee and benevolent fund contribution (amounts not stated). Expect a minimum monthly saving of KSh 2,000. You can apply online on SaccoLink and we'll send your application to KEMRI.

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 KEMRI, so ask a branch for the loan form and current terms. If you need a guarantor from KEMRI, its SaccoLink guarantor board lets members guarantee each other.

Give KEMRI 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. KEMRI is on SASRA's 2026 list of SACCOs authorised to take non-withdrawable deposits: members save deposits and share capital and borrow against them, but it doesn't run withdrawable (FOSA) accounts.