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Most SACCOs ask for a copy of your national ID, KRA PIN and a passport photo, plus a registration fee. Confirm with Ndege Chai.
Apply online We send your application to the SACCO.| Year | Dividend | Interest on deposits | Total assets | Source |
|---|---|---|---|---|
| FY2024 | 18.5% | 10% | — | Saccos Report Impressive Dividends Payout (Co-op News) |
| FY2023 | — | 10.5% | KSh 4.9bn | Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News) |
| FY2022 | — | — | KSh 4.3bn | Saccos Reward Members with Huge Returns Despite Economic Downturn (Co-op News) |
As published by the SACCO or reported in the press. Past dividends don't guarantee future ones.
Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.
Open the guarantor boardNone listed right now. Post a buy request or sell yours.
The Ndege Chai M-Pesa Paybill number is 637637. Use Prefix + national ID number: DE for deposits (DE 123456789), SA for FOSA savings, loan code for repayments (NL, AL, EL, JL, V) e.g. NL 1234567789 as the account number.
Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 637637, then the account. Use Prefix + national ID number: DE for deposits (DE 123456789), SA for FOSA savings, loan code for repayments (NL, AL, EL, JL, V) e.g. NL 1234567789 as the account number. Keep the M-Pesa message as your receipt.
You can dial *882# 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 Ndege Chai branch.
Yes: USSD *882#.
Phone: 052-2030121, 052-2030592, 020-8031759 and Email: info@ndegechaisacco.com.
Ndege Chai's head office is at Ndege Chai House, Kericho – Nakuru Highway, Kericho, Kericho County.
Bring your national ID and KRA PIN; Ndege Chai will tell you anything else it needs. You can apply online on SaccoLink and we'll send your application to Ndege Chai.
For FY2024, Ndege Chai paid 18.5% on share capital and 10% 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 Ndege Chai, so ask a branch for the loan form and current terms. If you need a guarantor from Ndege Chai, its SaccoLink guarantor board lets members guarantee each other.
Give Ndege Chai 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. Ndege Chai 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.
Details from the SACCO's official website. Last checked 24 Oct 2026. Something wrong or missing? Suggest an edit.
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