Ukaguzi Regulated Non-WDT-Sacco

The Ukaguzi M-Pesa Paybill number is 577322. Use Member number (use 'UKASH' to repay UKASH loan; ID number for joining fee) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 577322, then the account. Use Member number (use 'UKASH' to repay UKASH loan; ID number for joining fee) as the account number. Keep the M-Pesa message as your receipt.

You can dial *483*00# 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 Ukaguzi branch.

Yes: USSD *483*00#.

Phone: +254 714 124335, 0759693454 and Email: info@ukaguzi.com.

Ukaguzi's head office is at Anniversary Towers, Nairobi, Nairobi County.

You need: membership application form (download, email to ukaguzisacco@yahoo.com / ukaguzisacco1@gmail.com), copy of National ID or Passport, current payslip, kRA PIN certificate, passport size photograph, joining fee KES 2,000 (payroll or Paybill 577322, account ID) and eligibility: public service employees 18+ (OAG, KNH, commissions, ministries, parastatals, counties). Expect a registration fee of KSh 2,000, minimum share capital of KSh 20,000 and a minimum monthly saving of KSh 2,200. You can apply online on SaccoLink and we'll send your application to Ukaguzi.

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

Give Ukaguzi 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. Ukaguzi 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.