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  3. Egerton University
Deposit-Taking Licensed by SASRA (deposit-taking) 2026

Egerton University Sacco Society Ltd

Egerton Sacco Plaza, Egerton University, Njoro Township, Nakuru County
Apply to join Call
Dial *645#Mobile banking 0110 009 393Call 0770 999 002Call info@egertonsacco.coopEmail Mobile appGet the app egertonsacco.coopWebsite DirectionsHead office
Save automatically with M-Pesa (M-Ratiba)

Set it once, and M-Pesa sends money to Egerton University by itself every day, week or month. No need to remember.

  1. Dial *334# and choose M-Ratiba.
  2. Choose Standing Orders, then Create New Standing Order, then Pay Bill.
  3. Paybill number: 798073
  4. Account number: your Egerton University account or member number
  5. Enter the amount, choose how often (daily, weekly or monthly) and the start date.
  6. Confirm with your M-Pesa PIN.

You can change or stop it any time on *334# under M-Ratiba. Keep enough in M-Pesa on the day it runs.

Pay Egerton University from your phoneSave, buy shares or repay a loan by M-Pesa, and SaccoLink keeps track for you.

Branches

Branch list not added yet. Add a branch you know.

How to join

Registration feeKSh 500
Minimum share capitalKSh 20,000

Bring:

  • Account opening form (downloadable)
  • Passport-size photo
  • Copy of national ID or other authenticated identity
  • Employed members: current payslip and copy of employment letter
Apply online We send your application to the SACCO.

Forms & downloads

1 forms from Egerton University's website. Each opens the SACCO's own file, so it's always their current version.

Joining & membership (1) Membership Application formPDF

Loans & savings

16 loans Work out repayments
Normal Loan
3× deposits 48 months 12% a year
Medium-term development loan of up to 3 times deposits. Needs at least 3 guarantors whose pledged deposits cover the loan, and deductions must stay within the one-third rule.
Normal Loan II
5× deposits 48 months 15% a year
Medium-term loan for development and investment of up to 5 times deposits. Needs at least 3 guarantors whose pledged deposits cover the loan, and deductions must stay within the one-third rule.
Fahari Loan
4× deposits 60 months 12% a year
For members with over KES 1 million in deposits, up to 4 times deposits. Needs at least 3 guarantors whose pledged deposits cover the loan, and deductions must stay within the one-third rule.
Development Loan
5× deposits 84 months 16% a year
Long-term development loan of up to 5 times deposits. Needs at least 3 guarantors whose pledged deposits cover the loan, and deductions must stay within the one-third rule.
Enhanced Development Loan
5× deposits 96 months 14.5% a year
Long-term loan for projects and investments, up to 5 times deposits, for members whose salary passes through the SACCO. Needs at least 3 guarantors whose pledged deposits cover the loan, and deductions must stay within the one-third rule.
Superflex Loan
5× deposits 84 months 15% a year
Loan for bridging projects, up to 5 times deposits, amortised. Needs at least 3 guarantors whose pledged deposits cover the loan, and deductions must stay within the one-third rule.
Show all 16 loans
Pioneer Loan
2× deposits 84 months 12% a year
For retired members, up to 2 times deposits; needs at least 4 guarantors or collateral and proof of ability to pay.
Education Loan
5× deposits 12 months 15% a year
Short-term school fees loan of up to 5 times deposits. Needs at least 3 guarantors whose pledged deposits cover the loan; check-off borrowers must stay within the one-third rule, and members paid through the SACCO must keep a net salary of at least KES 5,000.
Emergency Loan
5× deposits 12 months 15% a year
Short-term loan for unforeseen needs, up to 5 times deposits. Needs at least 3 guarantors whose pledged deposits cover the loan; check-off borrowers must stay within the one-third rule, and members paid through the SACCO must keep a net salary of at least KES 5,000.
FOSA Jiinue Loan
7× deposits 20 months 1.45% a month
Short-term loan for household items, up to 7 times deposits, for members whose salary passes through the SACCO. Needs at least 3 guarantors whose pledged deposits cover the loan and a net salary of at least KES 5,000.
Jipange Loan
4× deposits 15 months 1.45% a month
Loan for household items of up to 4 times deposits; needs at least 4 guarantors and a net salary of at least KES 3,000.
Jitunze Loan
4× deposits 10 months 1.45% a month
Loan for household items of up to 4 times deposits; needs at least 4 guarantors and a net salary of at least KES 3,000.
Instant Loan
4× deposits 10 months 4% a month
Loan for urgent needs of up to 4 times deposits or 7 times net salary, repaid through salary deduction; needs at least 2 guarantors.
Pre Salary Loan
up to KSh 300,000
Once-a-month advance against salary paid through the FOSA account, up to KES 300,000, with a charge of 10% of the amount advanced.
Advance Loan
One-off advance against a loan already approved but awaiting disbursement, up to 50% of the approved loan, with a charge of 5% of the amount advanced.
End Year Advance (Dividend Advance)
Advance against the member's year-end dividend for members with no loan arrears, up-to-date deposits and no default listing; 7.5% interest is recovered upfront.

From The SACCO's website, 27 October 2026. Rates and terms change: confirm with Egerton University before you apply.

Member benefits

We haven't recorded Egerton University's risk fund, loan cover or welfare benefits yet. Know them? Tell us.

Latest from Egerton University

11 Nov 2026 REQUEST FOR QUOTATION Desktop And external HDD(RFQ) REQUEST FOR QUOTATION Desktop And external HDD(RFQ) 11 Nov 2026 REQUEST FOR QUOTATION Cisco Switch(RFQ) REQUEST FOR QUOTATION Cisco Switch(RFQ) 11 Nov 2026 REQUEST FOR PROPOSAL PowerBackup(RFP) REQUEST FOR PROPOSAL PowerBackup(RFP) 11 Nov 2026 REQUEST FOR PROPOSAL CCTV(RFP) REQUEST FOR PROPOSAL CCTV(RFP) 28 Aug 2026 EUSACCO-Prequalification-Notice-2026 EUSACCO is doing Prequalification for the year 2026/2027. Click here for more information

From Egerton University's own website, checked daily. Each opens on the SACCO's site.

Need a guarantor in Egerton University?

1 member is on the guarantor board, offering to guarantee each other.

Open the guarantor board

Shares for sale

KSh 100,000
5,000 stated · 3 Sep 2026

Egerton University: questions members ask

What is the Egerton University Paybill number?

The Egerton University M-Pesa Paybill number is 798073. Ask the SACCO what to enter as the account number (usually your member number).

How do I top up my Egerton University shares or deposits?

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 798073, then the account. Ask the SACCO what to enter as the account number (usually your member number). Keep the M-Pesa message as your receipt.

How do I check my Egerton University balance?

You can dial *645# and use the mobile 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 Egerton University branch.

Does Egerton University have mobile banking?

Yes: USSD *645# and a mobile app.

What is the Egerton University contact number?

Phone: 0110 009 393, 0770 999 002 and Email: info@egertonsacco.coop.

Where is Egerton University's head office?

Egerton University's head office is at Egerton Sacco Plaza, Egerton University, Njoro Township, Nakuru County.

How do I join Egerton University?

You need: account opening form (downloadable), passport-size photo, copy of national ID or other authenticated identity and employed members: current payslip and copy of employment letter. Expect a registration fee of KSh 500 and minimum share capital of KSh 20,000. You can apply online on SaccoLink and we'll send your application to Egerton University.

What loans does Egerton University offer?

16 loans: Normal Loan, Normal Loan II, Fahari Loan, Development Loan, Enhanced Development Loan, Superflex Loan, Pioneer Loan, Education Loan, Emergency Loan, FOSA Jiinue Loan, Jipange Loan, Jitunze Loan, Instant Loan, Pre Salary Loan, Advance Loan and End Year Advance (Dividend Advance). Most let you borrow up to 5 times your deposits. (Source: The SACCO's website. Confirm current terms with the SACCO.)

How much can I borrow from Egerton University?

Most Egerton University loans let you borrow up to 5 times your deposits, and repayments must leave you at least a third of your salary (the 2/3 rule). SaccoLink's loan calculator works out the limit and the monthly repayment.

Where do I get the Egerton University membership form?

They're listed under Forms & downloads on this page, each opening the file on Egerton University's own website: Membership Application form. You can also apply online through SaccoLink.

How do I get a loan from Egerton University?

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

How do I leave Egerton University or withdraw my savings?

Give Egerton University 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.

Is Egerton University licensed by SASRA?

Yes. Egerton University 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.

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Details from the SACCO's official website. Last checked 24 Oct 2026. Something wrong or missing? Suggest an edit.

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