Invest & Grow (IG) Sacco: Dividends 2024, Contacts & How to Join

Branches

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

How to join

Bring:

Copy of National ID (front and back)
KRA PIN
Passport photo
Signature
Next of kin details
Employed: employment letter / payslip / payroll number
Self-employed: introduction letter from Area Chief or business registration certificate
Monthly contribution via check-off, standing order or Paybill

Apply online We send your application to the SACCO.

Loans & savings

What you need to get a loan

Provide your latest payslip.
Fill in and sign the loan application form, then deliver it to a branch.
Show you can repay; for most salary-based loans, repayments are limited to 30% of your net monthly salary.
Offer security: non-withdrawable deposits, salary, savings, guarantors or other security the SACCO accepts.

From Invest & Grow (IG)'s website. Compare with other SACCOs

11 loans Work out repayments

Fanikisha Loan

5× deposits 108 months

Long-term loan of up to 5 times your non-withdrawable deposits, secured by savings, guarantors or other acceptable security. Your salary must have been paid through the FOSA for at least 3 consecutive months; processed within a month.

Prime Loan

5× deposits 72 months

Up to 5 times your non-withdrawable deposits, secured by deposits, salary, savings, guarantors or other acceptable security. You must capitalise your dividend every year while the loan is being repaid.

Jipange Loan

1.5× deposits 24 months

For retirees: needs a certified copy of your retirement letter, a commitment letter from the Pensions Department and at least 3 guarantors. Processed within 4 hours.

Automobile Loan

5× deposits up to KSh 900,000 72 months

Up to 5 times your non-withdrawable deposits, capped at KSh 900,000, secured by deposits, salary, savings, guarantors or other acceptable security.

Haraka Loan

10× deposits 24 months

Processed within 4 hours and secured by deposits, salary, savings and guarantors. You can take it as many times as you can repay.

Normal Loan

5× deposits 60 months

Up to 5 times your non-withdrawable deposits, secured by deposits, salary, savings, guarantors or other acceptable security; processed within a month.

Show all 11 loans

Progressive Loan

10× deposits 48 months

Repayments are limited to 30% of your net monthly salary, and your salary must have been paid through the FOSA for at least 3 consecutive months.

FOSA Plus Loan

10× deposits 12 months

Processed within 4 hours; repayments are limited to 30% of net monthly salary, and your salary must have been paid through the FOSA for at least 3 consecutive months.

FOSA Loan

10× deposits 24 months

Processed within 4 hours; repayments are limited to 30% of net monthly salary, and your salary must have been paid through the FOSA for at least 3 consecutive months.

Empowerment Loan

10× deposits 84 months

Repayments are limited to 30% of net monthly salary, and your salary must have been paid through the FOSA for at least 12 consecutive months.

Akiba Loan

5× deposits 24 months

Up to 5 times your Akiba savings, processed within 4 hours; repayments are limited to 30% of net monthly salary.

From The SACCO's website, 27 October 2026. Rates and terms change: confirm with Invest & Grow (IG) before you apply.

Member benefits

We haven't recorded Invest & Grow (IG)'s risk fund, loan cover or welfare benefits yet. Know them? Tell us.

Published results

Year	Dividend	Interest on deposits	Total assets	Source
FY2024	17%	—	—	Saccos Report Impressive Dividends Payout (Co-op News)

As published by the SACCO, reported in the press, or shown on members' dividend payslips. Past dividends don't guarantee future ones.

Work out my Invest & Grow (IG) dividend

Invest & Grow (IG) in the news

Sacco Review · 23 Mar 2026 IG SACCO cracks down on loan defaulters as members seek relief

Stories from Kenya's co-operative press that name Invest & Grow (IG). Each opens on the publisher's site.

Need a guarantor in Invest & Grow (IG)?

Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.

Open the guarantor board

Shares for sale

Average 21.1% below face value

KSh 15,000

Value KSh 19,000 · 21.1% off · 26 Sep 2026

Invest & Grow (IG): questions members ask

What is the Invest & Grow (IG) Paybill number?

Invest & Grow (IG) hasn't published a Paybill number that we could confirm on its official channels. To ask, call +254 56 2030864, WhatsApp 0702377707 and email info@igsaccoltd.co.ke.

How do I check my Invest & Grow (IG) balance?

You can dial *879# 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 Invest & Grow (IG) branch.

Does Invest & Grow (IG) have mobile banking?

Yes: USSD *879#.

What is the Invest & Grow (IG) contact number?

Phone: +254 56 2030864, +254 726 340 851, +254 736 333 334, 0111195100, WhatsApp: 0702377707 and Email: info@igsaccoltd.co.ke.

Where is Invest & Grow (IG)'s head office?

Invest & Grow (IG)'s head office is at Invest & Grow Plaza, Khalisia Road 3, Kakamega, Kakamega County.

How do I join Invest & Grow (IG)?

You need: copy of National ID (front and back), kRA PIN, passport photo, signature, next of kin details, employed: employment letter / payslip / payroll number, self-employed: introduction letter from Area Chief or business registration certificate and monthly contribution via check-off, standing order or Paybill. You can apply online on SaccoLink and we'll send your application to Invest & Grow (IG).

What dividend does Invest & Grow (IG) pay?

For FY2024, Invest & Grow (IG) paid 17% on share capital (source: Saccos Report Impressive Dividends Payout (Co-op News)). Rates are set each year at the AGM, so future rates may differ.

What do I need to get a loan from Invest & Grow (IG)?

Provide your latest payslip. Fill in and sign the loan application form, then deliver it to a branch. Show you can repay; for most salary-based loans, repayments are limited to 30% of your net monthly salary. Offer security: non-withdrawable deposits, salary, savings, guarantors or other security the SACCO accepts. (Source: Invest & Grow (IG)'s website. Confirm with the SACCO before you apply.)

What loans does Invest & Grow (IG) offer?

11 loans: Fanikisha Loan, Prime Loan, Jipange Loan, Automobile Loan, Haraka Loan, Normal Loan, Progressive Loan, FOSA Plus Loan, FOSA Loan, Empowerment Loan and Akiba Loan. 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 Invest & Grow (IG)?

Most Invest & Grow (IG) 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.

How do I get a loan from Invest & Grow (IG)?

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 Invest & Grow (IG), so ask a branch for the loan form and current terms. If you need a guarantor from Invest & Grow (IG), its SaccoLink guarantor board lets members guarantee each other.

How do I leave Invest & Grow (IG) or withdraw my savings?

Give Invest & Grow (IG) 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 Invest & Grow (IG) licensed by SASRA?

Yes. Invest & Grow (IG) 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.

Follow Invest & Grow (IG)

Facebook X Instagram

More on SaccoLink

Your money

SACCO info

Help

Invest & Grow (IG) Sacco Society Ltd