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  1. Home
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  3. Kimisitu
Deposit-Taking Open now · closes 5 pm Licensed by SASRA (deposit-taking) 2026

Kimisitu Sacco Society Ltd

AEA Plaza, Valley Road, Nairobi, Nairobi County
Apply to join Call
Dial *503#Mobile banking +254 709 136 000Call customercare@kimisitusacco.or.keEmail Kimisitu Money AppGet the app kimisitusacco.or.keWebsite DirectionsHead office
Save automatically with M-Pesa (M-Ratiba)

Set it once, and M-Pesa sends money to Kimisitu 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: 911200
  4. Account number: ID number + product code
  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 Kimisitu from your phoneSave, buy shares or repay a loan by M-Pesa, and SaccoLink keeps track for you.

Opening hours

Monday – Friday8 am – 5 pm
Saturday—
SundayClosed

Branches

Kisumu office
Reinsurance Plaza, Shop Unit, Block B, 1st Floor, Oginga Odinga Street, Kisumu
Directions

How to join

Registration feeKSh 1,000
Minimum share capitalKSh 30,000
Minimum monthly savingKSh 2,000

Bring:

  • Open bond: individuals 18+ in employment or business, corporates, chamas
  • Registration fee KES 1,000 (first-time individual; 0 when rejoining; corporate/chama 2,000)
  • Minimum monthly deposit KES 2,000 (individual) / 10,000 (corporate, chama)
  • Share capital KES 30,000
  • Corporate/Chama applications to customercare@kimisitusacco.or.ke or the office
Apply online We send your application to the SACCO.

Loans & savings

What you need to get a loan

  • Members on check-off must wait 3 months before borrowing; others wait 6 months.
  • Security can be self-guarantee, guarantors, a car logbook or a land title.

From Kimisitu's website. Compare with other SACCOs

25 loans Work out repayments
Emergency Loan
4× deposits up to KSh 50,000,000 18 months 12% a year
Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Education Loan
4× deposits up to KSh 50,000,000 24 months 12% a year
Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Agricultural Loan
4× deposits up to KSh 5,000,000 36 months 1% a month
Farming loan with a grace period of up to 1 month.
Development Loan
4× deposits up to KSh 50,000,000 72 months 12% a year
Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title. Can buy off Premier and Mega loans.
Special Development Loan
4× deposits up to KSh 50,000,000 48 months 13% a year
Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Mega Loan
4× deposits up to KSh 50,000,000 72 months 14.4% a year
Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title. Buys off all loans.
Show all 25 loans
Premier Loan
5× deposits up to KSh 50,000,000 84 months 15.6% a year
Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Personal Loan
60 months 1% a month
Based on 80% of gross pay, for members whose salary has gone through FOSA for at least 3 months, with irrevocable instructions to keep it there.
Rental Master Plus Loan
up to KSh 50,000,000 72 months 1.08% a month
For landlords of rental or commercial property to renovate, expand, bridge or refinance; up to 5 times monthly rental income, secured by the rental agreement and title deed.
Landlord Advance Facility
up to KSh 15,000,000 36 months 1.2% a month
Cash-flow advance for landlords awaiting delayed rent, based on up to 6 months' rent through FOSA and up to 5 times monthly rental income.
Top Up Emergency Loan
4× deposits up to KSh 50,000,000 18 months 12% a year
Tops up an existing Emergency Loan. Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Top Up Education Loan
4× deposits up to KSh 50,000,000 24 months 12% a year
Tops up an existing Education Loan. Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Top Up Development Loan
4× deposits up to KSh 50,000,000 60 months 12% a year
Tops up an existing Development Loan. Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Top Up Special Development Loan
4× deposits up to KSh 50,000,000 48 months 13% a year
Tops up an existing Development Loan. Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Top Up Mega Loan
4× deposits up to KSh 50,000,000 72 months 14.4% a year
Buys off all SACCO loans except the Premier Loan. Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Top Up Premier Loan
5× deposits up to KSh 50,000,000 84 months 15.6% a year
Can bridge all SACCO and bank loans. Waiting period 3 months on check-off, 6 months otherwise; secured by self-guarantee, guarantors, logbook or title.
Asset Finance Loan
5× deposits up to KSh 10,000,000 48 months 14.5% a year
For vehicles under 8 years old, secured by the logbook plus guarantors, title or self-guarantee; the vehicle covers 70% (Toyota) or 60% (other makes) of security.
Business Loan
4× deposits 36 months 1.08% a month
For corporate members' businesses; FOSA deposits held in lien. Needs 3 years of audited accounts, business records or plan, licences, and an account operated for 6 months.
M-Kimisitu
up to KSh 300,000 6 months
Mobile loan available immediately to members with deposits; top-ups at 2.5% of the balance.
Salary Advance Loan
up to KSh 500,000 4 months
80% of net salary, graduated up to KSh 500,000, for members whose pay has gone through FOSA for at least 1 month; one-off 6% interest taken upfront, salary as security.
Makao Halisi
7× deposits up to KSh 50,000,000 12% a year
Construction, land or house purchase: 144 months for residential, 180 for commercial, 60 for land. Secured by the property plus guarantors, logbook or title.
KMRC Mortgage
7× deposits up to KSh 10,500,000 9% a year
To buy or build a residential home, with up to 105% financing and a 1% processing fee.
Tusonge Mbele Loan
1.2% a month
For registered chamas' land (100% financing, 60 months) or housing projects (105%, 144 to 180 months); fully secured, with chama deposits in lien. Needs 6 months of consistent contributions and sealed chama documents.
Chama Chapchap Loan
up to KSh 500,000 24 months 1% a month
Quick personal loan for chama members who are SACCO members, with personal and chama guarantee. Member and chama must have contributed 6 months; the chama must be registered as a company.
Affordable Mortgage
up to KSh 10,500,000
Affordable Mortgage (with KMRC): up to Ksh 10.5 million at 9% p.a., repayment up to 25 years

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

Member benefits

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

Latest from Kimisitu

18 Aug 2026 KIMISITU DT SACCO UNVEILS SINGLE-DIGIT MORTGAGE FINANCING Homeownership is a dream for many Kenyans, but for years, high financing costs and limited access to affordable mortgages has kept that dream out of reach. To … 20 Feb 2026 TURNING DREAMS INTO REALITY WITH KIMISITU DT SACCO Winfred Ndote, a member of Kimisitu DT Sacco since April 2022, is celebrating three years of growth and transformation both personally and in business. Speakin… 20 Feb 2026 TURNING DREAMS INTO REALITY WITH KIMISITU DT SACCO Winfred Ndote, a member of Kimisitu DT Sacco since April 2022, is celebrating three years of growth and transformation both personally and in business. Speakin… 25 Nov 2025 HOW TO MAKE YOUR DREAM GETAWAY A REALITY WITH KIMISITU DT SACCO Everyone dreams of a perfect holiday whether it is relaxing on a sandy beach, sightseeing in a new city, or reuniting with family in the rural areas. The chall… 21 Nov 2025 HOW TO MAKE YOUR DREAM GETAWAY A REALITY WITH KIMISITU DT SACC Everyone dreams of a perfect holiday whether it is relaxing on a sandy beach, sightseeing in a new city, or reuniting with family in the rural areas. The chall…

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

Kimisitu in the news

Sacco Review · 3 Aug 2026 Kimisitu Sacco launches affordable mortgage loans for members Sacco Review · 5 Mar 2026 Kimisitu DT SACCO reports strong financial growth with assets up to Ksh12.8 billion

Stories from Kenya's co-operative press that name Kimisitu. Each opens on the publisher's site.

Need a guarantor in Kimisitu?

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 0.0% below face value
KSh 30,000
Value KSh 30,000 · 7 Sep 2026

Kimisitu: questions members ask

What is the Kimisitu Paybill number?

The Kimisitu M-Pesa Paybill number is 911200. Use ID number + product code as the account number.

How do I top up my Kimisitu shares or deposits?

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 911200, then the account. Use ID number + product code as the account number. Keep the M-Pesa message as your receipt.

How do I check my Kimisitu balance?

You can dial *503# and use the Kimisitu Money App 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 Kimisitu branch.

Does Kimisitu have mobile banking?

Yes: USSD *503# and the Kimisitu Money App app.

What is the Kimisitu contact number?

Phone: +254 709 136 000 and Email: customercare@kimisitusacco.or.ke.

What are Kimisitu's opening hours?

Monday to Friday 8 am – 5 pm.

Where are Kimisitu's branches?

Kimisitu has 1 office in Kisumu. The head office is at AEA Plaza, Valley Road, Nairobi.

How do I join Kimisitu?

You need: open bond: individuals 18+ in employment or business, corporates, chamas, registration fee KES 1,000 (first-time individual; 0 when rejoining; corporate/chama 2,000), minimum monthly deposit KES 2,000 (individual) / 10,000 (corporate, chama), share capital KES 30,000 and corporate/Chama applications to customercare@kimisitusacco.or.ke or the office. Expect a registration fee of KSh 1,000, minimum share capital of KSh 30,000 and a minimum monthly saving of KSh 2,000. You can apply online on SaccoLink and we'll send your application to Kimisitu.

What do I need to get a loan from Kimisitu?

Members on check-off must wait 3 months before borrowing; others wait 6 months. Security can be self-guarantee, guarantors, a car logbook or a land title. (Source: Kimisitu's website. Confirm with the SACCO before you apply.)

What loans does Kimisitu offer?

25 loans: Emergency Loan, Education Loan, Agricultural Loan, Development Loan, Special Development Loan, Mega Loan, Premier Loan, Personal Loan, Rental Master Plus Loan, Landlord Advance Facility, Top Up Emergency Loan, Top Up Education Loan, Top Up Development Loan, Top Up Special Development Loan, Top Up Mega Loan, Top Up Premier Loan, Asset Finance Loan, Business Loan, M-Kimisitu, Salary Advance Loan, Makao Halisi, KMRC Mortgage, Tusonge Mbele Loan, Chama Chapchap Loan and Affordable Mortgage. Most let you borrow up to 4 times your deposits. (Source: The SACCO's website. Confirm current terms with the SACCO.)

How much can I borrow from Kimisitu?

Most Kimisitu loans let you borrow up to 4 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 Kimisitu?

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

How do I leave Kimisitu or withdraw my savings?

Give Kimisitu 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 Kimisitu licensed by SASRA?

Yes. Kimisitu 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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