Set it once, and M-Pesa sends money to Ndege Chai by itself every day, week or month. No need to remember.
You can change or stop it any time on *334# under M-Ratiba. Keep enough in M-Pesa on the day it runs.
Branch list not added yet. Add a branch you know.
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.From The SACCO's website, 27 October 2026. Rates and terms change: confirm with Ndege Chai before you apply.
We haven't recorded Ndege Chai's risk fund, loan cover or welfare benefits yet. Know them? Tell us.
| Year | Dividend | Interest on deposits | Total assets | Source |
|---|---|---|---|---|
| FY2025 | 18.5% | 10% | — | Ndege Chai Sacco Hits Historic Ksh 1B Revenue, Declares 18.5% Dividends (Co-op News) |
| 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, reported in the press, or shown on members' dividend payslips. Past dividends don't guarantee future ones.
Work out my Ndege Chai dividendFrom Ndege Chai's own website, checked daily. Each opens on the SACCO's site.
Stories from Kenya's co-operative press that name Ndege Chai. Each opens on the publisher's site.
Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.
Open the guarantor boardThe 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 FY2025, Ndege Chai paid 18.5% on share capital and 10% interest on deposits (source: Ndege Chai Sacco Hits Historic Ksh 1B Revenue, Declares 18.5% Dividends (Co-op News)). Rates are set each year at the AGM, so future rates may differ.
8 loans: Normal Loan, Additional Loan, Emergency Loan, Boda Boda Loan, Jipange Loan, Avocado Loan, Maziwa Loan and Green Energy Loan. Most let you borrow up to 3 times your deposits. (Source: The SACCO's website. Confirm current terms with the SACCO.)
Most Ndege Chai loans let you borrow up to 3 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.
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.
Fill in a short form and we send it to the SACCO. Free.
Apply to join Find a guarantor Buy sharesWork at Ndege Chai?
Manage this page: contacts, hours, M-Pesa codes and dividend rates, and see who applied to join.
Manage this page
SaccoLink