Govt Names All Licensed and Authorised Saccos in 2026

The Sacco Societies Regulatory Authority (SASRA) has published the official list of licensed and authorised Sacco societies in Kenya for the financial year ending December 31, 2026.

In a Gazette notice dated January 23, 2026, Acting SASRA Chief Executive Officer David Sandagi said the authority has licensed 176 Saccos to conduct deposit-taking (FOSA) business for the 2026 financial year.

These Saccos are listed under Schedule I of the Gazette notice and are authorised to receive deposits from members.

Some of the well-known deposit-taking Saccos appearing on the list include Mwalimu National Sacco, Stima Sacco, Kenya Police Sacco, Harambee Sacco, Unaitas Sacco, and Safaricom Sacco.

176 non-deposit-taking Saccos authorised

A further 176 Sacco societies have been authorised to operate as non-deposit-taking institutions (BOSA only) and are listed under Schedule II.

Among the notable Saccos authorised under this category are Afya Sacco, Nation Sacco, Imarika Sacco, Yetu Sacco, and Sheria Sacco. These institutions are permitted to offer specified Sacco services but are not allowed to receive withdrawable deposits.

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SASRA also issued conditionally restricted licences to five Sacco societies, as detailed under Schedule III. The affected Saccos include Dumisha Sacco, Bi-High Sacco, Metropolitan National Sacco, Ol’Kaunsel Regulated Non-WDT-Sacco, and Digital Media Regulated Non-WDT-Sacco.

The five are limited strictly to credit-only operations and are prohibited from accepting new or additional deposits during the licensing period.

Under Schedule IV, SASRA lists Nufaika Sacco Society Limited, whose licence automatically expired on December 31, 2025, after it voluntarily ceased deposit-taking operations following a merger with another Sacco.

The institution is barred from conducting any Sacco business from January 1, 2026, pending deregistration and liquidation.

Meanwhile, Schedule V contains PESA Sacco Society Limited, which SASRA said failed to apply for renewal of its authorisation certificate before the December 31, 2025, deadline.

In line with the regulations, its authorisation automatically lapsed, and the Sacco is now barred from undertaking any regulated Sacco business in Kenya from January 1, 2026.

The complete lists of Saccos licensed for deposit-taking business, authorised for non-deposit-taking operations, issued with restricted licences, deregistered following mergers, or struck off for failure to renew can be accessed here: [SASRA List of Licensed and Authorised Sacco Societies for 2026]

SASRA cautions Kenyans

SASRA has further cautioned members of the public to verify the licensing and authorisation status of Sacco societies before depositing funds or engaging in any Sacco-related transactions, stressing that only institutions listed in the Gazette are legally permitted to operate in 2026.

The authority warned that it is a criminal offence, punishable under the Sacco Societies Act and its accompanying regulations, for any person or entity to conduct or participate in deposit-taking or specified non-deposit-taking Sacco business with a Sacco society that is not duly licensed or authorised by SASRA.

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SASRA also noted that any individual, organisation, or company that transacts with an unlicensed or unauthorised Sacco does so at their own risk and peril, with no regulatory protection.

In addition, all licensed and authorised Sacco societies are legally required to prominently display their original licence or authorisation certificate at their registered head offices and to display copies of the certificates at all branches and places of business.

“THAT every licensed or authorized Sacco Society is required by law to all times, display the original license or authorization certificate (as the case may be) in conspicuous place at their registered Head Offices, and a copy license or authorization certificate (as the case may be) at all other licensed or authorized branches and places of business.”

The regulator further directed public- and private-sector institutions, including employers and service providers, to cease facilitating unlicensed Saccos through salary deductions, remittances, or the provision of electronic and digital transaction channels.

SASRA also prohibited regulated Sacco societies from placing or investing members’ funds in unregulated entities or engaging in non-core or prohibited business activities, and ordered that any such existing investments be recalled immediately.

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