We save since we can't predict the future. If we could we would know precisely how much more we would need for the things that we want and need in the future, whether it's financial security, an emergency safety net, or the ability to pursue dreams without worry. Here's why it's crucial:
To be a world class Sacco providing timely economic and social services to the members.
To be the institution that will provide members with financial solutions through saving and credit.
Rambhai SACCO was established in 1986 by twelve members who saw the need for reliable savings and credit facilities. Almost forty years on, we have grown to 412 members, while staying true to that founding idea, save together, lend fairly, and grow as a community.
Everything below is B.O.S.A, Back Office Service Activity, with the same idea running through it, clear terms, published openly, so you always know exactly what you're signing up for.
Your core savings. These are what back you when you guarantee a loan, for yourself or another member.
Savings for children, earning a rebate interest each year, so their future starts with something already growing.
For land, construction, and any project that adds long-term value to your life.
School fees and further studies, released in time for opening day, not after it.
Fast-tracked for the moments that don't wait for a normal approval cycle.
For household goods, appliances, and the things that make daily life easier.
Short-term and seasonal, so December doesn't have to strain the rest of your year.
If your normal loan has under 3 months of repayment left, you can top it up.
We are not a bank chasing volume. We are member-owned, which means every decision, from interest rates to how quickly we process a loan, is made with your interests first, not a shareholder's.
Every member has a voice and a share in how Rambhai is run, not just a savings account.
Every rate and repayment schedule is published openly, so you know exactly what you are signing up for.
No long queues or unexplained delays, just a straightforward application and honest turnaround times.
From Christmas loans to education support, our products are built around real life in Kenya, not generic banking templates.
Fill in a membership application form, make a one-time registration payment of KES 500, and start your monthly minimum deposit of KES 3,000. You are a member from the moment your first deposit clears.
You need to have been an active, saving member for at least six months before you qualify for most loan products. This builds the deposit base that guarantees your loan.
A completed loan application form, a national ID copy, your latest deposit statement, and guarantor details where required. Specific loan products may ask for a little more, our staff will guide you.
Yes. We are registered and regulated under SASRA, Kenya's Sacco Societies Regulatory Authority, and our books are audited annually.
Regular deposits can be withdrawn subject to the Society's notice requirements. Deposits held as loan guarantee cannot be withdrawn until the related loan is fully repaid.
No. All our loans are charged on a reducing balance, so paying off early only ever saves you money, never costs you extra.
Savings
Small, consistent deposits beat big irregular ones. Here is how our members build savings that survive the tough months too.
Read article
Loans
A plain-language walkthrough of guarantor requirements, deposit thresholds, and how repayment periods are decided.
Read article
Education
A simple approach to timing your Education Loan application so funds land before opening day, every term.
Read articleMy Development Loan was approved faster than I expected, and every fee was explained upfront. No surprises, which is rare these days.
Tausi Savings has been the easiest way to build something for my daughter's future. The rebate interest at year end feels like a real reward.
What sold me on Rambhai was the honesty. My loan officer walked me through the reducing balance calculation line by line before I signed anything.
