0718 423 941 info@ramcogroupsacco.co.ke KCB Building, 6th Floor, Garage Road, Industrial Area, Nairobi
Member Portal FAQs

Savings Products

Three ways to save with RAMCO Group SACCO - each building your financial security and loan eligibility.

Share Capital

Ownership

Build ownership in the SACCO and earn annual dividends. Share Capital represents a member's ownership in the SACCO - it is a long-term investment that helps strengthen the SACCO's financial position.

Minimum Shares
200 shares
Price Per Share
Kes 100
Minimum Investment
Kes 20,000
Refundable?
No - non-refundable
Returns
Annual dividends
Requirement
Mandatory for all members

Dividends are determined based on the Society's annual financial performance and approved by members at the Annual General Meeting (AGM). The SACCO board may review the minimum share requirement from time to time.

Savings / Deposits

Growth

A regular savings account that helps members build wealth and qualify for loans. Deposits also act as security for any loans borrowed.

Minimum Contribution
Kes 3,500 / month
Consistency
Must be consistent monthly to qualify for a loan
Loan Eligibility
Up to 3× your deposits
Returns
Annual interest
Refundable?
Yes - on withdrawal/exit
Security Role
Acts as loan security

Christmas Savings

Seasonal

A dedicated savings plan designed to help members prepare for festive season expenses, refunded every December.

Minimum Contribution
Kes 500 / month
Consistency
Must be consistent monthly
Returns
Annual interest
Refund
Every December
Investment Opportunities

Your savings can work harder

Both Share Capital and Deposits double as investment vehicles - earning annual dividends or interest as declared by the SACCO at the AGM, while also increasing your borrowing capacity.

Start saving with RAMCO Group SACCO today

Membership takes just a few documents and a modest registration fee.