Overview
Founded in 1993 to meet the financial needs of members from the Nderi Farmers Co-operative Society (dairy), Ndetika Rural Sacco (NRS) emerged from milk collection centers in Nderi, Tiebae, Karai, and Kamuguga. With a mission to empower members through savings mobilization and affordable financial services, NRS Sacco is a deposit-taking cooperative regulated by the Sacco Societies Regulatory Authority (SASRA). Boasting an asset base of KES 0.62 billion, the Sacco offers both Front Office Service Activity (FOSA) and Back Office Service Activity (BOSA) services. Its head office is located at Ondiri House, Kikuyu Town.
Who Can Join?
NRS Sacco welcomes all Kenyans, regardless of gender, ethnicity, age, or political affiliation. This inclusive policy ensures that individuals from diverse backgrounds, including those in the diaspora, can access its financial services.
Membership Requirements
To become a member of NRS Sacco, applicants must:
- Complete and sign a membership application form, available on the Sacco’s website or at any branch
- Submit a copy of a National ID
- Provide a recent passport-size photograph
- Include a copy of a KRA PIN certificate
Additional Requirements for Diaspora Members
- Submit a copy of a Kenyan passport
- Provide proof of residency (e.g., residency permit or utility bill)
There is no specified entrance fee, making membership accessible to all eligible applicants.
Membership Benefits
Joining NRS Sacco offers:
- Access to affordable loans with competitive interest rates
- Diverse savings accounts tailored to individual and group needs
- Financial empowerment through products designed for businesses, farmers, and youth
- Convenient banking via FOSA and mobile services
- Support for community-focused financial goals
Financial Products and Services
NRS Sacco provides a range of FOSA and BOSA products to support members’ financial aspirations.
FOSA Products
- Ordinary/Current Account: Everyday banking solution
- Fixed Deposit: High-yield savings with fixed terms
- SME’s Business Current Account: For small and medium enterprises
- 52 Weeks Saving Challenge: Encourages disciplined saving
- FOSA Advance Loan: Quick credit access
- FOSA Bizna: Business-focused financing
- Business Loan: For entrepreneurial growth
BOSA Products
- Share Deposit Savings Account: Savings for loan eligibility
- Share Capital Account: Member ownership investment
- Young Achievers Children Account: Savings for children
- Chama and Group Account: Collective savings for groups
- E-Loan: Digital loan product
- Jijenge Loan: For personal or business development
- Quick Fix: Short-term financing
- Emergency Loan: For urgent needs
Branch Network and Contacts
NRS Sacco operates five branches in Kiambu County to serve its members:
- Head Office
Location: Ondiri House, Next to Equity Bank, Off Kikuyu-Nderi Road, Kikuyu Town
Phone: 0724 256 190 / 0111 161 600 - Kinoo Branch
Location: Opposite Chrisco Church, Kinoo
Phone: 0111 161 604 - Wangige Branch
Location: NRS Building, Opposite Wangige Market, Wangige
Phone: 0111 161 602 - Nderi Branch
Location: Opposite Nderi Market Centre, Nderi
Phone: 0111 161 603 - Dagoretti Branch
Location: Opposite Equity Bank, Dagoretti
Phone: 0111 161 605
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