Afya SACCO is an apex Tier-1 Deposit-Taking SACCO in Kenya, primarily established in 1971 by twenty Ministry of Health employees. Over more than five decades, it has grown exponentially to cater to workers across the entire medical and health sector—including the Ministry of Health, national and county referral hospitals, private hospitals, NGOs, pharmacy techs, and health-related learning institutions.
With an expansive membership exceeding 50,000 and a massive asset base, Afya SACCO provides tailored welfare, savings, and credit facilities designed around the unique professional and lifestyle cycles of healthcare workers. It is licensed and strictly regulated by the SACCO Societies Regulatory Authority (SASRA).
Afya Sacco’s Quick Facts
| SACCO Official Name | Afya Sacco |
| Primary Target Sector | Health Sector |
| Head Office | Nairobi |
| County | Nairobi |
| Postal Address | P.O. Box 11607-00400 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 22.79 |
| Total Deposits (Ksh B) | 17.41 |
Afya Sacco’s Key Information
| Feature | Details |
| Official Name | Afya Co-operative Savings and Credit Society Limited |
| SASRA Status | Licensed Deposit-Taking SACCO (Tier 1) |
| M-Banking USSD Code | *667# or *386# (Afya Mobile) |
| M-Pesa Paybill | 511502 |
| Minimum Share Capital | Ksh 20,000 (Statutory minimum) |
| Minimum Monthly Deposit | Ksh 1,500 |
| Head Office | Afya Centre, Tom Mboya Street, Nairobi |
Afya Sacco’s Core Products & Services
Afya SACCO’s product suite splits into traditional Back Office (BOSA) long-term accumulation plans and Front Office (FOSA) transactional services.
1. BOSA Development & Investment Loans
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Normal / Development Loan: Granted up to 3 times a member’s BOSA deposits with a repayment period of up to 48 or 60 months. It features competitive interest rates on a reducing balance.
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Super Loan: Designed for heavy capital investments (e.g., land purchase, commercial construction), offering higher borrowing multipliers up to 4 times deposits over an extended 72-month tenure.
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Emergency & School Fees Loans: Fast-tracked facilities meant to address sudden financial obligations (medical emergencies, school tuition). They feature rapid turnaround times and a short repayment window of 12 to 24 months.
2. FOSA Banking & Short-term Credit
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Afya FOSA Salary Account: A transactional clearing account for healthcare workers to process their regular salaries. This acts as the anchor for accessing instant mobile advances.
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Salary Advance: Short-term credit matching up to 3 months of the member’s net salary, cleared through consecutive payroll deductions.
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Asset & Dividend Advance: A facility allowing members early access to cash liquidity backed either by their impending annual dividend earnings or for direct asset purchase financing.
3. Dedicated Member Welfare (Benevolent Fund)
Because it serves frontline health professionals, Afya SACCO has a highly structured welfare scheme funded by small, mandatory monthly contributions. It handles risk mitigation, ensures outstanding loans are cleared in the event of permanent disability or death, and provides structured last-expense support to immediate dependents.
Afya Sacco’s Membership Requirements
While historically exclusive to medical practitioners, Afya SACCO has refined its common bond policy to accommodate broader health-ecosystem actors. Requirements include:
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Be a healthcare worker (public or private), medical student, or employee of health-adjacent organizations/NGOs.
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Copy of National Identity Card or valid Passport.
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Copy of KRA PIN Certificate.
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Completed Membership Application Form (physical or via the online portal).
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Entrance fee of Ksh 1,000 alongside commitment to clear the Ksh 20,000 share capital threshold (which can be built up gradually).
Afya Sacco’s Branch & Representative Network
Afya SACCO has strategically positioned branches across key regional medical hubs in Kenya to offer decentralized physical support:
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Nairobi Region: Afya Centre (HQ), Kenyatta National Hospital (KNH) Branch.
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Regional Branches: Mombasa, Kisumu, Nakuru, Eldoret, Nyeri, Kakamega, Meru, and Kisii.
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Customer Care Hotline: +254 20 2211511 / +254 722 203 540
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Official Web Portal: www.afyasacco.co.ke
Frequently Asked Questions on Afya Sacco
Here is a detailed breakdown of the Frequently Asked Questions (FAQs) regarding Afya Sacco, one of Kenya’s premier Tier-1 Deposit-Taking SACCOs primarily serving healthcare sector workers and open bond members.
1. Frequently Asked Questions on Afya Sacco on Membership & Registration
Who can join Afya Sacco?
While Afya Sacco was founded to serve employees in the medical and health sectors (Ministry of Health, national and county hospitals, private facilities, and NGOs), membership has been opened up to the general public. It accepts:
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Medical professionals and health workers.
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Civil servants and state officers.
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Salaried employees in private corporations.
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Business owners/Self-employed individuals.
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Spouses and children of existing members.
What are the individual account opening requirements at Afya Sacco ?
To register and open an account, you must submit:
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A fully completed Individual Membership Application Form.
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A copy of your Kenyan National ID or a valid Passport.
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A colored passport-size photograph.
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A copy of your KRA PIN Certificate.
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A joining fee of KES 1,000.
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A minimum initial deposit of KES 5,000.
What is the minimum Share Capital requirement for Afya Sacco Members?
The minimum statutory Share Capital per member is KES 20,000, which can be paid in full upfront or cleared in flexible installments. Share Capital represents your institutional equity, earns annual dividends, and is non-withdrawable but transferable to another member if you leave the society.
2. Frequently Asked Questions on Afya Sacco on Savings & BOSA Deposits
What is the distinction between my deposits and my FOSA savings at Afya Sacco ?
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BOSA Deposits (Non-Withdrawable Savings): These are regular monthly contributions used as the core multiplier for credit facilities and as loan collateral. They can only be accessed upon your formal exit from the SACCO and earn annual interest.
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FOSA Savings (Withdrawable/Transactional Accounts): These function like normal bank accounts for salary processing, daily withdrawals, fixed deposit placements, and mobile banking transactions.
What is the Afya Benevolent Fund (ABF) provided to Afya Sacco Members?
The Afya Benevolent Fund is a mandatory insurance scheme built into the membership structure. It acts as a safety net to cover final funeral expenses for the contributor, their legal spouse, and dependent children up to a designated age limit.
3. Frequently Asked Questions on Afya Sacco on Loans, Multipliers, and Eligibility
What is the standard loan multiplier at Afya Sacco?
For primary BOSA and long-term development loans, members can generally borrow up to 3 to 4 times the value of their accumulated non-withdrawable deposits.
How long must I save to qualify for a loan?
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3 Months: The minimum active contribution history required to qualify for short-term/mobile advances (e.g., Amsha-Huduma Loan).
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6 Months: The continuous saving timeline needed to qualify for standard long-term development or development-plus credit facilities.
What forms of security are accepted for credit applications at Afya Sacco?
Afya Sacco relies on standard credit-mitigation options, including:
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Guarantorship: Fellow SACCO members whose deposits are free and unencumbered.
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Collateral: Alternative assets such as land title deeds, registered motor vehicle logbooks, or fixed deposit placements.
Are there penalties for clearing a loan early for a credit facility at Afya Sacco?
No. Members who choose to make lump-sum payments to offset or clear their outstanding loan balances ahead of schedule are not charged future period interest or early-settlement penalties.
4. Frequently Asked Questions on Afya Sacco on Mobile Banking & USSD Channels (Afya Mobile 24/7)
What is the official Afya Sacco Paybill and USSD code?
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M-Pesa Paybill Number:
507400 -
USSD Code:
*667*2#
How do I send money directly to my Afya Sacco account via M-Pesa?
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Open your M-Pesa menu and select Lipa na M-Pesa > Paybill.
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Input the Afya Sacco Business Number:
507400. -
Use your SACCO Membership Number as the Account Number.
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Input the amount, enter your M-Pesa PIN, and send. (Note: Payments usually reconcile and update on your member portal within 24–48 hours).
What can I do on the Afya Sacco’s 6672# mobile platform?
The upgraded Afya Mobile 24/7 platform allows you to:
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Withdraw funds directly from your FOSA account to your mobile wallet.
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Check your real-time account balances and request mini-statements.
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Apply for digital mobile micro-loans and short-term advances.
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Repay outstanding mobile loan balances seamlessly.
Is Afya Sacco Registered by SASSRA?
Yes. The Sacco is registered by the SACCO Societies Regulatory Authority (SASRA) as a Deposit Taking Sacco.
What is the Afya Sacco’s Tier?
The Sacco is registered by the Sacco is registered by the SACCO Societies Regulatory Authority (SASRA) as a Tier 1 Sacco.
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