Kenya National Police DT Sacco: Frequently Asked Questions (FAQs)
The Kenya National Police DT SACCO is one of Kenya’s largest and most established savings and credit cooperative societies. Founded in 1972, the SACCO caters to members of the police service, corporate entities, chamas, and individual members of the general public.
Kenya National Police DT Sacco’s Quick Facts File.
| SACCO Official Name | Kenya National Police Sacco |
| Primary Target Sector | Police & Security |
| Head Office | Nairobi |
| County | Nairobi |
| Postal Address | P.O. Box 51035-00200 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 59.83 |
| Total Deposits (Ksh B) | 34.51 |
1. Kenya National Police DT SACCO’s Frequently Asked Questions on Membership & Registration
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Who can join the Kenya National Police Sacco?
Membership is open to the public. While originally for the National Police Service, it now welcomes:
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Active and retired Regular and Administration Police officers.
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All civil servants and salaried employees.
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Members of the business community.
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Spouses or children (18+ years) of existing members.
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Diaspora members.
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What are the requirements for joining Kenya National Police DT SACCO ?
To register, you need:
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A fully filled membership application form.
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A copy of your National ID or valid Passport (both sides).
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Two recent color passport-size photographs.
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A non-refundable registration fee of KSh 2,000.
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Minimum Share Capital contribution of KSh 20,000 (can be paid in installments).
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2. Kenya National Police DT SACCO’s Frequently Asked Questions on Savings & Deposits
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How much must I contribute monthly to Kenya National Police DT SACCO ?
For members under the check-off system, monthly BOSA deposits are generally pegged at 12% of your basic salary. Business and individual members can set a regular contribution amount, often starting from a minimum of KSh 1,000 for specific investment accounts.
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Is my Share Capital to Kenya National Police DT SACCO refundable?
No. Like most Saccos, Share Capital is non-refundable. If you exit, you can only transfer or sell your shares to another existing member.
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What is the 52-Week Savings Challenge in Kenya National Police DT SACCO ?
The Sacco runs an annual “52-Week Savings Challenge” (active for 2026) where members can automate weekly savings via the M-Pesa Ratiba service or USSD, helping build financial discipline with steady, incremental deposits.
3. Kenya National Police DT SACCO’s Frequently Asked Questions on Loans & Credit Facilities
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How much can I borrow from Kenya National Police DT SACCO ?
Most BOSA loans allow you to borrow up to 5 times your total deposits. For Business/Enterprise loans, you can qualify for up to 10 times the savings in your business account, provided you meet the collateral requirements.
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What are the key loan products and interest rates at Kenya National Police DT SACCO ?
The Sacco offers a wide variety of tiered loan products:
| Loan Type | Repayment Period | Multiplier | Interest Rate (p.a. Reducing Balance) |
| Normal Loan | 48 Months | 5x Deposits | 12% |
| Mega Loan | 84 Months | 5x Deposits | 14% |
| Super Loan | 72 Months | 5x Deposits | 14% |
| Jumbo Loan | 108 Months | 5x Deposits | 15.6% |
| Premier Loan | 96 Months | 5x Deposits | 15% |
| Emergency/School Fees | 12–24 Months | 5x Deposits | 12% |
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Does Kenya National Police DT SACCOoffer Sharia-compliant products?
Yes. The Muslim Loan and Muslim Emergency Loan are available with 0% interest. Instead, a one-off commission of 7% is charged at disbursement. Note: Members using these products are not eligible for annual dividends.
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Can I boost my deposits to get a larger loan from Kenya National Police DT SACCO?
Yes. You can boost your deposits via cash payment or by applying for a specific “Refinancing Loan” to increase your borrowing power immediately.
4. Kenya National Police DT SACCO’s Frequently Asked Questions on Dividends & Returns
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What kind of returns can I expect from Kenya National Police DT SACCO?
Kenya National Police Sacco is historically one of the highest-paying Saccos in Kenya, frequently winning “Best Managed Sacco” and “Highest Dividend” awards at Ushirika Day celebrations. While rates vary yearly, they consistently offer competitive double-digit returns on both Share Capital and Deposits.
5. Kenya National Police DT SACCO’s Frequently Asked Questions on Digital Banking & Payments
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How do I access mobile banking at Kenya National Police DT SACCO?
The Sacco uses the M-Tawi platform.
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USSD Code: Dial *653# to register or transact.
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Mobile App: The M-Tawi App is available on the Play Store and App Store.
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What is the Paybill number for deposits for Kenya National Police DT SACCO?
The official M-Pesa Paybill is 4027903. Use your National ID or Member Number as the account name depending on the specific contribution type.
6. Kenya National Police DT SACCO’s Frequently Asked Questions on Withdrawal & Exit
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How do I leave Kenya National Police DT SACCO?
You must provide a 60-day written notice. Your deposits will be used to offset any outstanding loans you have or any loans you have guaranteed for others. Once cleared, the remaining balance is refunded to you.
7. How can I contact Kenya National Police DT SACCO?
- Mobile Contact: 0709825000
- Email Address: [email protected]
8. What are the Kenya National Police DT SACCO’s Website and Portals?
- The Kenya National Police DT SACCO’s Website: https://policesacco.com/
- The Kenya National Police DT SACCO’s Membership Portal:
- The Kenya National Police DT SACCO’s Membership Application Form: https://policesacco.com/kpsdownloads/1044/?tmstv=1705074639
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