Imarisha Sacco Loans, Paybill, Contacts and How to Join (2026)

Updated 25 October 2026

Imarisha Sacco Society is a Kericho-based savings and credit cooperative that started in 1978 as a teachers’ Sacco and now admits professionals, farmers and business owners. It runs both a back office (BOSA), which handles deposits and long-term loans, and a front office (FOSA), which offers banking services such as salary accounts and quick advances. The Sacco says it has a network of 14 units. This guide covers how to contact Imarisha, how to join, every loan it publishes, the paybill and account codes, the *451# menu and the M-Imarisha app. All details are taken from the Sacco’s website as checked in October 2026.

Imarisha Sacco Contacts

• Postal address: P.O. Box 682-20200, Kericho.
• 24-hour call centre: 0709 578 000.
• Email: imarisha@imarishasacco.co.ke.
• M-Pesa paybill: 982100.
• USSD (Safaricom): *451#.
• Online banking: through the internet banking link on the Sacco’s website, after registering with the Sacco.

The Sacco’s website has a branch finder on its contact page. Use it or call the call centre to confirm the branch nearest you, since the finder’s list does not load as plain text.

Imarisha Sacco Opening Hours

How to Join Imarisha Sacco

You can apply online through the account opening and membership section of the Sacco’s website, or start by dialling *451#.

1. Open the membership page on the Imarisha website.
2. Fill in the form and attach the required documents.
3. Submit, then pay the entrance fee and the minimum share capital.
4. If you get stuck, call 0709 578 000.

Fees

The membership page lists an entrance fee of KSh 360 for both Class A and Class B members. It also gives a minimum share capital of KSh 30,000, but the same line describes this as 500 shares of KSh 20, which would come to KSh 10,000. Because the two figures don’t match, confirm the current share capital requirement with the call centre or the Sacco’s tariff guide before you pay.

Documents for a savings account

• National ID card.
• KRA PIN certificate.
• Passport photo, taken free when you open the account.

Imarisha BOSA Loans

Most BOSA loans are capped at three times the deposits you hold, so building deposits is the key to borrowing more. The Sacco advertises loan rates from as low as 1% a month on a reducing balance and deposit-based loans of up to five times deposits for some products. Rates for each loan are not listed product by product, so ask for the rate and total cost before you sign.

Work out what a loan would cost each month with our Imarisha loan calculator, or compare with other Saccos using the Sacco loan calculators.

Imarisha FOSA Loans and Advances

FOSA products are for members whose salary is paid through an Imarisha FOSA account. They are quicker than BOSA loans but shorter.

The website gives the short-term and long-term advance rates without saying whether they are flat or per year. Over one month, a 10% charge is expensive, so treat these advances as a last resort and compare with a normal loan first. Lenders also check your credit record, so check your CRB status before applying.

Savings Accounts

• Savings account: deposits and withdrawals at any time, with interest paid once a year. Salaries and farm proceeds can be paid in, which qualifies you for salary advances and Inua and Daraja loans. A cheque book is available on request.
• Fixed deposit: minimum KSh 20,000 for at least one month, at a negotiable rate.
• Parrot account (children): for ages 1 to 18, opened with KSh 1,000. It earns interest once the balance passes KSh 5,000, allows three withdrawals a year and has no ledger fee.
• FOSA Senior Citizen account: KSh 500 a month minimum, locked until retirement, earning yearly interest.

Not sure what BOSA, FOSA or dividends mean? Our Sacco terms glossary explains the terms.

How to Pay Imarisha Sacco Through M-Pesa

Deposit to your savings account

1. Go to M-Pesa and select Lipa na M-Pesa, then Paybill.
2. Enter business number 982100.
3. For the account number, enter your ID number (for example 12345678) or your full Sacco account number.
4. Enter the amount and your PIN, then confirm. You get an SMS from M-Pesa and another from Imarisha.

Pay a specific loan or account

To send money straight to a loan or product, put the product code in front of your ID number in the account field. For example, DE12345678 pays BOSA deposits and EL12345678 pays an emergency loan.

For general tips on avoiding wrong payments, see our guide to paying a paybill with M-Pesa.

*451# and the M-Imarisha App

Activate *451#

1. Register for mobile banking with the Sacco first.
2. Dial *451# on your Safaricom line and enter the start PIN you were sent.
3. Set and confirm a new four-digit PIN, then log in again.
4. Pick from the menu, for example option 1 to withdraw from your account to M-Pesa.

M-Imarisha app

Download M-Imarisha from the Google Play Store, register as a new member on the login page, then log in. The app lets you check balances and statements, send and withdraw money, buy airtime, repay loans and see how much you can borrow on mobile.

Member Welfare Benefits

• Welfare kitty: if a member dies, the family receives KSh 150,000, the member’s loans are written off and their deposits are doubled for the beneficiaries.
• Pongea medical kitty: helps with medical bills of up to KSh 1.2 million after personal insurance and government health cover are used up, for members referred for specialist treatment. Members diagnosed with cancer get KSh 300,000 for upkeep.

Ask for the welfare rules in writing, as contributions and eligibility conditions are not set out on the website. Before putting big sums in any Sacco, read our piece on the risks and rewards of investing in Saccos.

Job hunting to boost your savings? See the latest vacancies on JobinKenya.

Frequently Asked Questions

What is the Imarisha Sacco paybill number?

The paybill is 982100. Use your ID number or Sacco account number as the account number, or add a product code such as DE or NL in front of your ID number.

What is the Imarisha Sacco customer care number?

The 24-hour call centre is 0709 578 000, and the email is imarisha@imarishasacco.co.ke.

What is the Imarisha Sacco USSD code?

Dial *451# on a Safaricom line after registering for mobile banking.

Where is Imarisha Sacco’s head office?

The Sacco’s postal address is P.O. Box 682-20200, Kericho, and it is based in Kericho.

How much can I borrow from Imarisha Sacco?

Most BOSA loans go up to three times your deposits. New salaried members can get an introductory loan of up to KSh 200,000, and FOSA advances depend on your net salary.