# How to Check Whether a SACCO Is Licensed or Authorized by SASRA in Kenya

> A simple 2026 guide to checking SASRA’s official lists for licensed deposit-taking and authorized specified non-deposit-taking SACCOs in Kenya.

**Category:** Safety & Due Diligence  
**Published:** 2026-09-16  
**Updated:** 2026-09-16  
**Canonical:** https://sacco.valron.co.ke/articles/how-to-check-sasra-licensed-sacco-kenya

Before sending money to a SACCO, verify the status that actually applies to the business it is offering. SASRA publishes annual public lists for regulated SACCO categories, including licensed deposit-taking societies and authorised specified non-deposit-taking societies.

## 1. Start on SASRA’s official website

Use the official SASRA domain, sasra.go.ke. Avoid treating screenshots, forwarded PDFs or third-party rankings as the final authority.

## 2. Choose the correct list

If you are checking deposit-taking SACCO business, use SASRA's licensed DT-SACCO list. For specified non-deposit-taking business, use the relevant authorised list. SASRA explains that both categories have specific legal requirements.

## 3. Use the current financial year

Status is published by year. In 2026, SASRA has a list for the financial year ending 31 December 2026. Do not rely solely on a licence image from an older year.

## 4. Match the legal name carefully

Compare the exact society name. Marketing names, abbreviations and social-media page names can differ from the registered legal name. If you are uncertain, ask the SACCO for its registration details and contact SASRA or the relevant co-operative authority for clarification.

## 5. Confirm that the service matches the status

A listing should not be interpreted more broadly than the regulated activity it covers. For example, a claim to offer deposit-taking business should be checked against the deposit-taking licence list.

## What if you cannot find the SACCO?

Do not jump to a conclusion based on one search. Check spelling and the relevant category, ask the SACCO for its legal registration details, and verify through official channels before transacting. Some co-operatives may not fall into the same SASRA-regulated category, but they still should be able to explain their legal and regulatory status accurately.

## Frequently asked questions

### Where can I find the 2026 SASRA SACCO list?

SASRA publishes the current lists on its official website under licensed and authorised SACCO resources.

### Is a registration certificate the same as a SASRA licence?

No. Co-operative registration and authorization or licensing for specific regulated SACCO business are distinct concepts.

### Should I trust a SACCO licence posted on social media?

Use it only as a prompt to verify. Confirm the current status on SASRA’s official website or through the appropriate regulator.

## Official sources and further reading

- [SASRA – 2026 Licensed & Authorized SACCO list](https://www.sasra.go.ke/download/list-of-licensed-and-authorized-sacco-societies-in-kenya-for-the-financial-year-ending-31st-december-2026/)
- [SASRA Licensed DT-SACCOs](https://www.sasra.go.ke/licensed-dt-saccos/)
- [SASRA Authorized Non-Withdrawable Deposit Taking SACCOs](https://www.sasra.go.ke/authorized-nw-dt-saccos/)

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