Verified 12 September 2026

Imarika Sacco Kenya (2026)

By James Mwangi · SACCO hub · Kilifi County

Imarika Sacco is a large SASRA-licensed deposit-taking SACCO headquartered in Kilifi, one of the biggest at the Coast, originally rooted in the region's public service and now open to the general public. You deposit and repay through M-PESA using its paybill, with your member number as the account.

Deposit and repay via M-PESA

Lipa na M-PESA, Pay Bill, the confirmed Imarika paybill, your member number as the account, amount, PIN. Public sources list conflicting paybills for Imarika (numbers including 4404404, 350050, 802200 and 525252 appear online), so confirm the current paybill on Imarika's official channels or your own verified directory before relying on it.

Dividends and interest on deposits

Dividends are declared at the AGM each year, paid to your account, with dividend advance offered in some years. Confirm the specific rate and payout date against Imarika's AGM circular; unverified numbers online are unreliable.

Loans and products

Typical SACCO multiplier of 3x to 5x savings across development, emergency and business products. Requires guarantors and a qualifying period.

How to join

ID, KRA PIN, photos, entry fee and minimum share capital, guarantors, qualifying period. Head office: Imarika Plaza, Kilifi, Kilifi County. Phone and email: confirm on Imarika's official channels.

Frequently asked

Is Imarika SASRA-licensed?

Yes, a licensed deposit-taking SACCO for 2026.

What is the paybill?

Confirm the current number, public listings conflict.

Can anyone join?

Yes, it is open to the general public.

Verified 12 September 2026. Independent guide, paybillke is not affiliated with the SACCO. Share capital is not withdrawable on demand and carries guarantor and liquidity risk. Confirm paybill numbers, dividend rates and contacts against the SACCO's own channels.