Self-service platforms

Members can access their SACCO records in real-time through any of the platforms below:

1. Dial *882# to view your account balances and/or apply for M-cash loan (safaricom line only)
2. Login to members portal via Click Request Password to get a new one via sms/email - this will act as your old password when prompted to change.
3. Download Xmobi Customer app (on Google play store) and setup your account as indicated below
a. Tap Settings, under Default bank, select Balozi Sacco. Enter your ID number and save settings
b. Tap Request Password/Register Device, use the cellphone option (local) or email option (members outside the country), enter your number or email address and click request password. You will receive an sms/email with a verification code - sms will be auto-verified while for emails, you will be required to enter the code in the manual verification field. A new pin will be generated upon verification.
c. Change the provided pin (change password option) to complete the registration process.
d. Select customer statement to view detailed information on your account. Other available options are guarantor, guarantees and dividends statements, m-cash loan application.

Collateral as security

Members can use their assets as security for their loans.

Product Name: Collateral loan
Maximum Amount: Kshs. 30M
Repayment Period: 84 months
Interest Charged: 1.05% per month on reducing balance
Security: Title deed of commercial land/building or agricultural land
Incidental cost: All incidental costs are borne by the loan applicant before the loan is processed (eg. legal fees, valuation charges)
Other factors: Amount granted will be based on the 2/3 rd of salary and 70% or 50% of the mortgage value of the security given


Credit Reference Bureau (CRB)

The CRB companies are organizations authorized by the Laws of Kenya to share details of defaulters with all financial Institutions operating within the Republic of Kenya. The SACCO has been forwarding the details of members' who fail to service their loans (defaulters) to this Institution (CRB).

The effects of this action on members include but not limited to:

  • Information about members credit worthiness will be available to all financial institutions within the Republic of Kenya.
  • The members with bad credit records (defaulters) shall lose the opportunity of borrowing from any financial Institution in the Republic of Kenya.

 Note: Please ensure you update your records regularly.

Office to Let

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We are letting out two of our office spaces as per the details below:
Size: 1,130 sq. ft and 1,187 sq. ft.
Location: 3rd Flr, Golf View Suites, Wambui road - Muthaiga

Contact our office for more details and/or viewing

Lipa na M-PESA


Send your savings contributions and/or make loan payments through M-pesa using the above pay bill number.

How to make payment

  1. On your phone menu, go to SIM Toolkit>M-pesa>Lipa na M-pesa>Pay Bill option
  2. Enter business no: 855600
  3. Enter account no: type your membership number and the product code
  4. Enter amount
  5. Enter M-pesa pin
  6. Confirm the payment details and press OK.

You will receive an Mpesa notification alert that the payment has been sent to Balozi Sacco Ltd and thereafter an instant payment notification from BALOZISACCO when your account is updated.


Click here to view products code

Review of SACCO products



We wish to inform you that the SACCO has reviewed its loan products as below:

(a)    Products which have been discontinued:

Boresha plus, Normal plus, Super plus and Ujenzi

(b)    New and repackaged products:


Old rate

New rate

Repayment period (Months)

Insta Plus
















Special *




* Other features for Special loan

  • Member to present a letter of separation from the former employer.
  • Only members without formal employment will be eligible for the product.
  • The loan is used for amalgamating/rescheduling existing loan(s).
  • No banding requirement, therefore, the minimum deposit is Ksh. 4,000.

* Other features for M-cash loan

  • Maximum amount is three times the average deposit contributions for the last 3 (three) consecutive months or Ksh 100,000 whichever is lower.


  1. Terms and conditions for the loans not in the table above remain the same
  2.  Existing loans will continue running at the current rate and duration
  3. All other loan requirements apply.

Effective date for the above changes:  1st June 2020

Yours Faithfully,

Jorim Oyago

General Manager

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Contact Us

Location: Golf View Suites, 3rd Floor, Muthaiga
along Wambui road, off Kiambu/Thika road
Postal address: P.O. Box 11539-00400, Nairobi.
Tel:  +254 (020) 2211600
Cell: +254 (0) 720 833326 / 733 967707



Copyright 2021 : Balozi Co-operative Savings & Credit Society Ltd