Choose the SacComply plan tailored to your SACCO's regulatory scale — from community NWDTs to multi-branch Deposit-Taking institutions.
For smaller Non-Withdrawing SACCOs establishing continuous compliance.
KES 150,000 billed annually
Included capabilities:
Full automated F1–F11 returns, risk early warnings, and evidence vault.
KES 350,000 billed annually (Save KES 70,000)
Everything in Starter, plus:
For large SACCOs with multiple branches, complex GLs, and boardroom governance.
KES 750,000 billed annually
Everything in Pro, plus:
Connect SacComply with your GL pipelines via secure mTLS REST APIs and webhooks. Automatically stream loan ledger movements, provision schedules, and trigger monthly Form 1–11 audits directly from your CI/CD or core banking cron jobs.
INGESTION LATENCY
< 150ms
ENCRYPTION STANDARD
AES-256 GCM
UPTIME GUARANTEE
99.99%
{
"sacco_id": "sac_harambee_dt_01",
"period": "2026-08-31",
"forms": ["F1", "F2", "F4", "F7", "F9"],
"capital_adequacy": {
"core_capital_ratio": "14.8%",
"statutory_min": "10.0%",
"status": "COMPLIANT"
},
"sha256_hash": "e3b0c44298fc1c149afbf4c89..."
}Read API documentationExpand Starter and Pro plans with dedicated governance and AI assistants.
KES 15,000–30,000/month depending on scope — quoted per SACCO
Detailed breakdown of regulatory returns, risk modules, and governance features.
| Features & Modules | Starter | Pro | Enterprise |
|---|---|---|---|
| Prudential Returns & SASRA Forms (F1–F11) | |||
SASRA 15th Statutory Calendar & Deadlines Automated countdowns and alerts for the monthly statutory deadline. | |||
Form 1 (Capital Adequacy) & Form 2 (Liquidity) Automatic computation of Core Capital and Liquidity ratios with regulatory thresholds. | |||
Form 4 (Loan Portfolio & Provisioning Classification) Automated aging into Performing, Watch, Substandard, Doubtful, and Loss. | Summary | ||
Full SASRA Suite (Forms 1–11 + Form 9 Investment) Complete monthly and quarterly prudential returns generator ready for SASRA submission. | |||
One-Click Form XML / CSV & PDF Dossier Export Cryptographically hashed report dossiers formatted for SASRA submission portal. | |||
| Risk Monitoring & Early-Warning Engine | |||
Capital Adequacy & Core Capital Early Warnings Real-time alerts when Core Capital to Total Assets approaches the 10% statutory floor. | |||
Liquidity Deficit & Cash Flow Projections Monitors statutory 15% liquid assets ratio against daily deposit withdrawals. | |||
Insider Lending & Related Parties Registry Clause 490B checks ensuring staff and director loans do not breach statutory caps. | |||
Stress Testing & Dynamic Macro Shock Modeling Simulates severe NPL spikes and liquidity strain on capital reserves. | |||
| Data Ingestion & Core Banking Connectors | |||
Manual Assessment & Sample Returns Calculator Interactive sandbox to test formulas with sample balance sheets. | |||
Excel / CSV Template Upload & Auto-Validation Drag-and-drop general ledger and loan book sheets with instant schema linting. | |||
Direct Core Banking Pipeline (Banker360, Temenos, Finacle) Direct read-only database and API integration with scheduled overnight sync. | 1 System | 3 Systems | Unlimited |
Automated Data Reconciliation & Glitch Detection Automatically flags discrepancies between loan ledgers and balance sheet GL codes. | |||
Real-time Webhook Triggers & REST API Access Programmatic return triggering and metric ingestion via API. | Basic | ||
| LINA AI Copilot & Regulatory Intelligence | |||
SASRA Act & Prudential Guidelines Knowledge Engine Indexed Kenya Gazette notices, SASRA guidance circulars, and Sacco Societies Act. | |||
LINA AI Regulatory Copilot (Clause-level Q&A) Instant answers to complex statutory classification and compliance audit queries. | Add-on | Add-on | |
Automated SASRA Inspection Dossier Generation Generates comprehensive pre-inspection evidence folders ready for auditors. | |||
| Governance, Security & Audit Trail | |||
Authorized Officer Seats Number of compliance officers, auditors, and managers with dedicated logins. | 3 Seats | 10 Seats | Unlimited |
Boardroom & Supervisory Committee Read-Only Portal Executive dashboard view for non-executive directors and supervisory committee. | Add-on | ||
Immutable SHA-256 Return Audit Trail Cryptographically seals return snapshots with tamper-evident blockchain verification. | 30-day | 24-month | 7-Year Archive |
Kenya Data Protection Act (KDPA) Compliance & Local Encryption 256-bit AES data encryption at rest and in transit adhering to Data Protection Act 2019. | |||
Single Sign-On (SAML / SSO) & IP Allowlisting Enterprise authentication controls and mTLS IP restriction for bank-grade perimeter security. | |||
| Support & SLA | |||
Support Response Channel Dedicated channel for technical questions and regulatory queries. | Standard Email | Priority Email & Chat | 24/7 Dedicated Rep |
Dedicated SASRA Compliance Specialist Assigned regulatory expert for quarterly return reviews. | |||
Service Level Agreement (SLA) Guaranteed uptime and statutory return availability commitments. | 99.0% | 99.9% | 99.99% Custom |
Everything you need to know about SacComply integration, SASRA returns, and security.
Join Kenyan DT and NWDT SACCOs automating capital adequacy, liquidity, and Form 1–11 filings with full evidence defensibility.