UMODZI SACCO

Accomplish My Financial Dreams

Join our member-owned cooperative and access a range of financial services tailored to help you achive your dreams

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10K+ Members

4B+ in Assets

4 Branches

10+ Products

Who We Are

About Us

Founded on the values of cooperation and community, Umodzi SACCO Limited is a member-owned financial cooperative based in Lilongwe, Malawi. We serve both payroll-based and non-payroll members, offering a range of tailored financial services that empower individuals, families, and businesses to achieve their financial dreams. As a SACCO (Savings and Credit Cooperative Organization), we prioritize the well-being of our members over profits, ensuring that our services are always designed with you in mind.

Umodzi SACCO operates under the oversight of the Malawi Union of Savings and Credit Cooperatives (MUSCCO) and is regulated by the Reserve Bank of Malawi. Our commitment to compliance and transparency means you can trust that your finances are in safe hands.

We deliver accessible and affordable financial services

A trusted partner in financial empowerment

Member-Centric

Transparency and Integrity

10 Products

10000 Members

4000000000 Assets

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Call Us Today +265 885 567 591

Services & Products

Services and products that catter for all your needs

Loans

Access affordable loan solutions to meet your personal or business needs, with flexible repayment terms that work for you; Normal, Business, School fess, Kumanga, Fertilizer, Group, Emergency, Pasavute and Pay-day loan

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Savings

Secure your future with our attractive savings plans designed to help you grow your wealth over time; Ordinary Savings, Fixed deposit, Ordinary Shares, Christmas savings and Children Savings

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Become a part of our cooperative by investing in our share products, offering you a stake in our success.

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Ready to Start?

Join us today and become part of a strong, trusted SACCO that puts your financial growth first

Take a step towards achieving your financial dreams by becoming a member of Umodzi SACCO Limited..

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Why Us

Umodzi SACCO Benefits

Your Trusted Partner in Financial Growth

At Umodzi SACCO Limited, we are a member-owned cooperative serving over 10,000 members with more than 4 billion in assets and a wide range of savings, loan, and share products. Regulated by the Reserve Bank of Malawi and operating under MUSCCO oversight, we uphold integrity, accountability, fairness, and transparency in everything we do. Our member-first approach ensures affordable financial solutions, quick access to loans, and sustainable growth that empowers individuals, families, and businesses to achieve their financial dreams.

10,000+

Members

4,000,000,000+

In Assets

10+

Products

Quick Access to Loans

Get fast, hassle-free loans with flexible terms designed to meet your needs when you need them most.

Affordable Loans

Access loans at low-interest rates, helping you achieve your personal and business goals without the burden of high fees.

Flexible Savings Options

Secure your future with options like shares and fixed deposit accounts, designed to help you save consistently and grow your wealth over time.

Member-First Approach

Unlike traditional banks, we prioritize the financial well-being of our members over profit. As a member, you become a part-owner, sharing in our success and benefiting from our services.

Community-Focused Growth

We are dedicated to uplifting our members and the community by promoting financial literacy and supporting sustainable growth.

Guiding Values

Integrity

Accountability

Effectiveness

Team work

Fairness

Team

At the heart of our success is a dedicated and visionary management team. With a blend of experience, innovation, and leadership, our team ensures the strategic direction, operational excellence, and client satisfaction.