FAQs

1. Filling a registration form
2. Providing all documents necessary for KYC
3. An amount of Kshs 350

1. Individual Accounts
   1. Copy of National I/D or passport
   2. Copy KRA Pin Certificate.
2. Minor Accounts
   1. Copy of National I/D or passport of a parent/guardian
   2. Copy KRA Pin Certificate a parent/guardian

• Birth Certificate/Notifications for Minors & other proof of legal relationship.

1. Parent/Guardian must be a member

1. Corporate/Group Accounts

1. Copy of National I/D or passport for signatories
2. Copy KRA Pin Certificate for signatories.

• Registration certificates for Government registered groups

1. A copy of Constitution
2. Minutes signed by all the members

1. Saving regularly with convenience and safety
2. Access to affordable credit
3. Entitled to distributable surplus
4. Entitled to Benevolent fund
5. Capacity building & Development
6. No loss of privileges in case of change of residence
7. Right to information & confidentiality

This is the excess income or profit generated after all operational expenses and reserve allocations have been accounted for at the end of a financial year.

The surplus is usually distributed to members in form of surplus on savings

A member who make monthly contributions and pay loans promptly.

1. Have been inactive for the last four (4) months of the financial year
2. Have not made consistent monthly contributions
3. A member who offset loan within the financial year

Once the loan has been approved, it is disbursed via M-Pesa for amounts below Kshs 250,000 and amount above Kshs 250,000 is either disbursed via acheque or RTGS

Yes, you can have another loan provided you have sufficient savings.

Yes, you can apply

No, you can’t, apply for another loan; you will need to build your savings at least 4 months consistently before becoming eligible for a new loan.

To get started, simply download the CaritasMobi App from the Google Play Store or Apple App Store. After installing the app, Contact us on our WhatsApp number +254 797 893581 or email us on rccmdf@ruirucatholicfund.org to receive your login credentials and complete the registration process

Please contact our WhatsApp number +254 797 893581 or email us on rccmdf@ruirucatholicfund.org. We will promptly assist you by resending your login credentials or guiding you through the reset process.

Yes, you can update your listed beneficiary at any time. You will be required to fill out a Biodata Amendment Form found on our website www.ruirucatholicfund.org and attach a copy of your National ID. You can then send the details to rccmdf@ruirucatholicfund.org. Also this process can be done physically at our office.

No, this is not possible. All loans must be fully secured on a shilling-to-shilling basis. If your savings are not sufficient, a guarantor is required to cover the balance.

Yes, is deducted to all individual accounts annually.

The member must have been in good standing; actively contributing and compliant with group requirements at the time of need.

Yes, members in the diaspora can apply for a loan, provided they are in good standing, have been actively contributing, and (if new) have saved consistently for at least six (6) months. To apply, simply reach out to us through our email:rccmdf@ruirucatholicfund.org

Currently, we offer two Paybill options:

1. Safaricom Paybill(590300): This option may attract standard M-Pesa transaction charges as determined by Safaricom.
2. Lipa na Caritas Paybill(8998990): This channel is free of charge and is the most cost-effective way to make payments.

Currently, we offer two Paybill options:

1. Safaricom Paybill(590300): This option may attract standard M-Pesa transaction charges as determined by Safaricom.
2. Lipa na Caritas Paybill(8998990): This channel is free of charge and is the most cost-effective way to make payments.

Currently, we offer two Paybill options:

1. Safaricom Paybill(590300): This option may attract standard M-Pesa transaction charges as determined by Safaricom.
2. Lipa na Caritas Paybill(8998990): This channel is free of charge and is the most cost-effective way to make payments.

CaritasPay is a mobile application provided by Caritas Microfinance Bank, primarily used for individual banking services. On the other hand, the CaritasMobi App is offered by Caritas Nairobi and is specifically designed for Self-Help Groups (SHGs). It enables seamless access to member accounts, facilitating transactions such as savings updates, loan applications, and statement tracking within group settings.

CaritasMobi is a secure and user-friendly mobile application designed to enhance how you manage your financial transactions and accounts.

Simply deposit a minimum of Kshs 300 into your savings account and continue saving.

Yes, you can conveniently access your account statement through the following platforms:

• CaritasMobi App
• USSD Code – Dial *853*2# on your mobile phone and follow the prompts to receive your statement or register your email with us.

Currently, we offer two Paybill options:

1. Safaricom Paybill(590300): This option may attract standard M-Pesa transaction charges as determined by Safaricom.
2. Lipa na Caritas Paybill(8998990): This channel is free of charge and is the most cost-effective way to make payments.