Members
Member Institutions
All deposit-taking institutions licensed by the Central Bank of Kenya are required KDIC members protecting millions of depositors across Kenya.
37
Commercial Banks
14
Microfinance Banks
1
Microfinance Institution
KES 500K
Per-Depositor Coverage Limit
Member Resources
Member Information
Active members, institutions under resolution, and the restricted returns portal.
Obligations
Member Institution Obligations
What membership means for licensed deposit-taking institutions in Kenya.
Mandatory Membership
All deposit-taking institutions licensed by the Central Bank of Kenya under the Banking Act or the Microfinance Act are required by law to be KDIC members.
Risk-Based Premiums
Member institutions pay annual premiums to the Deposit Insurance Fund (DIF) calculated on the basis of insurable deposits and a risk-based assessment framework.
Statutory Returns
Members are required to file periodic statutory returns to KDIC — including deposit data, premium declarations, and other regulatory submissions.
Depositor Protection
Membership entitles each institution's eligible depositors to KDIC insurance — up to KES 500,000 per depositor — at no direct cost to the depositor.
Contact KDIC
Questions about KDIC membership?
Contact KDIC's Insurance & Risk department for enquiries about membership, premiums, returns, and regulatory obligations.