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What is NYOTA Haba Haba ?

NYOTA is your plug for investing without stress. You get a headstart, your investment get boosted and if you're a young mum, you also get maternity support. Everything is simple, digital, and built for your grind.

Young woman

NYOTA is a 5-year project rolling out for Kenyan youth aged 18–29. It's linked to NSSF's Haba Haba savings plan, but with extra benefits just for you.

  • First 6 months: NYOTA drops KES 1,000 into your account every month.
  • Next 6 months: You save, NYOTA boosts it 2:1 up to KES 3,000.
  • Your money grows. 30% is yours after 1 year of opting in, 50% after 5 years, and the rest later when you retire.
  • For young mums: Save KES 400 per month for 4 months and unlock a maternity benefit of KES 4,000 a month for 4 months.

NYOTA Haba Haba makes Investment easy, adds free money on top, and keeps your future secure. Hustle now, watch your bag grow tomorrow.

How it works

Save kidogo, get zaidi. Nyota boosts your hustle with extra cash on your NSSF investment.

Join In

Join in: You're auto-enrolled to NSSF Haba Haba once you are selected for NYOTA.

Free Kickstart

For the first 6 months, NYOTA deposits KES 1,000 into your NSSF Haba Haba account.

Double Up

From month 7-12, whatever you save, NYOTA matches 2:1 up to KES 3,000.

Grow & Access

Your money grows over time with flexible access options.

Why Nyota Slaps

Start with a bonus, grow your savings faster, access your money with ease, and get extra support for young mums.

Free Starter Cash

Get KES 1,000 every month for the first 6 months.

Young couple
Boost Your Investments

From month 7-12, NYOTA matches your savings 2:1 up to KES 3,000.

Easy Access

Access 30% after 1 year, 50% after 5 years and the rest later.

Maternity Support

Young mums get KES 4,000 per month for 4 months when they save.

Got questions?

We've got answers. From how NYOTA boosts your savings to when you can cash out, everything you need to know is right here. Simple, straight, no stress.

What is Haba Haba? ×
Haba Haba is an NSSF savings product designed for members in the informal sector. It allows individuals to make voluntary contributions with the flexibility to save daily, weekly, monthly, or even annually.
What's auto-debit? ▼
Auto-debit is a feature where KES 1,000 will be automatically deposited into individual accounts by NYOTA for the first six months.
How does the match work? ▼
From month 7-12, NYOTA matches your savings 2:1 up to KES 3,000 per month.
Who gets the maternity cash? ▼
Young mothers who save at least KES 400 per month for 4 months can unlock maternity benefits.
What do I need to claim maternity benefit? ▼
You need to have saved consistently for at least four months and provide proof of pregnancy and birth notification.
How much do I get as a mum? ▼
KES 4,000 per month for 4 months when you meet the savings requirements.
How do I check my investment? ▼
Log into the NSSF NYOTA portal or dial *303# to view your investment balance and growth.
When can I cash out? ▼
With Haba Haba, your savings grow with you. You can cash out 30% after just 1 year, 50% after 5 years, and enjoy the full amount when you retire. It’s your money, your future, building step by step.