Fixed Investment · High Returns

Fixed Returns,
Predictable Growth.

A structured fixed investment offering up to 16% per annum over 6 or 12 months. Monthly interest payments you can withdraw at will.

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InterestUp to 16% p.a.

Tenors6 or 12 Months

Min. InvestmentUGX 500,000

PayoutsMonthly withdrawable

Who is this for?

Individuals, business owners, and traders who want consistent, predictable monthly income from their savings over a structured period.

Individual Investors Business Owners Traders Professionals Retirees

Eligibility Criteria

Minimum investment of UGX 500,000

Commitment to 6-month or 12-month fixed tenor

Valid National ID

What you get

What you will need

How to get it

National ID

Investment Funds (min. UGX 500,000)

Active Kray Account

Visit any Kray branch or apply via the Kray mobile app or USSD *217#.
Carry your National ID and all required documents listed above.
A Kray loan officer will assess your application and guide you through the process.
Once approved, funds are disbursed directly to your Kray account — sometimes same day.