I got a message that my Afya Elimu Fund was defective.

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I got a message that my Afya Elimu Fund was defective. What could be the reason?

I got a message that my Afya Elimu Fund was defective. – Answer:

HELB Loan: I got a message that my Afya Elimu Fund was defective

If any or all of the following are missing then the application form is defective and your loan will not be processed:

Missing signatures and stamps: i.e. applicants’ signature, parents/guardian, priest, Chief or Assistant chief, Commissioner of Oaths or Magistrate and bank. Please note that signatures and stamping is MANDATORY.

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1. Missing documents: if any of the documents on the checklist haven’t been attached then the form will be termed defective. These include: KCSE result slip, Admission letter; if orphaned, copy/copies of parent/s death certificate; if sponsored in High school, a confirmation letter from the school or sponsor and a colored passport size photo which is to be attached to the form before submission.

 

2. Scanned copies: the forms to be submitted should be the original copies and not scanned copies, if one submits the scanned copy then it is termed defective since it’s not the original.

 

3. 2nd & Subsequent loan application forms: All the subsequent application forms MUST be signed and stamped by the Dean of students.

Frequently Asked Questions

Student FAQs

Subsequent Application on Mobile App

I got a message that my Afya Elimu Fund was defective.

How do I know a HELB beneficiary/loanee?
  • Upon recruitment of any person, kindly check using the HELB Employers Portal on www.helb.co.ke. Your recruitment policy may also include all new staff to declare their credit status with HELB.
What happens when a loanee disputes or declines to be deducted from payslip?
  • Refer the loanee to HELB. The dispute should be put in writing. Deductions must however continue until otherwise advised by HELB.
How do I remit deductions?
  • Please login to employer portal on HELB website and submit monthly deduction list (by-product). You will get an e-slip with bank details.
How do I get employee loan repayment statement?
  • Loanees/employees can individually generate statement of loan repayment from our website www.helb.co.ke.
How much do I deduct from employee’s salary?
  • Please login to employer portal on HELB website and submit employee data, you will get loanees outstanding balance and monthly rate of deduction.

Undergraduate Loans

How do I know a HELB beneficiary/loanee?
  • Upon recruitment of any person, kindly check using the HELB Employers Portal on www.helb.co.ke. Your recruitment policy may also include all new staff to declare their credit status with HELB.
What happens when a loanee disputes or declines to be deducted from payslip?
  • Refer the loanee to HELB. The dispute should be put in writing. Deductions must however continue until otherwise advised by HELB.
How do I remit deductions?
  • Please login to employer portal on HELB website and submit monthly deduction list (by-product). You will get an e-slip with bank details.
How do I get employee loan repayment statement?
  • Loanees/employees can individually generate statement of loan repayment from our website www.helb.co.ke.
How much do I deduct from employees salary?
  • Please login to employer portal on HELB website and submit employee data, you will get loanees outstanding balance and monthly rate of deduction.

Loanees FAQs

How often do you send Loan statement?
  • To know your loan status visit our website: Helb Loan
What are the modes of repayment?
  • Check off system, Credit card, Standing order, Cash/Cheque deposits to HELB Account, Mpesa.
How do I pay my loan from abroad?
  • Credit card or Direct Transfer to HELB account number 300 040 012, Citibank Nairobi. Swift code CITIKENA.
What happens if I default?
  • You will be penalized. For each month that remains unpaid you pay a fine of not less than five thousand shillings.
Why charge ledger fees?
  • For maintenance of the account.
What happens when I clear my loan?
  • You will be issued with a certificate of clearance.
How do you tell where I am?
  • Within one year of completion of your studies or earlier you are supposed to inform the Board of your whereabout
How long does it take to get a refund?
  • A maximum of one month.
My employer stopped deductions from my pay, that’s not my mistake.
  • Loan repayment is your responsibility. Please keep track of your repayment until completion.
What happens if an employer does not remit the deductions made?
  • A penalty 5% per month is charged on the employer for every deduction that remains unpaid.
How do I receive my completion certificate?
  • A penalty 5% per month is charged on the employer for every deduction that remains unpaid.
How do I receive my completion certificate?
1. Send an email requesting for your statement to certificates@helb.co.ke
2. Call our contact centre on 0711052000
How do I know a HELB beneficiary/loanee?
  • Upon recruitment of any person, kindly check using the HELB Employers Portal on www.helb.co.ke. Your recruitment policy may also include all new staff to declare their credit status with HELB.
What happens when a loanee disputes or declines to be deducted from payslip?
  • Refer the loanee to HELB. The dispute should be put in writing. Deductions must however continue until otherwise advised by HELB.
How do I remit deductions?
  • Please login to employer portal on HELB website and submit monthly deduction list (by-product). You will get an e-slip with bank details.
How do I get employee loan repayment statement?
  • Loanees/employees can individually generate statement of loan repayment from our website www.helb.co.ke.
How much do I deduct from employees’ salary?
  • Please login to employer portal on HELB website and submit employee data, you will get loanees outstanding balance and monthly rate of deduction.

Employers FAQs

Frequently Asked Questions By Employers

How do I know a HELB beneficiary/loanee?
  • Upon recruitment of any person, kindly check using the HELB Employers Portal on www.helb.co.ke. Your recruitment policy may also include all new staff to declare their credit status with HELB.
What happens when a loanee disputes or declines to be deducted from payslip?
  • Refer the loanee to HELB. The dispute should be put in writing. Deductions must however continue until otherwise advised by HELB.
How do I remit deductions?
  • Please login to employer portal on HELB website and submit monthly deduction list (by-product). You will get an e-slip with bank details.
How do I get employee loan repayment statement?
  • Loanees/employees can individually generate statement of loan repayment from our website www.helb.co.ke.
How much do I deduct from employees’ salary?
  • Please login to employer portal on HELB website and submit employee data, you will get loanees outstanding balance and monthly rate of deduction.

Institutions FAQs

How do I know a HELB beneficiary/loanee?
  • Upon recruitment of any person, kindly check using the HELB Employers Portal on www.helb.co.ke. Your recruitment policy may also include all new staff to declare their credit status with HELB.
What happens when a loanee disputes or declines to be deducted from payslip?
  • Refer the loanee to HELB. The dispute should be put in writing. Deductions must however continue until otherwise advised by HELB.
How do I remit deductions?
  • Please login to employer portal on HELB website and submit monthly deduction list (by-product). You will get an e-slip with bank details.
How do I get employee loan repayment statement?
  • Loanees/employees can individually generate statement of loan repayment from our website www.helb.co.ke.
How much do I deduct from employees’ salary?
  • Please login to employer portal on HELB website and submit employee data, you will get loanees outstanding balance and monthly rate of deduction.

 

Send all HELB Loan enquiries to any of the following contact details below and you will be responded to as soon as possible:

Contacts

Head Office

  • Anniversary Towers, 19th Floor
  • P.O Box 69489-00400
  • Nairobi, Kenya

Student Service Centre

  • Mezzanine One (M1) Floor Anniversary Towers
  • Operating Hours: 8.00am – 5.00pm
  • Service Offered: Loan Disbursement Enquiries

Customer Experience Centre.

  • Ground Floor, Anniversary Towers
  • Operating Hours: 8.00am – 5.00pm
  • Service Offered: Loan Repayment, Compliance & Clearance and HELB Jielimishe Loan Enquiries.

Contact Centre

  • 0711052000
  • contactcentre@helb.co.ke
  • Operating Hours: 8.00am – 5.00pm

Read Also:

  1. HELB tvet loan
  2. HELB registration requirements
  3. HELB student portal registration

The HELB services are now accessible country wide in Huduma Centres

HELB Is Physically Present At:

  • Nairobi-GPO,
  • Machakos
  • Mombasa
  • Nakuru
  • Eldoret
  • Nakuru
  • Kisumu
  • Kakamega
  • Kisii
  • Nyeri
  • Embu
  • Kitui
  • Bungoma
  • Lodwar
  • Meru
  • Thika
  • Kitale
  • Kericho
  • Nandi
  • Murang’a
  • Garissa
  • Narok
  • Migori
  • Chuka
  • Kilifi
  • Taita Taveta
  • West Pokot,
  • Bomet

HELB Select Services Available Through Cybercafes At The Following Huduma Centres:

  • City Square
  • Makadara
  • Kibera
  • Eastleigh
  • Baringo
  • Tana River
  • Busia
  • Elgeyo Marakwet
  • Homa Bay
  • Isiolo
  • Kajiado,
  • Vihiga
  • Kirinyaga
  • Kwale
  • Laikipia
  • Lamu
  • Mandera
  • Wajir
  • Marsabit
  • Nyamira
  • Nyandarua
  • Samburu
  • Siaya

The HELB MPESA Wallet Guide.

The HELB loan mobile payment option is currently available on Mpesa, below is the procedure on how you can access and withdraw the funds from HELB Mini App.

  1. Download the MPESA App from Google App Playstore or Apple App Store or Huawei App gallery.
  2. Register on the MPESA App using your MPESA registered phone number, and make sure you are using data bundles from Safaricom.
  3. Login and go to the home page, then Categories, and to the Education tab.
  4. Select HELB from Education tab.
  5. Register on the HELB Mini app.
  6. Sign in using your MPESA registered phone number, and you will receive a verification code via SMS for login.
  7. Once you log in, kindly click on the home page tab to withdraw your funds to your MPESA using the withdraw button on the page.

Should you require further support, please email us on ContactCentre@helb.co.ke or call us on 0711052000

How to Repay loans using the HELB Mobile Wallet

Mobile Payment Services: M-PESA

Using M-PESA (Safaricom) Money Transfer:

  • Select pay bill option
  • Enter HELB business number as 200800
  • Enter your national ID number as your account number
  • Then Enter amount you want to pay
  • Enter your secret PIN number
  • Confirm transaction and send

Note: The transaction reflects in your statement immediately after the transaction.

Using M-PESA (Safaricom) Money Transfer for Employers

  • Upload the remittance schedule
  • Generate the E-Slip
  • Go to the M-PESA menu and click on Lipa na M-PESA, then Paybill
  • Enter 200800 as the business number
  • For the account details, enter the generated E-Slip number as the account number
  • Enter your PIN number
  • You will receive a confirmation message for payment

Note: The transaction will reflect in the employer statement and posted to individual loanee statements.