If you’ve tried Ziidi Money Market Fund (MMF) through M-PESA this year, you’ve likely seen its daily interest figure and wondered how well it stacks against other Kenyan MMFs. In 2025, Ziidi’s yield has varied, and while exact month-by-month numbers aren’t centrally published, independent snapshots give us a good idea. Below is a clear breakdown, a comparison table, and tips to help Kenyans make informed decisions—with nothing complicated and all insights grounded in reliable data.
What is Ziidi MMF?
Ziidi MMF was officially launched in early 2025 through a partnership between Safaricom’s M-PESA, ALA Capital, and Standard Investment Bank. It is a regulated Money Market Fund designed to let Kenyans save and invest directly from M-PESA with as little as KES 100.
Unlike traditional MMFs where you must fill out forms or visit offices, Ziidi is completely digital, allowing you to deposit and withdraw directly from your phone. Interest accrues daily and reflects in your Ziidi wallet balance inside M-PESA.
This accessibility has made Ziidi especially attractive to young professionals, students, and anyone who wants their idle M-PESA balance to earn something instead of sitting with zero growth.
Read Also: Ziidi Money Market Fund Surpasses KES 6 Billion in Investments
Ziidi MMF Interest Rate Month by Month in 2025
Unlike fixed deposits, Ziidi’s interest rate changes daily because it depends on the performance of short-term government securities, commercial paper, and bank placements. However, we can summarize observed rates month by month based on industry snapshots and investor reports.
Month (2025) | Approx. Annualized Yield | Key Notes |
|---|---|---|
January | ~9.0% | Ziidi launches; early figures slightly below top MMFs. |
February | ~9.5% | Public trackers show Ziidi at ~9.5% annualized. |
March | 8.5–9.0% | Daily fluctuations seen; remained below 10%. |
April | ~7.4% | Lowest snapshot reported during the year. |
May | 7.5–8.0% | Some recovery, but still trailing leaders. |
June | ~8.0% | Stable range, lagging double-digit MMFs. |
July | 8.5–9.0% | Slight improvement with rising T-bill rates. |
August | ~9.0% | Continued stability, though still below peers. |
September | ~8.8% | Fluctuates in the high 8s; accessible but not top-tier. |
Note: Ziidi’s yields are shown as annualized rates, even though they accrue daily. For example, a 9% annualized rate means your actual daily credit is a fraction of that yearly figure.
Ziidi MMF vs Other Kenyan Money Market Funds
To understand if Ziidi is worth it, we need to compare it with Kenya’s top MMFs. According to CMA reports and public fund updates, here’s how Ziidi stacks up as of mid-2025:
Money Market Fund | Annual Yield (2025) | Minimum Investment | Liquidity | Notes |
|---|---|---|---|---|
Ziidi MMF | ~7–9% | KES 100 | Instant (via M-PESA) | Most accessible, fully digital, but lower returns. |
GulfCap MMF | ~15% | KES 1,000 | 2–3 days | Market leader in yield. |
Cytonn MMF | ~14% | KES 1,000 | 2–3 days | Aggressive investment strategy. |
Kuza MMF | ~13% | KES 1,000 | 2–3 days | Strong alternative performer. |
Etica MMF | ~12–13% | KES 1,000 | 2–3 days | Stable and consistent. |
Takeaway:
- Ziidi prioritizes accessibility and liquidity over maximum yield.
- Top MMFs deliver almost double Ziidi’s return, but require higher minimums and have slightly slower withdrawal times.
- For small, frequent savers, Ziidi is ideal. For larger sums seeking growth, higher-yield MMFs are better.
Read Also: What is Ziidi Shariah MMF?
Why Ziidi’s Interest Rate Moves
- Government Treasury Bill Rates: Since Ziidi invests in short-term government securities, when T-bill rates fall, Ziidi’s yield falls too.
- Fund Composition: Ziidi is still relatively new and may allocate conservatively compared to aggressive MMFs.
- Daily Annualization: Ziidi shows a daily interest rate that’s annualized. Even small daily changes create visible monthly swings.
- Liquidity Preference: To ensure users can withdraw instantly, Ziidi may keep more funds in low-yield bank placements.
Is Ziidi Worth It in 2025?
It depends on your goals:
- Yes, if you want convenience. Ziidi’s biggest selling point is M-PESA integration and instant withdrawals. Perfect for everyday users.
- No, if you want maximum growth. You’ll earn almost half of what the top MMFs pay in 2025. For higher amounts, GulfCap or Cytonn offer better yields.
A smart strategy for many Kenyans is to split funds: use Ziidi for liquidity and accessibility, while investing larger sums in higher-yield MMFs for long-term growth.
Final Thoughts
Ziidi MMF has proven in 2025 to be a game-changer in accessibility, letting millions of Kenyans participate in the money market with just KES 100 and their M-PESA line. However, when it comes to yield, Ziidi lags behind established MMFs, averaging 7–9% annualized versus 12–15% from top funds.
If you’re saving small amounts or want daily liquidity, Ziidi is excellent. But if you’re serious about returns, compare across MMFs and diversify your portfolio.
