The Superintendencia de Banca, Seguros y AFP (SBS) has officially placed Caja Rural de Ahorro y Crédito del Centro S.A. (CRAC del Centro) under an Intervention Regime as of April 14, 2026. This regulatory action follows the entity’s failure to maintain solvency standards, specifically triggering the causal established in numeral 4 of article 104 of Law N° 26702.
Deposit Protection and Recovery
The Fondo de Seguro de Depósitos (FSD) provides a maximum coverage of S/117,200.00 for eligible depositors. For those with savings or fixed-term deposits in foreign currency, payments will be made in soles based on the accounting exchange rate from April 13, 2026.
The Caja Municipal de Ahorro y Crédito Arequipa has been designated as the financial institution responsible for returning these deposits. A preliminary payment phase is currently targeting natural persons with only savings, fixed-term, and joint deposits who are fully identified and hold no debts or blocks with the entity.
Obligations for Credit Holders
Despite the intervention, natural and legal persons with active credits at CRAC del Centro in Liquidation must continue making payments according to their original agreed schedules. Payments should be conducted through BCP, Yape, or Agentes Globokas/Kasnet using a DNI and credit code.
To prevent fraud, the SBS and the entity have issued a strict warning: no payments should be made directly to officials of the Caja. Authorized payments may likewise be made to specific BCP accounts in Huancayo (3551998956030) and Lima (19334170386040 or CCI 00219313417038604010).
Next Steps and Support Channels
It is likely that additional lists of beneficiaries will be released in the coming period. These subsequent lists may include natural persons who maintain CTS accounts or those who currently have debts or blocks with CRAC del Centro.
For those lacking a credit code, inquiries can be made via WhatsApp at 949899441 or 963688609, or through emails [email protected] and [email protected]. In-person assistance is available Monday through Friday, 9 am to 5 pm, at agencies in Huancayo (Real, Cusco, El Tambo, Chilca, Ciudad Universitaria) and Chupaca.
Frequently Asked Questions
What is the maximum amount covered by the FSD?
The maximum coverage for natural persons and non-profit legal entities is S/117,200.00.
Do I need to sign up to receive my deposit back?
No. Given that CRAC del Centro is a member of the FSD, deposits are automatically insured for the amount fixed by law; no registration or payment is required.
Who should I contact for credit cancellations or advance payments?
For full cancellations or payments of more than one installment, you should contact the designated agency heads or the provided email addresses ([email protected] or [email protected]).
How do you believe the transition to a third-party repayment entity will affect the speed of fund recovery for depositors?
