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Saraswat Bank Mudra Loan

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Avail up to ₹1 Cr starting at 13%

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15.6L Reviews

5.7cr+Satisfied Customers
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₹65k Cr+Loans Disbursed
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Saraswat Bank Mudra Loan Highlights 2024

Interest Rate 11.75% p.a.
Loan Amount
  • Shishu: Loans up to Rs 50,000
  • Kishore: Loans from Rs 50,001 to Rs 5 lakh
  • Tarun: Loans from Rs 5 lakh to Rs 10 lakh
Loan Tenure
  • Shishu: Up to 3 years (including 1 year moratorium)
  • Kishore: Up to 5 years (including 1 year moratorium)
  • Tarun: Up to 5 years (including 1 year moratorium)
Security
  • Primary: Charge on fixed/current assets
  • Collateral: Nil. To be covered under CGTSME
LTV
  • Working capital: 20% of the net turnover
  • TL: 4 times the average gross cash accruals or 80% of the agreement value of new asset

Note: Data as of 15th April 2024

Saraswat Bank Mudra Loan Interest Rates

Saraswat Bank offers Mudra Loans at interest rates of 11.75% p.a. The lender offers concessions of 10 bps on its Mudra loan interest rates for women entrepreneurs.

Fees and Charges for Saraswat Bank Mudra Loan

The fees and charges for Saraswat Bank Mudra loan schemes are as follows:

Particulars Rates
Processing Fees
  • Shishu: Nil
  • Kishore: Nil
  • Tarun: Rs 5,000
Renewal Fees
  • Shishu: Nil
  • Kishore: Nil
  • Tarun: Rs 500

Saraswat Bank Mudra Loan Eligibility Criteria

Micro enterprises engaged in trading, services, manufacturing and other income generating activities can avail Saraswat Bank Mudra Loans.

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Documents required for Saraswat Bank Mudra Loan

Saraswat Bank has not specified the documentation for its Mudra Loan scheme. However, lenders offering Mudra loans usually require the income proof, identity proof, proof of business/residential address and business continuity of their Mudra loan applicants.

Mudra Loan Related Resources
Mudra Loan Mudra Loan EMI Calculator How to Apply for Mudra Loan Online
Mudra Loan Eligibility Mudra Loan Application Form Mudra Loan Subsidy
Mudra Loan Documents Mudra Loan Project Report
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