Saraswat Bank Mudra Loan

Saraswat Bank offers Mudra loan facility @ 11.75% p.a. onwards of up to Rs 10 lakh to micro enterprises that...

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Avail up to ₹1 Cr starting at 13%

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Google Play Store

4.5_/5

15.6L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Best Loan Offers

Curated Offers from 20+ Lenders

Unsecured Loan

Term Loan & OD Facilities Available

Expert Advice

Guidance & Assistance

Top Up Facility

Loan to Get Additional Funds

Find Best Business Loan Offers

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HDFC Bank

Max Loan Amt.Upto ₹75L

Rate of Interest10.75% - 28%

Tenure uptoUpto 5 Years

Processing FeeUpto 2%

ICICI Bank

Max Loan Amt.Upto ₹50L

Rate of Interest13.25% 19.25%

Tenure uptoUpto 5 Years

Processing FeeUpto 2%

Axis Bank

Max Loan Amt.Upto ₹75L

Rate of Interest15% - 19.25%

Tenure uptoUpto 5 Years

Processing FeeUpto 2%

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Step 1: Enter your mobile number in the application form.

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Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

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.

How Can I Apply for a Business Loan Online?

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

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