- Saraswat Bank offers quick personal loans at competitive interest rates to meet different planned and unplanned expenses.
- These loans require minimal documentation and no guarantor or collateral.
- Consumers who apply through Paisabazaar can experience a hassle-free online loan process and end-to-end expert assistance.
- Saraswat Bank personal loans can be repaid over a flexible tenure in affordable EMIs.
- Saraswat Bank personal loans come with no hidden fees or charges.
Saraswat Bank Personal Loan
Borrowers can avail Saraswat Bank Personal Loan at interest rate starting from 12% p.a. onwards, for loan amount of up to Rs 5 lakh and repayment tenures of up to 5 years. The bank also requires its personal loan borrowers to obtain insurance covering partial permanent disability or death liability.
Easy Online Application Process
Minimum Paperwork Requirement
No Guarantor/Collateral Requirement
Quick Approval and Disbursal

4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Easy Online Application Process
Minimum Paperwork Requirement
No Guarantor/Collateral Requirement
Quick Approval and Disbursal
Find Best Personal Loan Offers
HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?



Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
End-to-End Digital Process
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
Apply Now
About Saraswat Bank Personal Loan
Saraswat Bank Personal Loan Highlights
| Interest rates | 12% p.a. to 14% p.a. |
| Loan amount | Up to Rs 5 lakh |
| Repayment tenure | Up to 5 years |
| Processing fee | Minimum Rs 2,500, irrespective of the loan amount |
Saraswat Bank Personal Loan Interest Rate
| Loan Type | Interest Rate |
|---|---|
| Personal Loan | 12% p.a. to 14% p.a. |
Saraswat Bank Personal Loan Processing Fees and other Charges
Saraswat Bank charges a processing fee of Rs 2,500 irrespective of the loan amount plus applicable charges.
Personal Loan Security of Saraswat Bank
- Compulsory ECS/S.I. from Salary account/Business A/c
- Hypothecation of Household Articles, consumer durables/ articles purchased
Saraswat Bank Personal Loan Eligibility Criteria
Persoanal loan elgibility criteria for the Saraswat Bank
For salaried:
Minimum average monthly take home salary after deducting all EMIs should be:
| Loan Amount | Metro/Urban Cities | Semi-Urban/Rural Cities |
|---|---|---|
| Up to Rs. 2 lakh | Rs 20,000 p.m. | Rs 15,000 p.m. |
| Up to Rs. 5 lakh | Rs 25,000 p.m. | Rs 20,000 p.m. |
For self-employed:
Experience of at least 1 year of business and I.T Returns for last one year reflecting Gross cash accruals of Rs. 1.50 lakh p.a.
Personal Loan Documents Required of Saraswat Bank
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
Apply Now
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