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Saraswat Bank Personal Loan

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Easy Online Application Process

Icon image of Minimum Paperwork Requirement

Minimum Paperwork Requirement

Icon image of No Guarantor/Collateral Requirement

No Guarantor/Collateral Requirement

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Quick Approval and Disbursal

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2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

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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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%
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Know Your Chances of Approval

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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

About Saraswat Bank Personal Loan

  • 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 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

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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.

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Personal Loan Documents Required of Saraswat Bank

  • Prescribed loan application form
  • Latest Photograph, Photo ID Proof and Residence Proof of the Applicant
  • Salary slips for last 3 months and Bank statement for last 3 months or Form No.16 of the Applicant of last one year
  • For Businessman ITR copies of last three years and 3 month Bank statement

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

Explore Our Saraswat Bank Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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The loan was approved the same day — super smooth and transparent process.

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