Saraswat Bank Personal Loan

Easy Online Application Process

Minimum Paperwork Requirement

No Guarantor/Collateral Requirement

Quick Approval and Disbursal

Easy Online Application Process

Minimum Paperwork Requirement

No Guarantor/Collateral Requirement

Quick Approval and Disbursal

Google Play Store

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15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Apply Personal Loan Online

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Google Play Store

4.5_/5

15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Find Best Personal Loan Offers

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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%

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

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

Avail Personal Loan for
All Your Needs

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.

Swipe to see more table data

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 Personal Loan Lenders

Avail Personal Loan for
All Your Needs

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What our customers say

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

View All Testimonials

Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Talk to Expert

Saraswat Bank Personal Loan

Find Best Personal Loan Offers

How Can I Apply for a Personal Loan Online?

About Saraswat Bank Personal Loan

Saraswat Bank Personal Loan Highlights

Saraswat Bank Personal Loan Interest Rate

Saraswat Bank Personal Loan Processing Fees and other Charges

Personal Loan Security of Saraswat Bank

Saraswat Bank Personal Loan Eligibility Criteria

For salaried:

For self-employed:

Personal Loan Documents Required of Saraswat Bank

How Can I Apply for a Personal Loan Online?

Personal Loan Articles

What our customers say

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