Paisabazaar Logo - Compare loans and credit cards

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.
iconicon
Get Cashback of 1,000* on Loan Disbursal
Valid till 31st March '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.5L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Easy Online Application Process

Easy Online Application Process

Icon image of Minimum Paperwork Requirement

Minimum Paperwork Requirement

Icon image of No Guarantor/Collateral Requirement

No Guarantor/Collateral Requirement

Icon image of Quick Approval and Disbursal

Quick Approval and Disbursal

Find Best Personal Loan Offers

Sort by:

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 Fee6,500
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?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

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.

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

Avail Personal Loan for
All Your Needs

quotes icon

What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

icon image of avatar
Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

icon image of avatar
Kokil BarnwalFeb 12, 2026

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.

icon image of avatar
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.

icon image of avatar
Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

icon image of avatar
20th Jan 2026Jan 20, 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.

icon image of avatar
Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

icon image of avatar
Amit ChahalJan 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

icon image of avatar
Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

icon image of avatar
Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

icon image of avatar
Abhishek ThakuraJan 14, 2026
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

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

*Applicable for selected customers

Knapsack with coins

Check Best Personal Loan Offers
with Quick Disbursal

Scroll to top