- 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 upto 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....
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
15.5L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed

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Valid till 31st March '26
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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
Easy Online Application Process
Minimum Paperwork Requirement
No Guarantor/Collateral Requirement
Quick Approval and Disbursal
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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 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.
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
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