- 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

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Easy Online Application Process
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No Guarantor/Collateral Requirement
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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
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Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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Get up to ₹50 Lakhs starting at 9.98%*
Get up to ₹50 Lakhs starting at 9.98%*







