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Disclaimer: Saraswat Bank is not a Paisabazaar partner for personal loan and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Saraswat Bank for personal loans. No offers/services from Saraswat Bank are being provided by Paisabazaar for personal loans. For further information about Saraswat Bank for personal loans, users are required to reach out directly to Saraswat Bank.
| 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 |
Note: Interest rates as of 23 June 2025
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Table of Contents
Saraswat Bank Personal Loan Interest Rate
| Loan Type | Interest Rate |
| Personal Loan | 12% p.a. to 14% p.a. |
Also check: Personal Loan Interest Rates offered by Top Banks/NBFCs
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Compare Saraswat Bank Personal Loan VS Other Lenders
| Banks/NBFCs | Interest Rates(p.a.) |
| Bajaj Finance | 10% - 31% p.a. |
| Axis Bank | 9.99% onwards |
| IndusInd Bank | 10.49% onwards |
| IDFC First Bank | 10.99% onwards |
| HDFC Bank | 10.85% onwards |
| ICICI Bank | 10.80% onwards |
| Kotak Mahindra Bank | 10.99% onwards |
| Tata Capital | 11.99% onwards |
| Federal Bank | 11.49% onwards |
| DMI Finance | Up to 24% |
| L&T Finance | 11.00% onwards |
| Kreditbee | 16.00% - 29.95% |
| MoneyTap | 13.00% onwards |
| Piramal Finance | 12.90% onwards |
| Aditya Birla | 10.99% onwards |
| Moneyview | 14%-36% |
| Cashe | 33.50% onwards |
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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
Saraswat Bank Personal Loan Eligibility Criteria
- 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.
Also read: Personal loan eligibility for salaried and self-employed employees.
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
Also know: What are the basic documents required for availing personal loan?
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FAQs
What is the rate of interest for personal loans in Saraswat Bank?
Ans. Saraswat Bank offers personal loans at an interest rates starting from 12% p.a.
What is the processing fee for personal loans at Saraswat Bank?
Ans. Saraswat Bank charges a processing fee of up to 1% of the loan amount (minimum Rs 2,500) plus applicable taxes.
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