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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.
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

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

Icon image of Minimum Paperwork Requirement

Minimum Paperwork Requirement

Icon image of No Guarantor/Collateral Requirement

No Guarantor/Collateral Requirement

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Quick Approval and Disbursal

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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 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%
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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

Apply Now

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

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All Your Needs

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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

Apply Now

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
All Your Needs

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

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.

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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

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 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.

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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.

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Anuradha GuptaJan 21, 2026
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Vandana Punj
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Shamik Ghosh

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