Saraswat Bank Personal Loan Interest Rates, EMI, Eligibility
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All salaried employees of reputed organisations and companies who have services in the company from last 1 year are eligible to take loan, Business man, professionals and self employed with 1.50 lakh ITR of last three years are also eligible. Salaried persons can take upto 15 times of monthly take home as loan amount.
Personal Loan – Quick, Easy & Instant Online Approval
Important Info for Saraswat Bank personal loan
| Interest Rates | 14.40% |
| Lowest emi per lakh for 4 years | Rs. 2,834 |
| Processing Fee | 1.00% of loan amount |
| Prepayment Charges | N.A |
| Repayment | 5 Years |
| Guarantor | 1 gurrantor upto 50000, 2 for above 50000 |
| Age | 21 – 55 |
| Loan Amount | Maximum loan amount Rs. 2 Lakh |
| Disbursal Time | 4-8 days |
| Minimum Income Per Month | Rs.7500 |
| Bank | Saraswat Bank |
Documents required for Saraswat Bank
- Duly filled prescribed application form
- Photo Identity & Residence Proof of the Applicant & Guarantor
- Income proof a) or b) as applicable
a)Salaried person : salary slips for last 3 months, ITR/Form 16 for last 3 years
b) Businessman/Professional/self employed: last three years profit & loss account and balance sheet, & ITR and Bank statement for last 3 months.
Example of Personal Loan EMI Calculator
| Loan Amount | Interest Rates | Tenure/Repayment Period | EMI Per Month | Total Amount (Principal + Interest) |
| 50000 | 15.00% | 12 Months | Rs. 4,513 | Rs. 54,155 |
| 60000 | 14.75% | 18 Months | Rs. 3,736 | Rs. 67,249 |
| 70000 | 14.50% | 24 Months | Rs. 3,377 | Rs. 81,059 |
| 80000 | 14.75% | 30 Months | Rs. 3,205 | Rs. 96,140 |
| 90000 | 14.75% | 36 Months | Rs. 3,109 | Rs. 1,11,919 |
| 100000 | 14.50% | 42 Months | Rs. 3,050 | Rs. 1,28,102 |
| 110000 | 14.75% | 48 Months | Rs. 3,047 | Rs. 1,46,278 |
| 120000 | 15.00% | 54 Months | Rs. 3,069 | Rs. 1,65,743 |
| 130000 | 14.75% | 60 Months | Rs. 3,076 | Rs. 1,84,539 |
| 140000 | 15.00% | 24 Months | Rs. 6,788 | Rs. 1,62,915 |
| 150000 | 14.50% | 30 Months | Rs. 5,991 | Rs. 1,79,721 |
| 160000 | 15.00% | 36 Months | Rs. 5,546 | Rs. 1,99,672 |
| 170000 | 14.75% | 42 Months | Rs. 5,206 | Rs. 2,18,660 |
| 180000 | 15.00% | 48 Months | Rs. 5,010 | Rs. 2,40,458 |
| 190000 | 14.75% | 54 Months | Rs. 4,835 | Rs. 2,61,105 |
| 200000 | 14.75% | 60 Months | Rs. 4,732 | Rs. 2,83,907 |
List of Bank Branches for Personal Loans – Saraswat Bank
- Mumbai – Shop No 1 and 2,Borivali Ruby Co-operative Hsg. Soc. Ltd. Holy Cross Road, I. C. Colony, Borivali (West)
Mumbai – 400103 - Andheri East – Shiv Chhaya CHS ,Ground Floor,33, M.V Road Andheri (E) Mumbai – 400069
- Andheri West – All India Inst Of Local Self Govt, Burfwala Marg,Andheri(West), Mumbai – 400058
- Antop Hill – Kiran Chs Ltd Kalpak Estate, Shaikh Mistry Marg, Antophill, Mumbai – 400037
- Bandra West – National Library, Opp. Bandra Talao, S.V. Road Bandra (West),Mumbai – 400050
- Nagpur – 91, Chapru Nagar Chowk, Nagpur – 440008
- Nashik – Plot No I/2, Margshirsh Sector, Behind Cidco Office Nashik – 422009
- Navi Mumbai – Shop no 1 , 2 and 3,Shreejidham Complex, Sector 7 Airoli, Navi Mumbai – 400708
- Pune – B.G. Corner,Behind Nigdi Bus Std Mumbai-Pune Road,Akurdi, Pune – 411044
- Aundh – Yogita Park,Opp ITI Road,Aundh Pune – 411007