Saraswat Bank Home Loans | Interest Rates | Documents | Information

Saraswat Bank Vastu Siddhi Housing loan interest rates starts from as low as 9.50%. Get details on Eligibility, loan emi, Processing fees & other charges.

Saraswat Bank offering Loans for the purpose of Construction, purchase ready built flats, takeover of home loans, flats, resale flats etc.

Eligibility & Features:

  • Salaried Employees /Businessmen/Professionals
  • Maximum loan amount of upto Rs.70 lacs
  • Top up loan upto Rs.25 lac
  • 85% (loans upto Rs. 25 lac)  or 80% ( loans above Rs. 25 lac) of Cost  of flat +Stamp Duty +Registration OR Cost of land & construction thereon
  • Salaried : Max 60 times of the Avg net take-home salary, Businessman : Max 5 times of Avg Net cash accruals

Home Loan applications received for rupees ₹ 419,027 crores till 19 October 2020

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Loan Amount

Annual Income


120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 6.90% for women, 6.95% for Others.

Saraswat Bank Home Loan Rate of Interest 2018

Loan Amount Floating Rate
Upto Rs. 25 lac 9.50%
Above  Rs. 25 lac 9.50%

Processing fees:

Loan Amount Processing Fees
Upto  Rs. 25 lac Rs. 5000/-
Above Rs.25 lac & upto Rs. 50 lac Rs. 15000/-
Above Rs. 50 Lac Rs. 25000/-

 Documents List:

  1. Duly filled application form with photo identity and residence proof of Applicant and Guarantor (if any)
  2. Income proof a) or b) as applicable1
    1. Salaried: salary slip for last 3 months and bank statement for last 6 months, ITR & form 16 for 3 yrs
    2. Businessman: Profit & loss and ITR copies of last two years,  Balance sheet, 6 month bank statement.
  3. Legal Documents for creating mortgage as per requirement
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