Saraswat Bank Home Loan
Saraswat Bank Home Loan
Saraswat Bank Home Loan
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Saraswat Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Saraswat Bank Home Loan Key Highlights
Get the lowest interest rates with Saraswat Bank Home Loan
Loan Amount: Up to a maximum of Rs. 3 crore per individual applicant
Rate of Interest: 7.50% per annum onwards
Processing Fee: Rs. 2,500
Rs. 7,500 (taxes additional) for salaried applicants; With no insurance - 0.20% or Rs. 7,500 (whichever is higher); With insurance - Rs. 7,500 + taxes
Maximum Tenure for Repayment: Up to a max of 20 years (including moratorium period)
Rate Packages: Floating
Charges for Prepayment/Foreclosure: Prepayment charges are levied
Saraswat Bank Home Loan Interest Rates in 2026
The rate of interest on all home loans sanctioned by Saraswat Bank ranges from 7.50% per annum to 8.90% per annum. Please note that the Saraswat Bank home loan interest rate is likely to vary based on the applicant's CIBIL score.
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Saraswat Home Plus | 7.50% p.a. - 8.90% p.a. |
| Women loan applicants are eligible to be classified as Priority Sector Lending | 0.05% concession |
| Top-Up Loan | Fixed at 0.75% p.a. |
Saraswat Bank Home Loan Eligibility Criteria
For Salaried Individuals
Age Range (in years)
23-65 years
Nationality
Resident Indian
Minimum Income Earned
Minimum Rs. 30,000 per month
For Self-Employed Individuals
Age Range (in years)
23-65 years
Nationality
Resident Indian
Minimum Income Earned
Minimum Rs. 30,000 per month
Saraswat Bank Home Loan Processing Fee and Charges
The bank imposes administrative costs to handle loan applications. Here's the breakdown:
| Charge Type | Amount / Details |
| Processing Fee | Salaried employees: Rs. 2,500 + taxes (up to Rs. 35 lakh); Rs. 5,000 + taxes (Rs. 35 lakh–Rs. 2 crore); Rs. 7,500 + taxes (Rs. 2–3 crore) Self-employed: 0.20% without insurance or Rs. 7,500 (whichever is higher); Rs. 7,500 + taxes with insurance |
| CIBIL, FI, CERSAI Charges | None |
Saraswat Bank Home Loan Schemes and Top Plans
To meet the diverse needs of its customers and their specific home requirements, Saraswat Bank offers borrowers a range of home loan options. Some of these are shared below for your better understanding with their prominent features.
- For home construction, purchase of an under-construction/ready-built flat/house/resale flat
- To take over home loans from other banks/NBFCs
- A total of Rs. 3 crore per individual home loan applicant
- For repaying any debt undertaken for home renovations/repairs/extensions
- A top-up loan of up to Rs. 10 lakhs is available for a maximum duration of 17 years
- Fixed rate of interest at 8.50% per annum
Vastu Siddhi Housing Loan
- Loan amount for building one's own house, buying a read-built house or flat, and taking over home loans from other banks and NBFCs
- A total of Rs. 1.4 crore per beneficiary per dwelling unit
- Vastu Siddhi customers are offered a pre-sanction credit card up to a maximum limit of Rs. 5 lakhs
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Saraswat Bank Home Loan, taking into consideration the earning and repayment capacity of the applicant.
Apply Home Loan Through BASIC Home Loan
Ready to own a home? You can easily apply for a Saraswat Bank home loan via the BASIC Home Loan website in 3 easy steps below:
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
Our Expert Will Reach Out to You
A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
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