Call Us : 9324088012 / 7208921216

Current Range of Loan products.

Home Loan :
Features & Benefits of SBI Home Loan

• Purchase/ Construction of House/ Flat. • Purchase of a plot of land for construction of House.
• Lowest Home Loan Interest Rates.
• Extension/ repair/ renovation/ alteration of an existing House/ Flat.
• Takeover of an existing loan from other Banks/ Housing Finance Companies.
• Interest charged on the daily reducing balance.
• No penalty on prepayments
• No hidden costs
• Option to club income of your spouse and children to compute eligible loan amount.

Car Loan :

• No Advance EMI
• Long repayment tenure (5 years)
• Attractive interest rates
• Affordable EMI
• Interest Calculated on Monthly Reducing Balance
• Flexibility of payment of EMI anytime during the month
• No pre-payment penalty
• Free Accident insurance

Loan Against Property :

Benefits of the Saraswati Loan Against Property
• Complete transparency in operations.
• Access this loan from our wide network of branches.
• Interest rates are levied on a monthly reducing balance method.
• Low processing charges.
• Long repayment period of 36 months, upto 60 months for salaried individuals with check-off facility.
• No Hidden costs or administrative charges.
• No prepayment penalties. You can have surplus funds at any time thereby conveniently reducing your loan liability and interest burden.

Overdraft Facility :

• No Advance EMI
• Long repayment tenure (5 years)
• Attractive interest rates
• Affordable EMI
• Interest Calculated on Monthly Reducing Balance
• Flexibility of payment of EMI anytime during the month
• No pre-payment penalty
• Free Accident insurance

Loan Against Deposit / Shares :

This Double Money Scheme is for your Future Planning.Mainly Deposited keeping in mind your Children’s studies / Marriage / Old Age Security deposited will be doubled after 78 Months.

Commercial Real Estate & Mortagages
A mortgage represents a loan or lien on commercial or residential property that has to be paid over a specified period of time.
Your property can help you get ready funds to fuel your business and accelerate growth.
Our Mortgage solutions are aimed at providing customized products which will ease out your worries and drive you closer to your goals.

Product Benefit Product Name
• Enables you to get liquidity against your property without selling it. • Loan Against Property (LAP)
• Aimed at providing finance to property owners who have fixed rent receivables from tenants. • Lease Rental Discounting (LRD)
• Aimed at providing financial assistance to Real Estate developers for acquisition and construction cost. • Construction Finance
• Aimed at providing financial assistance to purchase commercial property for business needs. • Commercial Property Purchase Loan
Gold Loans
Why go for Personal or Business Loan when you have the power of gold with you! Get a loan against your gold, in minutes!
• Draw instant Cash by pledging your Gold Ornaments and Jewellery.
• Higher loan amounts, depending on purity, net weight of the gold.
• Choose from a range of schemes; there’s one just right for your needs.
• Minimum Requirements: Only one recent ID—Voter ID/ Ration Card/ Driving License/ Passport. No time-consuming formalities involved.
• Pay interest only for the exact period of loan, and to the exact number of days.
• Different schemes for different needs, to suit all income groups.

Vehicle Loans
• Saraswati Group offers uniquely tailored Two Wheeler / Three Wheeler /Four Wheeler Loan products that take the pain
and hassle out of buying a Vehicle for Personal use or for generation of income.
• Flexible, transparent, quick, and cost-effective, our Vehicle Loans put the joy back into owning a car.
• At Saraswati Group, we realize that owning a car has increasingly become a necessity.
But we also realize that the price tag of your dream car may be just outside your immediate grasp.
Saraswati Bank’s Auto Loans are just what you need to bridge the gap.
• Car Loan value calculated on ex-showroom price of the vehicle
• Attractive interest rates on Vehicle Loans
• Auto loans available for salaried and self-employed individuals, proprietorships, HUF, Partnership firms,
Limited Liability Partnership Firms, Trusts, Societies and Companies

Our Near Future-Ready to Launch Loan Products
Capital Market The Capital Markets Group offers its customers the best opportunity for maximizing their investments in equity,
debt, mutual funds or insurance policies. It also provides liquidity against their existing investments and options to multiply it.

Product Benefit Product Name
• Enables you to take a loan against equity shares. • Loan Against Shares
• Enables you, as a promoter, to fulfill your finance requirements by capitalizing on the value of your holdings. • Promoter Funding
• Enables you to leverage your existing investments in mutual funds. • Loan Against Mutual Fund Units - LAMF
• Enables you to leverage your existing life insurance policies. • Loan Against Life Insurance Policies - LAIP
• Enables you to invest/leverage/trade in equity shares at a pre-defined margin • Margin Trade Funding
• Designed to enables you to invest/leverage/trade in equity shares at a pre-defined margin • IPO Financing
• Designed to provide Specialized and Customized Solution for every company and employee.
Project & Structured Finance
With a view to capitalize on the opportunities in the infrastructure, core and emerging sectors,
Saraswati Group Finance Wing has expanded its product suite to include project and structured finance solutions catering primarily to the growing
mid-market clients across the country. Through this initiative,
Saraswati Group would not only provide finance but syndication and financial services leveraging on its synergies across businesses.
The company hopes to thus contribute to the development of infrastructure facilities of the country which is a key driver for growth and development

Corporate Finance
The Corporate Finance Group deals with SMEs, mid-corporate and large corporate clients and aims to provide customized financing solutions to meet their working capital and growth finance needs. We understand that your business depends on efficient utilization of funds and a lot depends on a well-organised fund flow system to keep your business running. Aditya Birla Finance helps you do just that.

Product Benefit Product Name
• Enables timely funds for your business needs • SME Loans
• Enables you to protect your business against the volatile currency movement • Treasury Risk Solutions
• Enables you to raise short-term and long-term capital for your growing business. • Structured Finance
• Enables you to have a dependable source of working capital to fuel your business. • Working Capital Demand Loan
• Enables you to get finance in a way that best fits your financial needs. • Term Loan
• Enables you to convert your receivables into cash which in turn improves liquidity resulting into a healthy and continuous cash flow for your business. • Supply Chain Financing Solutions - Invoice Discounting
Home Loans
At Saraswati Group, we provide loans for purchase, construction and extension of dwelling units. We offer customised Home Loan solutions with best-in-class services, full-fledged domain knowledge and simplified loan procedures. Saraswati Group excels in providing a complete bouquet of services to customers to meet their Home Loan needs.With robust service delivery model and mark to market credit & financial policies help customers build a long term relationship of trust and commitment.

Advantages of taking Home Loan from Saraswati Group
• Provides an extensive range of home loan products like Home Purchase Loans, Home Construction Loans, Home Extension Loans, Home Improvement Loans and Plot Loans.
• Vision of Pan India branch network with same standard of service
• Robust service delivery model - door step services ensuring easy and fast approval & disbursal of loans
• Excellent post disbursement services
• Facility of enhancement in loan amount in the event of escalations in cost
• Dedicated team of well-experienced employees who work on best-in-class information systems & network to deliver and provide customer satisfaction
• High standards of ethics, integrity and transparency
• Various repayment options.

Following deposit accounts are offered by Saraswati Group of Finance to Resident Indians