Against your existing shares, debentures, bonds or mutual funds, Saraswat Bank grants loan up to maximum of Rs. 10 Lakh.


  1. Individuals who are not connected with any Stock Broking firm or activity.

Limit of Loan:

  1. Maximum Rs. 10.00 lakh in case of securities in Demat form.
  2. Maximum Rs. 5.00 lakh in case of securities in physical form.

Basis of Advance:

  1. 50% of the market value of securities. (as per approved list)
  2. Loan can be granted against shares in demat form only

Repayment Period:

  1. Overdraft facility subject to review every year

Rate of interest:

  1. Floating (PLR- 5): 9% p.a. (w.e.f. - 01-08-2021)
  2. Present PLR: 14% p.a.


  1. Pledge of shares / securities
  2. Minimum 2 scrips, no single scrip can exceed 50% of the current market value of the portfolio and the same can be extended to Maximum 75% only in case of A group companies.

Processing Fees:

  1. Pledging charges as applicable


  1. As per extant shareholding norms


  1. Duly filled prescribed application form.
  2. Latest Photograph, Photo Identity & Residence Proof of the Applicant & Guarantor.
  3. Declaration from borrower not being connected to any stock broking activity/firm.

Conditions Apply*

Mile yahan, Dono Jahan

True to its new tag line, "Mile Yahan Dono Jahan", Saraswat Bank is committed to bridging the gap between technology and tradition by bringing to its customers the best of both worlds.

Keeping tradition intact and embracing technology, the Bank has matched strides with India's digital revolution by offering various digital banking services designed to make banking more easy and convenient like mobile banking, internet banking, international VISA EMV and RuPay chip cards, etc. Simultaneously, through its emphasis on personalized attention, the Bank has maintained its personal touch with customers. Agility of the small bank with the ability of the large bank has been Saraswat Bank's enduring heritage new.

Contact Saraswat Bank

Corporate Office
Saraswat Co-operative Bank Limited
Ekanath Thakur Bhawan 953, Appasaheb Marathe Marg, Prabhadevi. Mumbai- 400 025
Tel: [+91] (022) 6600 5555