Loaded with the finest banking services to ensure that our customers have the best experience, the Elite Gold Account is the best savings account for all your needs. With  Sweep In/Sweep Out facility, this account can be maintained with an average quarterly balance of Rs. 100000/- only.


  1. Individuals (singly or jointly)
  2. Minor by guardian
  3. Organizations
  4. Co-op. societies

Minimum balance:

  1. Initial deposit for opening the account is Rs.100000.
  2. Average quarterly balance to be maintained is Rs.100000.

Rate of Interest:

3% p.a. w.e.f. 1st June 2020

Free Personal Accident Cover of Rs. 2 lacs:

  1. Free for initial 5 years
  2. Thereafter Rs. 26/-  inclusive of applicable tax

Special facilities/features:

  1. Unlimited number of personalized cheque leaves are free.
  2. Issuance of DDs/POs is free on Saraswat Bank locations.
  3. Demat account: No annual maintenance charges for life time.
  4. AMC waiver on Rupay/Visa debit Card for lifetime.
  5. Sweep In Sweep Out Facility is Available
  6. Internet Banking, Mobile Banking facility is free
  7. No charges applicable on NEFT/RTGS for Online/Branch Transaction
  8. Interest rate concession on Advantage /Privilege / MPLS : 1% concession on prevalling interest rate
  9. 100% Concession in processing fee of car loan  ( T&C Apply)
  10. concession on International remittances/TC issue / Currency Issue (T&C Apply) 

Service charges -
  1. ATM transactions

Saraswat Bank ATM-First 5 financial transactions per month  are free . Thereafter Rs 10/- +GST per financial transaction. Non Financial  ATM transactions are free.
Other Bank ATM- first 3 transactions in Metro and 5 transactions in non-metro including financial and non-financial  are free in a month. Thereafter Rs 20/- + GST per financial and Rs 10/- + GST per non-financial transactions would be chargeable.

  1. Non-maintenance of minimum AQB : Rs.1000/- per quarter
  2. Account closure charges:

If within 1 year: Rs.750 + Rs.5 per unused cheque


Click here to download KYC documents submission requirement.