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The Saraswat Bank Regular Savings Account aims to help you become financially secure so you can fulfill your goals in life. A complete package of the best services, Saraswat bank is here to deliver only the best and make banking easy, convenient and technologically advanced.

Average Quarterly Balance:

Minimum AQB w.e.f  01.09.2019

a) For Individuals - including Minor / NRE/ NRO
b) Non- Individuals - Foundation, Society, HUF ,etc
(i) Urban/ Metro branches  = Rs 2000/-
(ii) Semi-Urban branches   = Rs 1000/-
(iii) Rural branches            = Rs 500/-
 
c)For Senior citizen, Pension accounts and Self Help Group (Bachat Gat) (i) Urban/ Metro branches  = Rs 1000/-
(ii) Semi-Urban branches   = Rs 500/-
(iii) Rural branches            = Rs 250/-

Features:

  1. AMC waiver on  Rupay /Visa Debit Card for 1st year
  2. Free Internet banking, Mobile banking
  3. NEFT/ RTGS transactions  ( online/ branch) are free.
  4. AMC waiver on Demat account for 1st year

Interest Rates:

Interest Rate applicable on Savings Deposit Scheme is 3% p.a. w.e.f. 1st June 2020

Eligibility:

Individuals, Organizations


Documents:

Click here to download KYC documents submission requirement.

Service Charges:

  1. Non-maintenance of minimum AQB balance (per quarter)
For General public/ HUF / Society
For Balance upto Rs 2000/-
Urban/ Metro branches-    Rs 50/- 
Semi-Urban Branches-       Rs 30/- 
Rural Branches-                   Rs 20/- 

For balance below Rs 2000/-
Urban/ Metro branches-Rs 150/- 
Semi-Urban Branches-    Rs 100/- 
Rural Branches-                Rs 50/- 
For Sr citizen/ pension account holders/ SHG
For Balance upto Rs 500/-
Urban/ Metro branches - Rs 50/-  
Semi-Urban branches -    Rs 30/-  
Rural Branches          -       Rs 20/-  

For Balance below Rs 500/-
Urban/ Metro branches - Rs 150/- 
Semi Urban Branches - Rs 100/-
Rural branches - Rs 50/-

  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  - 3 transactions in Metro and 5 transactions in non-metro including financial and non-financial are free. Thereafter Rs 20/- per financial transaction and Rs 10/- per non-financial transactions (excl gst) would  be applicable.

  1. Account Closure - If Account is closed within -
      6 months – Rs.200 + Rs.5  per unused cheque.   
      1year        – Rs.150 + Rs.5 per unused cheque.

  1. Cheque leaf charges (Per leaf)  - 
20 cheque leaves free every financial year, thereafter Rs 4/- per cheque leaf
Click Here for other Service Charges