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Offering you the best services at no extra cost, Saraswat Bank’s Elite Current Account can be availed by maintaining a balance of Rs. 15,000/-(Urban branches) and Rs. 10,000/-(Rural branches). From internet and mobile banking to Easy Pay Facility, the Elite Current Account comes handy with many other constructive facilities. This account can be maintained with an average monthly balance of Rs. 15,000/- (Urban branches) and Rs. 10,000/- (Rural branches).

Features & Benefits:

  1. Free Personal Accident Insurance cover of Rs.2 lakh for a period of one year to the first account holder only. 2nd year onwards Rs.26/- inclusive of appl tax.
  2. 200 cheque leaves free per year, thereafter Rs 2/- per leaf. (T&C apply)
  3. 4 DDs/POs are free at Saraswat Bank locations in a month, thereafter Rs. 50/- + GST per DD/PO.
  4.  Free AMC waiver for first 5 years on Debit Card
  5. Free Internet banking, Mobile banking.
  6. Free AMC for initial 2 years on opening Demat Account.
  7. RTGS/NEFT Outwrd at the branch: Free 10 RTGS/NEFT per month, thereafter Rs. 25/- per transaction above limit.
  8. Cash handling (Deposit) Charges at home and non-home branch: Free monthly limit - 10 times of previous month's AMB.
    Chargeable: Beyond free limit Rs. 3 per Rs. 1000/- (T&C apply).
  9. No Cash handling Charges at home and non-home branch. (T&C apply)




  1. Ledger Folio charges- Rs.150/- per quarter.
  2. QR sound box service available (T&C apply)
  3. POS machine facility available (T&C apply)

  1. Click on Know more for other benefits and service charges.

Eligibility:

  1. Individuals
  2. Businessmen
  3. Organizations
  4. Housing society
  5. Commercial Complexes

Service Charge:

  1. ATM Transactions
      Saraswat Bank ATM - Free Cash withdrawal / Balance enquiry at Saraswat bank ATM.
      Other Bank ATM - Free 10 transactions per month. Thereafter Rs 21/- + GST per financial transaction and Rs 10/- +
      GST per for non-financial transaction will  be chargeable.
  1. Non-maintenance of minimum AMB: Rs. 500/- p.m. (proportinoate shortfall).

Documents:

  1. Click here to download KYC documents submission requirement.

For existing customers of this variant, the revised features & changes will be applicable from 1st October 2025.