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Devised to cater to SMEs, Corporates and Retail establishments, Saraswat Bank’s Premium Current Account is equipped with maximum benefits. Contemporary technology, Easy Pay Facility and leverages on loan, avail all of this by maintaining an average monthly balance of Rs. 50,000/-(Urban braches)  and Rs. 30,000/- (Rural branches) in your current account.

Features & Benefits:

  1. AMC waiver on Rupay/Visa debit cards for first 7 years.
  2. QR Code with Standee (same day settlement of transactions): Free Issuance and AMC - Rs. 150/-
  3. FREE Personal Accident Death Coverage of Rs.10 lacs for a period of first 5 years to Proprietor and in case of Partnership and Pvt. Ltd. Co. – Anyone of the Partner/Director (Undertaking to be taken from Firm/Company). Further renewal will be at the cost of the customer.
  4. 300 cheque leaves free per year, thereafter Rs 2/- per leaf.
  5. Free Internet banking and Mobile banking facility.
  6. RTGS/NEFT Outwrd at the branch: Free 25 RTGS/NEFT per month, thereafter Rs. 25/- per transaction above limit.
  7. Free unlimited Issue on DD/ PO.
  8. Free monthly account statement by email on registered email id.
  9. Cash handling (Deposit) Charges at home and non-home branch: Free monthly limit - 20 times of previous month's AMB.
      Chargeable: Beyond free limit Rs. 3 per Rs. 1000/- (T&C apply)
  1. No Cash handling Charges at home and non-home branch. (T&C apply)
  2. Free AMC for initial 3 years on opening Demat Account.
  3. 25% Discount on processing fees on retail loans.
  4. Free issuance of balance certificate and solvency certificate.
  5. Ledger folio charges: Free
  6. QR sound box service available (T&C apply)
  7. POS machine service available (T&C apply)
  8. Click on Know more for  service charges.

Eligibility:

  1. Individual
  2. HUF/Trust
  3. Partnership Firms
  4. Proprietorship Concerns
  5. Company (Body corporate)
  6. Commercial complexes
  7. Co-operative Housing Society

Service Charges/ Penalty:

  1. ATM Transaction: 
     Saraswat Bank ATM - Free Cash withdrawal / Balance enquiry at Saraswat bank ATM.
     Other Bank ATM - Free 15 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. 750/- p.m (proportionate to shortfall).

Account Closure:

  1. Within 14 days – No penal charges
  2. Above 14 days up to 6 months - Rs.1000/- + GST.
  3. Above 6 months up to 1 year - Rs.500/- +GST.

Documents:

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.