Saraswat Co-operative Bank, India’s largest Urban Co-operative Bank, has unveiled new home loan rates following RBI’s revision of individual housing loan limits for Primary (Urban) Co-operative Banks (UCBs). Now, Saraswat Bank offers housing loans up to Rs 3 crore per borrower, with interest rates starting at 8.15%—including a 0.05% concession for women borrowers.
The loans come with benefits like quick approval, fast disbursal, flexible tenures, easy EMI options, loan insurance, and seamless takeover facilities. Additionally, the Bank provides Housing Top-Up Loans for renovations, expansions, and refurbishments.
Founded in 1918, Saraswat Bank has a legacy of 106 years built on trust, integrity, and service. Recognized globally, it has been featured in Forbes’ World’s Best Banks list for four consecutive years, named Best Technology Bank in the Co-operative category by IBA for six years, and secured a place in the Fortune India 500 list for five years.
In 2024, it won the CXO Security Innovation Award for Advanced Cybersecurity Framework, the Infosys Innovation Gold Award for Technology-led Infrastructure Augmentation, and the CRIF Data Excellence Award for Best Data Quality in Consumer Bureau.
With 300+ branches and ATMs across Maharashtra, Goa, Gujarat, Karnataka, Madhya Pradesh, and Delhi, the Bank boasts a total business of Rs 82,000 crore, a net profit of Rs 500 crore, and zero Net NPAs (as of 31/03/2024). It also has correspondent ties with over 430 centers across 65 countries, handling nine currencies.
With higher loan limits and competitive rates, Saraswat Bank aims to make homeownership a reality for even more people.
