The Saraswat Cooperative Bank Ltd.

A Century of Excellence in Urban Co-operative Banking

Marching parallel to India’s growth and history, The Saraswat Cooperative Bank Ltd. has completed over a century of uninterrupted service. Founded in 1918, the bank has weathered world-changing events—the First and Second World Wars, India’s freedom struggle, and the post-independence era—emerging stronger and more committed to serving the financial needs of the nation.

From its humble beginnings to becoming the largest urban co-operative bank in India, Saraswat Bank has consistently demonstrated resilience, innovation, and customer-centric banking. Its 106-year legacy stands as a testament to its credibility, trust, and excellence in financial services.

Our Legacy and Milestones

Historical Timeline

• 1918: The bank was founded, establishing the foundation of urban co-operative banking in India.

• Post-Independence Era: Expanded operations to cater to a growing economy and diverse clientele.

• Modern Growth: Today, Saraswat Bank operates across eight states—Maharashtra, Goa, Gujarat, Delhi, Madhya Pradesh, Karnataka, Haryana, and Uttar Pradesh.

Key Achievements

• Total Business: As of March 2025, Saraswat Bank manages Rs. 91,800 crore, nearing Rs. 1,00,000 crore.

• Branches & ATMs: 311 branches and over 350 ATMs provide nationwide accessibility.

• Customer Base: Serving individuals, entrepreneurs, and corporate clients across generations.

• Industry Recognition: Acknowledged for excellence in urban co-operative banking, trust, and innovation.

Our Mission

"To emerge as one of the premier and most preferred banks in the country by adopting the highest standards of professionalism and excellence in all areas of working."

Saraswat Bank is driven by a commitment to superior customer service, financial innovation, and integrity. Its mission ensures that all products and services are aligned with the evolving needs of its clientele, including retail banking, corporate banking, loans, and investment solutions.

Building Trust Across Generations

True to its tagline, ‘Building Trust Across Generations’, Saraswat Bank’s foundation rests on:

• Trust: Long-standing relationships with customers spanning multiple generations.

• Integrity: A legacy built on transparency and ethical banking practices.

• Service Excellence: Consistently delivering professional, personalized, and innovative financial solutions.

Whether it is the common depositor, budding entrepreneur, or leading corporate entity, Saraswat Bank treats every customer as a valued stakeholder in its growth journey.

Comprehensive Financial Services

Retail Banking

• Savings Accounts

• Current Accounts

• Fixed Deposits

• Recurring Deposits

• Digital Banking Services

Loan Products

• Personal Loans

• Gold Loans

• Home Loans

• Business & Corporate Loans

• Vehicle & Education Loans

Investment & Wealth Management

• Mutual Funds

• Insurance Products

• Retirement & Pension Plans

• Advisory Services for Investment Planning

Corporate Banking

• Working Capital Finance

• Trade Finance Solutions

• Business Expansion Loans

• Cash Management Services

With a diverse portfolio, the bank caters to every customer segment, combining traditional banking values with modern financial solutions.

Technological Advancements and Innovation

Saraswat Bank continuously leverages cutting-edge technology to enhance customer convenience:

• Digital Banking: Seamless online and mobile banking platforms for easy transactions.

• ATMs: Over 350 ATMs across operational states, providing quick and convenient access to funds.

• Secure Transactions: Advanced security protocols ensure safe banking experiences.

• Customer Support: 24/7 assistance across all banking channels, ensuring uninterrupted service.

The integration of technology allows the bank to serve urban and semi-urban customers efficiently while maintaining high standards of transparency and security.

Commitment to Community and CSR

Saraswat Bank’s vision goes beyond business. It actively contributes to community welfare through:

• Financial literacy programs

• Support for small businesses and startups

• Educational initiatives and scholarships

• Sustainable banking practices

By aligning business goals with social responsibility, Saraswat Bank ensures long-term community impact while maintaining financial growth.

Our Reach and Accessibility

With 311 branches and over 350 ATMs across eight states, Saraswat Bank ensures that quality banking services are accessible to all. Customers can conveniently locate branches and ATMs through the bank’s website or digital platforms. The strategic distribution of branches enhances connectivity, making banking seamless for urban and semi-urban populations alike.

Why Choose The Saraswat Cooperative Bank?

• Century-Old Legacy: Over 106 years of trusted service.

• Wide Reach: Presence across eight Indian states.

• Diverse Offerings: Retail, corporate, loans, investment, and wealth management solutions.

• Customer-Centric Approach: Personalized services for every client segment.

• Technological Integration: Digital banking, ATMs, and secure online platforms.

• Integrity and Transparency: Ethical practices in all banking operations.

• CSR Initiatives: Commitment to community welfare and financial literacy.

Saraswat Bank’s comprehensive approach to banking ensures every client receives exceptional value, security, and convenience.

Conclusion

The Saraswat Cooperative Bank Ltd. exemplifies excellence, trust, and innovation in India’s urban co-operative banking sector. From its establishment in 1918 to its current operations spanning eight states, the bank has maintained its commitment to customer satisfaction, ethical practices, and financial innovation.

By providing world-class services, leveraging technology, and fostering long-term relationships, Saraswat Bank continues to be a preferred financial partner for individuals, businesses, and corporates. With a legacy of “Building Trust Across Generations,” the bank stands ready to serve the evolving financial needs of India’s population while maintaining its reputation for reliability, transparency, and excellence.