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In the course of using Saraswat Bank website or mobile application availing the products and services vide the online application forms and questionnaires, saraswat Bank and its affiliates may become privy to the personal information of its users, including information that is of a confidential nature.

SARASWAT Bank is strongly committed to protecting the privacy of its users and hastaken all necessary and reasonable measures to protect the confidentiality of the userinformation and its transmission through the world wide web and it shall not be heldliable for disclosure of the confidential information when in accordance with thisPrivacy Commitment or in terms of the agreements, if any, with the users.

SARASWAT Bank endeavours to safeguard and ensure the security of the informationprovided by the user. The user would be required to cooperate with SARASWAT Bankin order to ensure the security of the information, and it is recommended that the usersnecessarily choose their passwords carefully such that no unauthorised access ismade by a third party. The users should undertake not to disclose their password toanyone or keep any written or other record of the password such that a third partycould access it. SARASWAT Bank undertakes not to disclose the information providedby the users to any person, unless such action is necessary to:
  1. Conform to legal requirements or comply with legal process;
  2. Protect and defend SARASWAT Bank's or its Affiliates' rights, interests or property;
  3. Enforce the terms and conditions of the products or services; or
  4. Act to protect the interests of SARASWAT Bank, its Affiliates, or its members, constituents or of other persons.

The users shall not disclose to any other person, in any manner whatsoever, anyinformation relating to SARASWAT Bank or its Affiliates of a confidential natureobtained in the course of availing the services through the website. Failure to complywith this obligation shall be deemed a serious breach of the terms herein and shallentitle SARASWAT Bank or its Affiliates to terminate the services, without prejudice toany damages, to which the user may be entitled otherwise.

SARASWAT Bank will limit the collection and use of user information only on a needto-knowbasis to deliver better service to the users. SARASWAT Bank may use andshare the information provided by the users with its Affiliates and third parties forproviding services and any service-related activities such as collecting subscriptionfees for such services, and notifying or contacting the users regarding any problemwith, or the expiration of, such services. In this regard, it may be necessary to disclosethe user information to one or more agents and contractors of SARASWAT Bank andtheir sub-contractors, but such agents, contractors, and sub-contractors will berequired to agree to use the information obtained from SARASWAT Bank only forthese purposes.

The user authorises SARASWAT Bank to exchange, share, part with all informationrelated to the details and transaction history of the users to its Affiliates / banks /financial institutions / credit bureaus / agencies/participation in any telecommunicationor electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management andshall not hold SARASWAT Bank liable for use or disclosure of this information.

Any information that is freely available or accessible in public domain or furnished under the right to Information Act,2005 or any law for the time being in force shall not be regarded as data or information for the purpose of this  and the bank shall not be responsible for the same. The Bank may from time to time may change this policy.

The privacy practices set forth in this policy are for www.saraswatbank.com website and mobile application only. Saraswat Bank website may contain links to other websites of similar interest. However, once user click these links and leave the bank’s website, user should note that Saraswat Bank does not have any control over other websites. Therefore, Saraswat Bank cannot be responsible for the protection and privacy of any information which user provide whilst visiting such websites and such websites are not governed by this privacy statement. User should exercise caution and look at the privacy statement applicable to the respective website(s).

When user access Saraswat Bank website from a computer, mobile application from mobile phone, or other device, the bank may collect information from that device about the browser type, location, and IP address, as well as the pages user visits. The websites keeps track of the pages a user may visit by appropriately capturing the IP addresses, browser information, etc. using cookies. The information collected using cookies might be used for analysis of user behaviour. Saraswat Bank is not liable if the cookies are used by advertisers or any other third parties when user visit Saraswat Bank website or mobile application from other sites or if user visit another site after visiting Saraswat Bank website / mobile application.


Large Cap Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Top 100 Fund Nil 0.7% 0.7% 0.7% Nil 1.5% 0.7% 0.7%
Reliance Large Cap Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
L&T India Large Cap Fund Nil 1.1% 1.1% 1.1% Nil 1.1% 1.1% 1.1%
LIC MF Large Cap Fund Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
Large & Mid Cap Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Growth Opportunities Fund Nil 0.95% 0.95% 0.95% Nil 1.5% 0.95% 0.95%
Reliance Vision Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
L&T Large And Mid Cap Fund Nil 1.05% 1.05% 1.05% Nil 1.05% 1.05% 1.05%
LIC MF Large & Midcap Fund Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
Multi Cap Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Equity Fund Nil 0.7% 0.7% 0.7% Nil 1.5% 0.7% 0.7%
HDFC Capital Builder Value Fund Nil 0.8% 0.8% 0.8% Nil 1.5% 0.8% 0.8%
HDFC Focused 30 Fund Nil 1.05% 1.05% 1.05% Nil 1.05% 1.05% 1.05%
Reliance Multi Cap Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Focussed Equity Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Value Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
L&T India Value Fund Nil 0.85% 0.85% 0.85% Nil 0.85% 0.85% 0.85%
L&T Focused Equity Fund Nil 1.1% 1.1% 1.1% Nil 1.1% 1.1% 1.1%
L&T Equity Fund Nil 1.1% 1.1% 1.1% Nil 1.1% 1.1% 1.1%
L&T Dynamic Equity Fund Nil 1.1% 1.1% 1.1% Nil 1.1% 1.1% 1.1%
LIC MF Multi Cap Fund Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
Mid Cap Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Mid Cap Opportunities Fund Nil 0.7% 0.7% 0.7% Nil 1.5% 0.7% 0.7%
Reliance Growth Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
L&T Mid Cap Fund Nil 1% 1% 1% Nil 1% 1% 1%
Small Cap Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Small Cap Fund Nil 0.75% 0.75% 0.75% Nil 1.5% 0.75% 0.75%
Reliance Small Cap Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
L&T Emerging Businesses Fund Nil 0.85% 0.85% 0.85% Nil 0.85% 0.85% 0.85%
Sectorial & Thematic
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Infrastructure Fund Nil 1% 1% 1% Nil 1.5% 1% 1%
Reliance Banking Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Pharma Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Consumption Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Power & Infra Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Japan Equity Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Us Equityopportunities Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Quant Fund Nil 0.6% 0.6% 0.6% Nil 1.6% 0.6% 0.6%
L&T Infrastructure Fund Nil 1.05% 1.05% 1.05% Nil 1.05% 1.05% 1.05%
L&T Business Cycles Fund Nil 1.1% 1.1% 1.1% Nil 1.1% 1.1% 1.1%
LIC MF Banking & Financial Services Fund Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
LIC MF Infrastructure Fund Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
Goal Based
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Retirement Savings Fund Nil 1% 1% 1% Nil 1.5% 1% 1%
HDFC Children's Gift Fund Nil 0.85% 0.85% 0.85% Nil 1.5% 0.85% 0.85%
Reliance Retirement Fund - Wealth Creation Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Reliance Retirement Fund - Income Generation Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
LIC MF Children's Gift Fund Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
ELSS Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Tax Saver Fund Nil 0.75% 0.75% 0.75% Nil 1.5% 0.75% 0.75%
Reliance Tax Saver Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
L&T Tax Advantage Fund Nil 1% 1% 1% Nil 1% 1% 1%
LIC MF Tax Plan Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
LIC MF Unit Linked Insurance Scheme Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
Aggressive Hybrid Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Hybrid Equity Fund Nil 0.7% 0.7% 0.7% Nil 1.5% 0.7% 0.7%
HDFC Multi-Asset Fund Nil 1% 1% 1% Nil 1.5% 1% 1%
Reliance Equity Hybrid Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
L&T Hybrid Equity Fund Nil 0.85% 0.85% 0.85% Nil 0.85% 0.85% 0.85%
LIC MF Equity Hybrid Fund Nil 1.6% 1.6% 1.6% Nil 2.85% 1.6% 1.6%
Balance Advantage Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Balanced Advantage Fund Nil 0.65% 0.65% 0.65% Nil 1.5% 0.65% 0.65%
Reliance Balanced Advantage Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
Equity Savings Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Equity Savings Fund Nil 0.75% 0.75% 0.75% Nil 1.5% 0.75% 0.75%
Reliance Equity Savings Fund Nil 0.9% 0.9% 0.9% Nil 1.9% 0.9% 0.9%
L&T Equity Savings Fund Nil 0.8% 0.8% 0.8% Nil 0.8% 0.8% 0.8%
Arbitrage Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Arbitrage Fund Nil 0.45% 0.45% 0.45% Nil 0.45% 0.45% 0.45%
Reliance Arbitrage Fund Nil 0.5% 0.5% 0.5% Nil 0.5% 0.5% 0.5%
L&T Arbitrage Opportunities Fund Nil 0.4% 0.4% 0.4% Nil 0.4% 0.4% 0.4%
LIC MF Arbitrage Fund Nil 0.5% 0.5% 0.5% Nil 0.5% 0.5% 0.5%
Liquid Funds (Overnight,Liquid)
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Overnight Fund Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
HDFC Liquid Fund Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
Reliance Overnight Fund Nil 0.07% 0.07% 0.07% Nil 0.07% 0.07% 0.07%
Reliance Liquid Fund Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
L&T Cash Fund Nil 0.6% 0.6% 0.6% Nil 0.6% 0.6% 0.6%
L&T Liquid Fund Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
LIC MF Liquid Fund Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
Money, Ultra & Low Duration Funds (Ultra Short Duration/Low Duration/ Money Market/Floater)
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Ultra Short Term Fund Nil 0.25% 0.25% 0.25% Nil 0.25% 0.25% 0.25%
HDFC Low Duration Fund Nil 0.55% 0.55% 0.55% Nil 0.55% 0.55% 0.55%
HDFC Money Market Fund Nil 0.1% 0.1% 0.1% Nil 0.1% 0.1% 0.1%
HDFC Floating Rate Debt Fund Nil 0.1% 0.1% 0.1% Nil 0.3% 0.1% 0.1%
Reliance Money Market Fund Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
Reliance Ultra Short Duration Fund Nil 0.7% 0.7% 0.7% Nil 0.7% 0.7% 0.7%
Reliance Low Duration Fund Nil 0.2% 0.2% 0.2% Nil 0.2% 0.2% 0.2%
Reliance Floating Rate Fund Nil 0.2% 0.2% 0.2% Nil 0.2% 0.2% 0.2%
L&T Money Market Fund Nil 0.2% 0.2% 0.2% Nil 0.2% 0.2% 0.2%
L&T Ultra Short Term Fund Nil 0.2% 0.2% 0.2% Nil 0.2% 0.2% 0.2%
L&T Low Duration Fund Nil 0.4% 0.4% 0.4% Nil 0.4% 0.4% 0.4%
LIC MF Savings Fund Nil 0.4% 0.4% 0.4% Nil 0.4% 0.4% 0.4%
Short Term 1-3 Years (Corporate Bond/ Banking & PSU/Short Duration)
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Short Term Debt Fund Nil 0.1% 0.1% 0.1% Nil 0.1% 0.1% 0.1%
HDFC Corporate Bond Fund Nil 0.1% 0.1% 0.1% Nil 0.1% 0.1% 0.1%
HDFC Banking and PSU Debt Fund Nil 0.35% 0.35% 0.35% Nil 0.35% 0.35% 0.35%
Reliance Short Term Fund Nil 0.7% 0.45% 0.45% Nil 0.7% 0.45% 0.45%
Reliance Banking & PSU Fund Nil 0.15% 0.15% 0.15% Nil 0.15% 0.15% 0.15%
Reliance Prime Debt Fund Nil 0.2% 0.2% 0.2% Nil 0.2% 0.2% 0.2%
L&T Short Term Bond Fund Nil 0.35% 0.35% 0.35% Nil 0.35% 0.35% 0.35%
L&T Banking and PSU Debt Fund Nil 0.25% 0.25% 0.25% Nil 0.25% 0.25% 0.25%
L&T Resurgent India Bond Fund Nil 0.8% 0.8% 0.8% Nil 0.8% 0.8% 0.8%
L&T Flexi Bond Fund Nil 0.7% 0.7% 0.7% Nil 0.7% 0.7% 0.7%
L&T Triple Ace Bond Fund Nil 0.25% 0.25% 0.25% Nil 0.25% 0.25% 0.25%
LIC MF Short Term Debt Fund Nil 0.8% 0.8% 0.8% Nil 0.8% 0.8% 0.8%
LIC MF Banking & PSU Debt Fund Nil 0.45% 0.45% 0.45% Nil 0.45% 0.45% 0.45%
Dynamic Debt (Medium to Long Duration/ Dynamic Bond/Gilt)
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Medium Term Debt Fund Nil 0.65% 0.65% 0.65% Nil 0.65% 0.65% 0.65%
HDFC Dynamic Debt Fund Nil 0.75% 0.75% 0.75% Nil 0.75% 0.75% 0.75%
HDFC Gilt Fund Nil 0.45% 0.45% 0.45% Nil 0.45% 0.45% 0.45%
HDFC Income Fund Nil 0.90% 0.90% 0.90% Nil 1.00% 0.90% 0.90%
Reliance Dynamic Bond Fund Nil 0.80% 0.80% 0.80% Nil 0.80% 0.80% 0.80%
Reliance Income Fund Nil 1.05% 0.85% 0.85% Nil 1.05% 0.85% 0.85%
Reliance Gilt Securities Fund Nil 0.85% 0.85% 0.85% Nil 0.85% 0.85% 0.85%
Reliance Nivesh Lakshya Fund Nil 0.20% 0.20% 0.20% Nil 0.20% 0.20% 0.20%
L&T Gilt Fund Nil 0.50% 0.50% 0.50% Nil 0.50% 0.50% 0.50%
LIC MF Bond Fund Nil 0.15% 0.15% 0.15% Nil 0.15% 0.15% 0.15%
LIC MF GSEC FUND Nil 0.55% 0.55% 0.55% Nil 0.55% 0.55% 0.55%
Medium & Credit Risk Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Credit Risk Debt Fund Nil 0.60% 0.60% 0.60% Nil 1.00% 0.60% 0.60%
Reliance Credit Risk Fund Nil 0.80% 0.80% 0.80% Nil 1.55% 0.80% 0.80%
Reliance Strategic Debt Fund Nil 0.75% 0.75% 0.75% Nil 0.75% 0.75% 0.75%
L&T Credit Risk Fund Nil 0.75% 0.75% 0.75% Nil 0.75% 0.75% 0.75%
Conservative Hybrid Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Hybrid Debt Fund Nil 0.75% 0.75% 0.75% Nil 1.50% 0.75% 0.75%
Reliance Hybrid Bond Fund Nil 0.90% 0.90% 0.90% Nil 1.90% 0.90% 0.90%
L&T Conservative Hybrid Fund Nil 0.75% 0.75% 0.75% Nil 0.75% 0.75% 0.75%
LIC MF Debt Hybrid Fund Nil 1.15% 1.15% 1.15% Nil 1.40% 1.15% 1.15%
Index and Exchange Traded Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Index Fund - NIFTY 50 Plan Nil 0.15% 0.15% 0.15% Nil 0.15% 0.15% 0.15%
HDFC Index Fund – Sensex Plan Nil 0.15% 0.15% 0.15% Nil 0.15% 0.15% 0.15%
Reliance Index Fund - Nifty Plan Nil 0.50% 0.50% 0.50% Nil 0.50% 0.50% 0.50%
Reliance Index Fund - Sensex Plan Nil 0.50% 0.50% 0.50% Nil 0.50% 0.50% 0.50%
LIC MF Index Fund - Sensex Plan Nil 0.50% 0.50% 0.50% Nil 0.50% 0.50% 0.50%
LIC MF Index Fund - Nifty Plan Nil 0.50% 0.50% 0.50% Nil 0.50% 0.50% 0.50%
LIC MF Exchange Traded Fund - Nifty 50 Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
LIC MF Exchange Traded Fund - Nifty 100 Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
LIC MF Exchange Traded Fund - Sensex Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
LIC MF GSec Long Term Exchange Traded Fund Nil 0.05% 0.05% 0.05% Nil 0.05% 0.05% 0.05%
Fund of Funds
T-30 Cities B-30 Cities
Eqity Funds Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year Upfront Trail 1st Year Trail 2nd Year Trail 3rd Year
HDFC Gold Funds Nil 0.30% 0.30% 0.30% Nil 0.30% 0.30% 0.30%
HDFC Dynamic PE Ratio Fund of Funds Nil 0.50% 0.50% 0.50% Nil 0.50% 0.50% 0.50%
Reliance Gold Savings Fund Nil 0.25% 0.25% 0.25% Nil 0.25% 0.25% 0.25%

Mile yahan, Dono Jahan

True to its new tag line, "Mile Yahan Dono Jahan", Saraswat Bank is committed to bridging the gap between technology and tradition by bringing to its customers the best of both worlds.

Keeping tradition intact and embracing technology, the Bank has matched strides with India's digital revolution by offering various digital banking services designed to make banking more easy and convenient like mobile banking, internet banking, international VISA EMV and RuPay chip cards, etc. Simultaneously, through its emphasis on personalized attention, the Bank has maintained its personal touch with customers. Agility of the small bank with the ability of the large bank has been Saraswat Bank's enduring heritage new.

Contact Saraswat Bank

Corporate Office
Saraswat Co-operative Bank Limited
Ekanath Thakur Bhawan 953, Appasaheb Marathe Marg, Prabhadevi. Mumbai- 400 025
Tel: [+91] (022) 2400 5555
Email: corporatecenter@saraswatbank.com