Login
Bharat Interface for Money (BHIM) is a mobile application that lets you make simple, easy and quick payment transactions using Unified Payments Interface (UPI) with Saraswat Bank. You can easily make bank to bank payments instantly and collect money using Mobile Number or Virtual Payment Address (VPA).

Features:

  1. Request Real-Time Balance anytime.
  2. Access transaction history.
  3. Create, reset or change UPI PIN.
  4. QR code based scan & pay option available.
  5. Generate your own QR code option is also available.
  6. Option to save your beneficiaries for future references.
  7. Report Issue and call Bank facilities are given to lodge complaints.
  8. Available in English and Hindi.
  9. Single App for sending and receiving money and making merchant payments.
  10. Go cashless anywhere anytime. 24x7x365 days’ instantaneous money transfer.
  11. Added security of Single click 2 factor authentications.
  12. Seamless money collection through single identifiers, reduced risks, real time.
  13. Mobile number or Name used to create Virtual Payment Address (VPA). Send and collect using VIRTUAL PAYMENT ADDRESS (VPA) or A/c no & IFSC.

How to access BHIM mobile application:

For the First-Time User:

  1. Step 1: Download and Install ‘BHIM’ app from App store.
  2. Step 2: Select your preferred language.
  3. Step 3: Select the SIM which has mobile number that is registered with Saraswat Bank.
  4. Step 4: Login by setting a 4-digit application password.
  5. Step 5: Link your bank accounts using bank account option.
  6. Step 6: Set your UPI PIN by providing last 6 digits of your Saraswat debit card and expiry date of the same card.
  7. Step 7: Visit Profile option and set virtual payment address (VPA)s. Currently 2 virtual payment address (VPA)s are allowed per user, For e.g. yourmobileno@upi, yourname@upi.
  8. Step 8: Set one virtual payment address (VPA) as a primary virtual payment address.
  9. Step 9: By using Scan and Pay option funds can be transferred or collect by scanning QR code.
  10. Step 10: Send, receive, collect money using Virtual Payment Address i.e. VPA or Account number + IFSC or Scan and Pay option.


Downloads:

  1. Get Saraswat UPI on BHIM for Android
  2. Get Saraswat UPI on BHIM for iOS
  3. Download User Manual

BHIM FAQs (Frequently Asked Questions):

Click here

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