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Meera, the founder of Udaan, an NGO for underprivileged children, was struggling to open a bank account. She needed a reliable bank with flexible timings to accommodate her busy schedule.
That’s when she found Saraswat Bank. With branch hours from 10:00 AM to 4:00 PM (Monday to Friday) and 10:00 AM to 1:00 PM (Saturday), she could easily visit after her morning community work. The bank’s staff guided her through the process, ensuring hassle-free registration.
Within a week, Udaan had a fully operational account. Thanks to Saraswat Bank’s extended digital services like NEFT, RTGS, and IMPS, available 24/7, donations started flowing in without delays. Today, the NGO smoothly manages funds and continues to change lives, one at a time.
Day | Branch Hours | Lunch Break | Tips for Customers |
Monday to Friday | 10:00 AM to 4:00 PM | 2:00 PM to 2:30 PM (Typical) | Arrive before or after the lunch break to avoid waiting time. |
Saturday | 10:00 AM to 1:00 PM | 2:00 PM to 2:30 PM (Typical) | On Saturdays, branches close earlier, so plan your visit accordingly. |
Sunday | Closed | N/A | Banks are closed on Sundays, so plan your banking needs for weekdays or Saturdays. |
Tips
Service | Operating Hours | Contact Details | Additional Tips |
Cash Deposit & Withdrawal | Monday to Friday: 10:00 AM to 4:00 PM |
Service | Details | Additional Tips |
Weekend Operations | Saturdays: 10:00 AM to 1:00 PM (except 2nd & 4th Saturdays, which are non-working days) | Confirm with your branch if they operate on the 2nd and 4th Saturdays. |
Transfer Method | Availability | Fee Structure | Example | Tips |
National Electronic Funds Transfer (NEFT) | Available 24x7 (for transactions below ₹2 Lakh) Above ₹2 Lakh: Processed on the next working day |
Rahul wants to transfer ₹2,50,000 via RTGS.
RTGS Fee: ₹25
GST: ₹4.50
Total Debit: ₹2,50,029.50
Beneficiary Amount: ₹2,50,000 (received instantly on a working day)
RTGS is best for instant transfers, but it only works on working days.
It's ideal for urgent transfers above ₹2 Lakh.
Immediate Payment Service (IMPS)
Available 24x7 (including holidays and Sundays) for transfers up to ₹2 Lakh
Fee: ₹5 (for transactions above ₹1 Lakh)
GST (18%): ₹0.90
Saturday: 10:00 AM to 1:00 PM | Avoid peak times for faster service. |
Sunday: Closed | Consider using ATMs or CDMs for deposits outside regular hours. |
Locker Facility Access | Monday to Friday: 10:00 AM to 4:00 PM | Confirm availability by calling ahead if you need access on a Saturday morning. |
Saturday: 10:00 AM to 1:00 PM | Some branches may require appointment bookings for locker access. |
Sunday: Closed | Safeguard valuables and ensure access during business hours. |
Customer Support Desk | 24/7 Availability (Phone/Email) | Phone: 022 41572070 / 022 69933333 | Use email for non-urgent inquiries and phone for quicker assistance. |
Visa Debit Card, Internet & Mobile Banking Support | 24/7 Availability | Email: customersupport@saraswatbank.com | Keep your customer ID ready for a quick resolution. |
Credit Card Queries | 24/7 Availability (Phone/Email) | Toll-Free: 1800 266 9545 | Call the toll-free number for immediate assistance with credit card-related queries. |
Email: creditcards@saraswatbank.com |
General Inquiries & Complaints | 24/7 Availability (Phone/Email) | Toll-Free: 1800 266 5555 | For complaints, provide all necessary details to expedite resolution. |
Email: customerservicecentre@saraswatbank.com | Use the email for complex inquiries or feedback. |
Use the official branch locator to find Sunday banking branches. |
Holiday Schedule | Public Holidays: Varies by state. Example holidays for Maharashtra (2025): | Check the bank's official holiday list for your state-specific holidays. |
January 26, 2025 (Sunday): Republic Day | Plan your visits accordingly during holidays. |
February 19, 2025 (Wednesday): Chhatrapati Shivaji Maharaj Jayanti |
February 26, 2025 (Wednesday): Mahashivratri |
March 14, 2025 (Friday): Holi (Second Day) |
March 30, 2025 (Sunday): Gudhi Padwa |
March 31, 2025 (Monday): Ramzan-Id (Id-Ul-Fitr) |
24/7 Phone Banking Service | Phone Support: 1800 22 9999 (Available outside of branch hours) | Always have your customer ID ready when calling. |
Branch Timings | Monday to Friday: 10:00 AM to 4:00 PM | Branch timings may vary by region; confirm specific timings with your local branch. |
Saturday: 10:00 AM to 1:00 PM (except 2nd and 4th Saturdays) | Call ahead for confirmation, especially around public holidays. |
Fee: ₹25
GST (18%): ₹4.50
Rahul wants to transfer ₹2,50,000 via NEFT. NEFT Fee: ₹25 GST: ₹4.50 Total Debit: ₹2,50,029.50 Beneficiary Amount: ₹2,50,000 (received on the next working day) |
NEFT can be used for transactions below ₹2 Lakh anytime. - Transfers above ₹2 Lakh will be processed on the next working day. |
Real-Time Gross Settlement (RTGS) | Available 24x7 (Requests accepted anytime, processed on working days) | Fee: ₹25 GST (18%): ₹4.50 |
*T&C Apply
Rahul wants to transfer ₹2,00,000 via IMPS.
IMPS Fee: ₹5
GST: ₹0.90
Total Debit: ₹2,00,005.90
Beneficiary Amount: ₹2,00,000 (instantly transferred)
IMPS is available 24x7, but the transfer limit is ₹2 Lakh per transaction. For amounts above ₹2 Lakh, multiple transactions are required. |
Tips for Customers
Digital Banking Service | Availability | Features/Services | Example | Tips |
Internet Banking | 24/7 | Check account balances View statements Manage term deposits and loans Bill payments Fund transfers | Example: Rahul wants to pay a utility bill of ₹5,000. Rahul uses Internet Banking to transfer ₹5,000 to the biller. Transfer Fee: ₹0 (assuming no charges) Total Debit: ₹5,000 | Internet banking is perfect for quick bill payments. Always verify account details before making payments. |
GoMo Mobile Banking | 24/7 | Monitor account balances Review recent transactions Transfer funds within or outside Saraswat Bank Generate digital debit cards Block/unblock debit cards | Example: Rahul wants to transfer ₹15,000 to another Saraswat Bank account. Transfer Fee: ₹0 (within the same bank) Total Debit: ₹15,000 | Use GoMo to transfer funds easily and track transactions. Ensure your app is updated with the latest features. |
Cardless Cash Withdrawals (GoMo) | 24/7 | Withdraw cash from Saraswat Bank ATMs without using a physical card Enhance security and convenience | Example: Rahul wants to withdraw ₹10,000 from an ATM using GoMo. Fee: ₹0 for the transaction. Total Debit: ₹10,000 | Use cardless withdrawals for enhanced security. Ensure you have the correct OTP when making a cardless withdrawal. |
ATM Services | 24/7 | Cash withdrawals (up to ₹25,000 per day) Mini-statements PIN changes | Example: Rahul withdraws ₹5,000 from an ATM. Fee: ₹0 for Saraswat Bank ATMs. Total Debit: ₹5,000 | Always be aware of the ATM's withdrawal limit. Use ATMs located in safe and well-lit areas for security. |
Customer Support Service | Contact Information | Availability | Services Offered | Tips for Customers |
24/7 Phone Banking Service | Toll-Free Numbers: 1800 266 5555 1800 22 9999 | 24/7 | Card hotlisting Account balance inquiries Chequebook requests Loan and deposit product info | For urgent matters like card hotlisting, call the toll-free numbers. Always keep your account details ready for quicker resolution. |
Visa Debit Card, Internet Banking, and Mobile Banking Inquiries | Phone: 022 4157 2070 / 022 6993 3333 Email: customersupport@saraswatbank.com or customerservicecentre@saraswatbank.com | 24/7 | Visa Debit Card issues Internet Banking inquiries Mobile Banking inquiries | Use phone numbers for immediate inquiries and email for non-urgent matters. Provide detailed information in emails to receive faster responses. |
Credit Card Inquiries | Email: creditcards@saraswatbank.com Phone: 1800 266 9545 | Email: 24/7 Phone: Specified hours | Credit card-related queries Billing issues Payment inquiries. | Use the dedicated helpline for urgent credit card issues for faster resolutions. Email for non-urgent queries or follow-up. |
Q. Are there any ATMs open on holidays?
Indeed, on weekends and holidays, ATMs are open.
Q . Who determines the bank holidays, and do they apply to all types of banks in India?
The dates of bank holidays are determined by the Reserve Bank of India. The second and fourth Saturdays of each month are holidays for all banks, including cooperative, public, private, and rural or regional banks. It is applicable to both scheduled and non-scheduled banks in India.
Q. In a month, on which Saturday are the banks closed?
In India, all public and commercial banks are closed on the second and fourth Saturdays of each month. In addition, banks are closed on the first, third, or fifth Saturday of the month if a national holiday falls on that day.
Other Bank Timings | |||
