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New Retail Internet Banking

Dear Customer, kindly note that the said section will be live and available for use from 18th August 2025. Until then kindly use the Old e-Banking.

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Banking on WhatsApp FAQs


Saraswat Co-operative Bank’s services on WhatsApp or Bank on WhatsApp is a newly launched service wherein user would be receiving alert messages through WhatsApp instead of text messages (SMSs). In addition to it, Customer can also chat with the bank through WhatsApp for performing banking services viz. Check balance, mini statements, Mobile Banking Registration, know your Customer Number, etc.

Yes, customers as well as non-customers may access ‘Bank on WhatsApp’ services after registration for the same service. Certain services are enabled for bank's registered customers only. However, non-customers may access other informative services on 'Bank on WhatsApp'.

Following are the salient features / advantages of ‘Bank on WhatsApp’-
  1. Banking on WhatsApp is simple, safe and secured.
  2. Customers can access bank’s services through WhatsApp 24x7.
  3. Unlike traditional text messages wherein messages are in plain text format, WhatsApp provides end-to-end encryption which ensures the messages are secured with unique locks, and only sender and recipient may read the messages.
  4. Messages in Regional languages i.e. Unicode messages are not supported at WhatsApp messaging platform, which would help our bank to send regional message through WhatsApp. 
  5. Informative / Non-critical / non-transactional messages would be sent to customers at WhatsApp along with pictures, videos, documents, smartlinks etc. 
  6. WhatsApp Chat may resolve customer queries instantly on real-time basis which in return may reduce the load at our bank’s branches & Customer Care dept. 
  7. Since, WhatsApp messenger is popular among customers, it would boast high engagement rate among our customers.

To access Bank’s services like check balance, last 5 transactions, mobile banking registration, know your customer number etc on WhatsApp, it is mandatory to register mobile number with Saraswat Co-operative Bank Ltd. Also, it is imperative that customer’s mobile number registered with Bank as well as at WhatsApp must be unique.

The pre-requisites for ‘Bank on WhatsApp’-
  1. WhatsApp application must be installed in the smartphone & user must be registered for WhatsApp.
  2. Smartphone with active data network or WIFI connection is required.
  3. For utilizing Saraswat Co-operative Bank services like Check balance, mini statements, Mobile Banking Registration, know your Customer Number, etc. customer’s mobile number should be mandatorily registered with Saraswat Co-operative Bank Ltd. Also, WhatsApp application must be registered with the same mobile number & missed call should be given from the same number only.

Following is the process to register for ‘Bank on WhatsApp’-
  1. Visit here - http://bit.ly/2GzWJW4 & follow below mentioned steps:
    OR
  2. Give a Missed Call on 9029059271. By giving a missed call, Customer is providing his/ her consent for availing Bank on WhatsApp.
  3. Customer would receive ‘Welcome’ message via text message and at his/ her WhatsApp from our Bank’s verified WhatsApp number i.e. 8291409100.
  4. Customer may update our Bank’s verified WhatsApp number i.e. 8291409100 in his/ her smartphone contact list.
  5. Further, customer would start receiving notifications through WhatsApp channel as and when forwarded by the Bank.
  6. To initiate chat through WhatsApp, post giving a missed call, Customer needs to type ‘Hi’ & send to 8291409100 over WhatsApp and choose from the displayed option to avail its services.

Following is the process to initiate a Chat at 'Bank on WhatsApp':
  1. Post missed call, customer may have to update our Bank’s verified WhatsApp number i.e. 8291409100 in his/ her smartphone contact list.
  2. To initiate chat through WhatsApp, post giving a missed call, Customer needs to type ‘Hi’ & send to 8291409100 over WhatsApp and choose from the displayed option to avail its services.
  3. Further, as per the on-screen instructions customer may type ‘1’ or ‘2’ and so on as per the requirement.
  4. Or, simply click here - http://bit.ly/2GzWJW4

Following services are currently made available through Saraswat Co-operative Bank’s Bank on WhatsApp (Chat option):


Sr No Banking services
1 Balance Enquiry
2 Last 5 Transactions
3 Services
Mobile Banking Registration
Know your Customer Number
Account Statement
ATM/ Branch Locator
4 Product Details
Vastu Siddhi Housing Loan
2-wheeler/ Car Loan
Kwik Lap (Loan Against Property)
5 Downloads
GoMo Mobile Banking App
Credit card app
Chargeback form
15H or 15G
Nomination Forms
6 Requests / Enquiries
Apply for Saving Account 
Apply for Loans
Loan Rate of Interest
Deposit Rate of Interest
Service Charges

At Bank on WhatsApp, on a chat window type ‘9’ or type ‘Hi’ to redirect at main menu.

It is mandatory that the missed call given from mobile number and mobile at which WhatsApp is registered must be unique. Hence, it is necessary to give missed call from the mobile number at which WhatsApp is registered.

It is mandatory that the mobile number registered with the bank, mobile number from which missed call given and mobile number at which WhatsApp is registered must be unique. To update your mobile number, visit any nearest branch of Saraswat Co-operative Bank Ltd.

In chat window, customer needs to type ‘stop’ to unregister or unsubscribe from ‘Bank on WhatsApp’ services.

To unsubscribe from Bank on WhatsApp, customer may type ‘stop’ or ‘unsubscribe’ or ‘unregister’ at WhatsApp from the registered mobile number. In case of loss of mobile device, customer would have to register for WhatsApp from any other mobile, automatically earlier WhatsApp from lost mobile would be deactivated. Customer may continue using ‘Bank on WhatsApp’ at new mobile.

  1. For re-registering, give a Missed Call on 9029059271.
  2. You would receive ‘Welcome’ message via text message and at your WhatsApp from our Bank’s verified WhatsApp number i.e. 8291409100.
  3. You may update our Bank’s verified WhatsApp number i.e. 8291409100 in your smartphone contact list.
  4. To initiate chat through WhatsApp, type ‘Hi’ & send to 8291409100 over WhatsApp and choose from the displayed option to avail its services.

Ensure your correct email id is registered with the Bank.

Ensure all the keywords entered are valid / correct.


Services Keywords
Balance Enquiry bal, balance, account balance, my bal
Last 5 Transactions Txn, Txns, Transactions, mini statement
Mobile Banking Registration Mb registration, imps, imps registration
Know your Customer No. (Discontinued Service) Customer number, customer no, customer id
Account Statement Stmt, account statement, statement
ATM/ Branch Locator Branch, ATM, address, locator
Vastu Siddhi Housing Loan Housing loan, home loan, hsg loan
2-wheeler/ Car Loan Car loan, bike loan, vehicle loan
Kwik Lap Lap, Loan against Property, property loan
GoMo Mobile Banking App Gomo, mb, mobile banking, mb app
Credit Card App Credit card, credit card app, creditcard
Chargeback form Chargeback, chargeback form
15H or 15G 15g, 15h, 15gh, 15hg
Nomination Forms Nomination, nomination form, nomination format
Apply for Saving Account Savings Account, open account, sb account
Loan Rate of Interest Loan roi, loan rate, loan interest
Deposit Rate of Interest Deposit roi, deposit rate, recurring deposit
Service Charges Service charges, charges, locker, locker rent, debit card charges, demat charges, forex charges

Yes, 'Bank on WhatsApp' has made it easy to find out your nearest branch or ATM. Visit 'ATM / Branch Locator' option & further, enter correct pincode.

The information related to ‘Bank on WhatsApp’ is made available on Bank’s website or visit here - https://www.saraswat.bank.in/content.aspx?id=Saraswat-Bank-on-WhatsApp. Also, for further support you may contact our 24 Hours helpline No. 02241572070.
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