Your trusted PSU bank.
Now completely digital.

No branch visits, no physical paperwork, no queues. Book FDs and apply for loans in minutes.

Open a Fixed Deposit in under 5 minutes. 100% digital, DICGC insured.

Get an Auto Loan sanctioned in 30 minutes. Paperless processing.

Get a Home Loan sanctioned in 24 hours with digital eligibility checks.

Book Fixed Deposit → Explore loans & FDs

Backed by Public Sector Banks DICGC insured up to ₹5L

Products issued by Partner Public Sector Banks

All deposits and loan disbursements are held directly by RBI-regulated Public Sector Banks.

Scheduled PSU Banks DICGC Insured RBI Regulated Direct Disbursement

Our Products

Fixed deposits & loans.
Direct with public sector banks.

Save&Borrow provides the digital application experience. Your partner PSU bank holds the deposit and disburses your loan directly.

100% digital Paperless Lowest processing fees

HL · TRUST

Home loans

Digital financial sanction in 24 hours. Property and legal checks handled by partner bank panels.

Starting7.10% p.a.

Sanctioned in24 hrs

Apply now →

AL · FAST

Auto loans

Paperless KYC and eligibility checks with fast approval directly from the partner bank.

Starting7.75% p.a.

Disbursed in30 mins

Apply now →

FD · PSU

Fixed deposits

Direct PSU bank deposit rates with full DICGC coverage up to ₹5,00,000.

Up to7.75% p.a.

Opens in300 sec

Book an FD now →

Why Save&Borrow

The security of public sector banking.
Without the branch queue.

DICGC ₹5L

Security

Your deposits are placed directly with scheduled public sector banks and insured by DICGC up to ₹5 Lakhs.

300 sec

Speed

Book deposits in minutes, receive auto loan sanctions in 30 minutes, and home loan sanctions in 24 hours.

No hidden fees

Transparency

Identical interest rates and terms as bank branches, with zero platform markup or surprise charges.

100% digital

Convenience

Complete your application, KYC, and document verification digitally from your smartphone.

Zero spam

Privacy

We never sell contact data or spam you with telemarketing calls. We only contact you to fulfill your requested application.

How it works

Simple, paperless onboarding.

Verify

Verify your identity

Complete digital KYC using Aadhaar and video verification.

Choose

Pick your partner bank

Select your preferred public sector bank partner.

Act

Open or apply

Select your deposit amount or submit your loan application.

Track

Track in real time

Track application progress, loan status, and deposit growth in real time.

Early feedback

What our customers say.

Opened my deposit in under five minutes from home. The interest rate was exactly what the bank branch offered.

Rohit M.

Pune

I liked that the deposit is held directly by a public sector bank, giving me the security of a government bank with a modern interface.

Priya S.

Mumbai

The home loan sanction was fast, transparent, and completely paperless from application to approval.

Arjun K.

Indore

Questions

Frequently asked.

Is Save&Borrow a bank?+

No. Save&Borrow is a technology platform. All fixed deposits and loans are issued directly by RBI-regulated public sector banks. We do not hold deposits or lend from our own balance sheet.

Is my FD insured?+

Yes. Deposits are held directly by our partner scheduled banks and insured up to ₹5,00,000 per depositor by the Deposit Insurance and Credit Guarantee Corporation (DICGC).

How fast can I book an FD?+

Most users complete Aadhaar KYC and fund their deposit in under five minutes directly from their smartphone.

How quickly can I get an auto loan?+

Initial eligibility and digital KYC are completed within 30 minutes, followed by fast sanction from the partner bank.

How long does a home loan take to get sanctioned?+

In-principle financial sanction is delivered within 24 hours. Property valuation and legal title verification are completed by the partner bank's panel.

Can I choose which partner bank holds my FD or loan?+

Yes. You can select among our participating public sector bank partners during the onboarding process.

Can I withdraw my FD before maturity?+

Yes. Premature withdrawals can be requested directly in the app according to standard partner bank terms.

Are the FD and loan rates the same as at the bank branch?+

Yes. All interest rates and terms are identical to branch offerings with zero platform markup.

Your trusted PSU bank.Now completely digital.

Fixed deposits & loans.Direct with public sector banks.