Saraswati Commercial
- Company typePublic
- Founded1983
- HeadquartersMumbai, India
- Headcount1–10
- GTM typeB2B
- OfferingServices
Saraswati Commercial firmographics
Firmographics- Name
- Saraswati Commercial
- Legal name
- Saraswati Commercial (India) Limited
- Website
- https://saraswaticommercial.com
- Company type
- Public
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Saraswati Commercial industry classification
Industry- Product category
- Non-Banking Financial Services
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
- akta.pro secondary industry
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
Keywords
Where Saraswati Commercial is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Saraswati Commercial business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Others
Revenue model
- Lending Operations: Providing loans and advances to borrowers, generating interest income as the primary revenue stream for the NBFC.
- Investment Activities: Investing in various securities and financial instruments to generate returns and appreciation.
- Trading in Shares and Securities: Active trading and dealing in equity shares and securities on Indian stock exchanges including BSE and NSE.
Distribution channels2 records
Marketing channels2 records
Saraswati Commercial product offering
Product offeringCore offering
Saraswati Commercial (India) Limited is a publicly listed Non-Banking Financial Company (NBFC) that provides three integrated financial services: (1) lending services offering loans and advances to borrowers, (2) investment services deploying capital in shares, securities, and other financial instruments, and (3) trading in shares and securities on Indian stock exchanges (BSE and NSE). The company is registered with the Reserve Bank of India (Registration No. 13.01860) and serves individual borrowers, investors, and institutional clients in the Indian financial market.
Product overview
Saraswati Commercial (India) Limited operates as a unified NBFC platform offering three integrated financial services: Lending Services (loans and advances), Investment Services (investment in shares and securities), and Trading in Shares & Securities. The company is registered with RBI (Registration No. 13.01860) and listed on BSE Limited with permitted trading on NSE. The three core offerings are interconnected, allowing the company to deploy capital through lending, invest in securities, and actively trade in the equity markets, supported by comprehensive risk management, credit assessment, and regulatory compliance frameworks.
Differentiator
Problem solved
Functional benefit
Products and services
- Lending Services
- Investment Services
- Trading in Shares & Securities
Companies that use Saraswati Commercial
Customer profileSegments2 records
Ideal customer profiles2 records
Saraswati Commercial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Saraswati Commercial partnerships and signals
Strategic signalScale indicators3 records
Recent moves8 records
Expansion highlights5 records
Saraswati Commercial competitors and assessment
Company assessmentBroad incumbents
- Shriram Finance Limited: Major Indian NBFC focused on commercial-vehicle, MSME, and gold lending; comparable NBFC registration profile and lending orientation, though at significantly larger scale and with retail-deposit access that Saraswati lacks.
- Bajaj Finance Limited: One of India's largest NBFCs offering diversified lending (consumer, SME, commercial, rural) along with investment and securities exposure through subsidiaries; directly comparable business model to Saraswati's lending-plus-investments-plus-trading mix but at vastly greater scale.
- L&T Finance Holdings Limited: Diversified Indian NBFC group with farm, housing, SME, and infrastructure lending as well as investment and wealth businesses; comparable diversified-NBFC model, though larger and more segment-specialized than Saraswati.
Direct peers
- Muthoot Capital Services Limited: India-listed NBFC providing vehicle, microfinance, and SME lending; comparable small-to-mid-cap Indian NBFC profile with similar institutional retail/wholesale funding dynamics as Saraswati.
- Sundaram Finance Limited: Long-standing, privately-held Indian NBFC providing commercial vehicle finance, corporate lending, and treasury/investment operations — comparable to Saraswati as a traditional, multi-decade NBFC combining lending with proprietary investment management.
- Cholamandalam Investment and Finance Company Limited: India-listed NBFC engaged in vehicle finance, SME lending, home equity loans, and investment activities — a closely comparable diversified financial services franchise with overlapping products (term loans, working-capital facilities) to Saraswati's NBFC book.
- Motilal Oswal Financial Services Limited: India-listed financial services group combining broking, investment management, lending, and proprietary investments in shares/securities; directly comparable to Saraswati's blended lending-plus-trading business model.
- IIFL Securities Limited: India-listed entity engaged in securities broking, investment activities, and capital-markets operations on BSE/NSE; comparable to Saraswati's active BSE/NSE trading book and investment-in-securities activities.
- Mahindra & Mahindra Financial Services Limited: India-listed NBFC providing auto, tractor, SME, and rural lending plus investment activities; comparable as a diversified NBFC with overlapping customer segments (individuals and businesses) and similar regulatory classification.
Emerging players
- Geojit Financial Services Limited: Mid-sized Indian listed entity offering stock broking, investment advisory, and securities trading on BSE/NSE; overlaps with Saraswati's securities-trading and investment business at a smaller, more retail-investor oriented scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks2 records
Key highlights6 records
Customer concentration
Saraswati Commercial social profiles
Digital presenceSaraswati Commercial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Saraswati Commercial leadership team
Management profileNumber of profiles
Profiles11 records
Saraswati Commercial subsidiaries and ownership
Company hierarchySubsidiaries2 records
Saraswati Commercial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Saraswati Commercial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Saraswati Commercial
What does Saraswati Commercial do?
Saraswati Commercial (India) Limited is a publicly listed Non-Banking Financial Company (NBFC) that provides three integrated financial services: (1) lending services offering loans and advances to borrowers, (2) investment services deploying capital in shares, securities, and other financial instruments, and (3) trading in shares and securities on Indian stock exchanges (BSE and NSE). The company is registered with the Reserve Bank of India (Registration No. 13.01860) and serves individual borrowers, investors, and institutional clients in the Indian financial market.
Is Saraswati Commercial a public or private company?
Saraswati Commercial is a public company. It is classified as public and is currently operating.
When was Saraswati Commercial founded?
Saraswati Commercial was founded in 1983. It employs 1 to 10 people.
Where is Saraswati Commercial based?
Saraswati Commercial is headquartered in Mumbai, India, in the Asia region.
How does Saraswati Commercial make money?
Three revenue lines are on record. Lending Operations are the primary driver. The others are investment Activities and trading in Shares and Securities.
Who are Saraswati Commercial's main competitors?
Broad incumbents on record are Shriram Finance Limited, Bajaj Finance Limited and L&T Finance Holdings Limited. Direct peers are Muthoot Capital Services Limited, Sundaram Finance Limited, Cholamandalam Investment and Finance Company Limited, Motilal Oswal Financial Services Limited, IIFL Securities Limited and Mahindra & Mahindra Financial Services Limited. Geojit Financial Services Limited is listed as an emerging player.
Does Saraswati Commercial have an API?
No public API is recorded for Saraswati Commercial.
What industry is Saraswati Commercial in?
Saraswati Commercial's product category is Non-Banking Financial Services. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts). Its NAICS code is 522110 and its SIC code is 6153.