What Is a Saraswat Bank Customer ID and What Does It Do?
Your Saraswat Co-operative Bank Customer ID is a unique identification number allocated to you as an account holder. It is typically 9 to 14 digits long. For example, “743121301”, this random number can be your ID.
When a customer opens an account with the Bank, the system generates a special number to identify the customer profile easily. It is used as the Login ID when accessing net banking and mobile banking. It is required when the bank wants to find your details in their system. Yes, no digital access or support process can begin without this ID.
When and Why Is ID Used?
It works like a universal login and identity code used by the bank to:
- When: It is required at the time of registering for the internet banking, Go-mo mobile banking, updating KYC, applying for a product, and even when visiting a branch.
- Why: It connects all your accounts, credit cards, services, and identity into one profile.
It is essential for accessing any digital or support-based banking feature.
Where Can You Generally Find the Customer ID?
If you have held a Saraswat deposit account for some time, your documents and kits have already been received at your registered address, then your Customer ID can be found in these papers:
- Congratulations SMS: Just after your KYC process, you will receive a welcome letter via SMS and post, usually mentioned on the top-right or middle section.
- Passbook: Printed near your account number or below your name.
- Chequebook: Found on the inside front page.
- Monthly Bank Statements: If you have old physical and digital statements, you can check the Top section for the CUST ID.
Note: Look for words like CIF or CUST ID— they are often used interchangeably.
What If You’re a New Account Holder? How can you find –
- Get Customer ID via Missed Call (SMS Alert)
If you have not delivered your documents, as per the Saraswat Bank Digital Banking Department FAQs, the bank offers a missed call banking feature to find your customer ID by SMS directly to your registered mobile number. Follow these simple steps –
- From your registered mobile number, dial 9029050017.
- The call will disconnect automatically.
- You will receive an SMS from the bank with your Full Customer ID within 30 seconds.
Tips:
- First, check that your mobile number is linked to your Saraswat Bank account before making the call.
- The number must be active and have SMS capability.
Common Errors & Fixes:
No SMS received: Check network coverage or wait a minute. Sometimes, bank servers can be an issue; try again after 4/5 hours.
Still not received, you can directly talk to a customer helpline agent at Saraswat Co-op Bank.
- 1800 229 999
- 1800 266 5555
What are the Saraswat Digital Banking alternatives to find your customer ID
Here are the methods that work without needing a password or login –
1. Check by Internet Banking (No login needed)
This is an online method, however, quite simple; all you need is your mobile phone and the internet. Now, follow these steps to retrieve your customer number by SMS –
- Search on Google, visit the Saraswat Bank official website, and tap the E-banking button (on the right side of the header).
- Tap on the Forget User ID option.
- Now enter your registered mobile number and 15-digit account number.
- The bank will send an OTP to your mobile number.
- After entering the OTP, your Customer ID will be sent via SMS and email.
Note: As I already told you, your Saraswat Bank User ID is your customer ID.
2. Saraswat Bank WhatsApp Banking
The Saraswat Bank recently started banking on chat, yes, the WhatsApp banking facility, which allows multiple features, including know your Customer ID. To activate your WhatsApp banking, you have to make a missed call at 9029059271. To get the Customer Number, follow these simple steps –
- Contact list: Save +91 82914 09100 as a contact on your phone.
- Start chatting: Open WhatsApp and send “Hi” to this number.
- Register First: Type 1 to register for Saraswat Bank’s WhatsApp banking.
- Select Menu: After registration, type 3 to access the main menu in chat.
- Get ID: Type 2 to Know your Customer Number.
This method is fast and timely, especially if you are already using WhatsApp regularly.
Quick Tip: You can also use keywords; you have to enter “customer no” in chat to direct the process.
3. Where to locate my customer ID in the Saraswat Go-Mo Mobile Banking App
Saraswat Bank also allows you to access your CIF ID through its mobile banking app, GO-MO. If you have already registered and have an Mpin to log in, here are the quick steps to find your CIF No.
- Download the GO-MO app from Google Play or the App Store.
- Register using your mobile number and account details.
- Log in to your profile.
- Go to the My Profile section and select Account overview.
- Your Customer No/CIF will be shown on the screen. You can write in the private notebook for future use.
Who Gets a Customer ID and Who Doesn’t?
- Primary Account Holders get a dedicated Customer ID
- Joint Account Holders do not receive separate Customer IDs unless they open their own primary account
- Each Customer ID is unique per person, even if you hold multiple accounts
What If Your Account Is Old, Inactive, or You Lost Everything?
If you have had your account for years, or you’re unable to access any digital banking channel:
- Visit your Home Bank branch.
- Carry identity proof (PAN or Aadhar card) and your bank ATM Card. If not have a passbook or a Chequebook.
- Ask the bank executive to provide your CIF ID on paper.
Which Method Is Best for Your Situation?
| Situation | Best Method |
|---|---|
| New customer (a few days old) | WhatsApp Banking, Forgot User ID (Website), and missed call alerts |
| No login credentials | Forgot User ID or WhatsApp |
| Don’t have documents or a welcome kit | Use digital methods above |
| App user but forgot ID | Use Forgot User ID via the website |
| Just want to double-check ID | Use the GO-MO app or the PDF statement |
| Inactive/old mobile number | Visit the branch to update it |
| Everything failed | Contact customer care or the branch |
Top FAQs
Is the Customer ID and CIF number the same in Saraswat Bank?
Yes, both refer to the same unique identification code used for customer profiling and bank records.
Can I change my Saraswat Bank Customer ID?
No. It is system-generated and cannot be changed.
Is the Customer ID printed on Saraswat Bank debit cards?
Actually, no, the CIF ID is not printed on your debit card or ATM Card. You will find it in your welcome letter, passbook, or you can retrieve it digitally via SMS or WhatsApp banking.
Can I access Saraswat net banking without my Customer ID?
No, your Customer ID is mandatory to log into Saraswat Bank’s net banking. Without it, you can’t initiate login or recover access, making it a critical part of digital banking.
Does each Saraswat joint account holder get a different Customer ID?
No, only the primary account holder gets the Customer ID. Secondary holders can’t access net banking unless registered separately with their own linked accounts and mobile numbers.
Is the Customer ID the same as the Saraswat Bank net banking User ID?
Not, Your User ID or login ID is your netbanking login username, it is not same as Customer ID, but you need your customer ID for register first time.
Can WhatsApp banking really show my Saraswat Bank Customer ID?
Yes, it works reliably. After activating WhatsApp banking, type “customer no” or use menu options. Many users prefer this method because it avoids branch visits and long IVR calls.
What should I do if my account is old or my mobile number is inactive?
Visit your home branch with Aadhaar or PAN. Branch staff can retrieve your Customer ID instantly after verification. This remains the most reliable option when digital methods fail.
Does New GOMO Nxt Saraswat Netbanking System provide Online Customer ID?
Not really, even this new Saraswat netbanking does not offer a direct customer ID via netbanking, there is no forget customer online facility.
Where is the Customer ID printed in physical bank documents?
You’ll usually find it in the welcome letter, first page of the passbook, inside the chequebook, or at the top of old bank statements. It’s labelled as CIF or CUST ID.
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