AU Small Finance Bank FD Rates

AU Small Finance Banks' history goes a long way where it is known to serve small and middle-class individuals and small and micro companies with limited or no direct access to traditional banking systems. AU Bank works just like any other regular bank. Along with a plethora of schemes and plans, it also offers a plethora of Fixed Deposit (FD) options for senior citizens and individuals.

Read more
Best Investment Plans
  • Save upto ₹46,800 in tax under Sec 80C

  • Inbuilt Life Cover

  • Tax Free Returns Unlike FD

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Buy Online & Get upto 4% extra#

Your Money is Safe, Secure & Guaranteed

Get higher Returns than Fixed Deposit along with Tax Benefits

+91
View Plans
Please wait. We Are Processing..
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs #Discount offered by insurance company Tax benefit is subject to changes in tax laws
Get Updates on WhatsApp

AU Small Finance Bank FD Interest Rates for Below Rs.2 crore

Rates with effect from 1st April 2022:

Tenure Interest Rates Regular Citizens Interest Rates Senior Citizens
7 Days and above to 1 Month 15 Days 3.75% 4.25%
Above 1 Month 15 Days to below 3 Months 4.25% 4.75%
Above 3 Months to below 6 Months 4.75% 5.25%
Above 6 Months to below 12 Months 5.25% 5.75%
Above 12 Months to below 15 Months 6.50% 7.00%
Above 15 Months to below 18 Months 6.35% 6.85%
Above 18 Months to below 24 Months 6.35% 6.85%
Above 24 Months to below 36 Months 6.75% 7.25%
Above 36 Months to below 45 Months 6.35% 6.85%
Above 45 Months to below 60 Months 6.35% 6.85%
Above 60 Months to below 120 Months 6.75% 7.25%

*FD rates are subject to change. Please refer bank for updated FD rates.

Get Market Linked Returns Get Market Linked Returns

AU Small Finance Bank FD Interest Rates for NRE / NRO Below Rs.2 crore

Rates with effect from 1st April 2022:

Tenure Interest Rates
7 Days and above to 1 Month 15 Days 3.75%
Above 1 Month 15 Days to below 3 Months 4.25%
Above 3 Months to below 6 Months 4.75%
Above 6 Months to below 12 Months 5.25%
Above 12 Months to below 15 Months 6.50%
Above 15 Months to below 18 Months 6.35%
Above 18 Months to below 24 Months 6.35%
Above 24 Months to below 36 Months 6.75%
Above 36 Months to below 45 Months 6.35%
Above 45 Months to below 60 Months 6.35%
Above 60 Months to below 120 Months 6.75%

*FD rates are subject to change. Please refer bank for updated FD rates.

Compare FD Interest Rates of Top Financial Institutions
BANKS GENERAL CITIZENS SENIOR CITIZEN
Axis Bank FD Rates 2.50% - 5.75% 2.50% - 6.50%
Bandhan Bank FD Rates 3.00% - 5.00% 3.75% - 5.75%
Bank of Baroda FD Rates 2.80% - 5.25% 3.30% - 6.25%
Bank of India FD Rates 2.85% - 5.05% 3.35% - 5.55%
Canara Bank FD Rates 2.90% - 5.40% 2.90% - 5.90%
Central Bank of India FD Rates 2.75% - 5.00% 2.90% - 3.25%
DBS Bank FD Rates 2.50% - 5.50% 3.50% - 6.00%
HDFC Bank FD Rates 2.50% - 5.60% 3.00% - 6.35%
IDFC Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Indian Bank FD Rates 2.90% - 5.15% 3.40% - 5.65%
Indian Overseas Bank FD Rates 3.40% - 5.20% 3.90% - 5.70%
IndusInd Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Punjab National Bank FD Rates 2.90% - 5.25% 3.50% - 5.75%
SBI FD Rates 5.30% - 5.40% 5.80% - 6.20%
UCO Bank FD Rates 2.55% - 5.05% 3.80% - 6.30%
Yes Bank FD Rates 3.25% - 6.25% 3.75% - 7.25%
Show More

AU Small Finance Bank FD Features

  • The Fixed Deposit scheme of AU Bank allows you to keep a portion of your income aside to achieve your life’s milestones and enjoy interest rates on par with Bank's FDs.

  • HDFC also provides tax-saving deposits and regular FD options. In addition, you can also make huge profits with a five-year tax-saving fixed deposit scheme.

  • Moreover, you can save tax on your earnings from the Fixed Deposit, and the limit is up to INR 1.5 lacs per annum as per section 80C. You can easily open an AU fixed deposit account online by logging in to your AU Small Finance internet banking account.

Guaranteed Return Investment Plan Guaranteed Return Investment Plan

Types of AU Small Finance Fixed Deposit Schemes

  • Regular Fixed Deposits

  • 5 - Year Tax Saving Fixed Deposit

The detailed description of these fixed deposit schemes is as follows:

  1. Regular Fixed Deposit

    Regular FDs are best suited for Indian Residents, HUFs, Trusts, Single Proprietorship Businesses, etc., who are willing to attain decent returns with minimal risks involved. Here are the further details about the regular fixed deposit plan of the AU Small Finance Bank:

    • Tenure – 7 days to 120 months.

    • Minimum deposit amount – Rs. 1,000

    • Premature withdrawal – available at a 1% penalty.

    • Automatic renewal – available.

    • Payment and Interest Compounding – payout & annual compounding

    • Interest receivable – monthly or quarterly basis.

    • The account can be operated by:

      • Hindu Undivided Families

      • Resident Indians

      • Limited Companies

      • Sole Proprietorship Firms

      • Trust accounts

  2. 5 - Year Tax Saving Fixed Deposit

    Specifications under the 5-year tax saving fixed deposit scheme are as follows:

    • Tenure – 5-year (Fixed)

    • Senior citizen interest rate – 0.50% additional on regular citizen's interest rate.

    • Loan option – not available.

    • Minimum deposit amount – Rs. 1,000.

    • Nomination option – not available.

    • Tax exemption – up to Rs. 1,50,000.

    • Eligibility – Indian resident and any member of HUFs (Hindu Undivided Families).

Get 100% Guaranteed Returns Get 100% Guaranteed Returns

Features of AU Small Finance Bank

AU bank offers simple investment options with good returns and at negligible risk. Moreover, fast and quick net banking allows even senior citizens to open a FD account without any problem. Along with this, AU Small Finance Bank fixed deposit schemes have many features. Some of them are listed below:

  • AU bank offers competitive rates across all other banks and financial institutions.

  • An additional 0.50% interest rate is offered to all the senior citizens investing in AU Fixed Deposits.

  • The interest rate ranges from 3.75% to 6.75% currently.

Eligibility Criteria

Below are the groups and individuals who are eligible to open a Regular AU Fixed Deposit Account:

  • Hindu Undivided Families

  • Resident Indians

  • Limited Companies

  • Sole Proprietorship Firms

  • Trust accounts

Premature Withdrawals

  • Premature withdrawal is available at a 1% penalty under the AU Small Finance Bank.

  • Monthly or quarterly interest payouts can opt under the FD scheme.

Capital Return Get Market Linked Returns

Document Required

  • Current Photographs 

  • KYC Documents 

  • Aadhar Card 

  • PAN Card 

  • Passport 

  • Voter ID card 

  • Driving License 

  • Proofs of Partnership: Partnership deed, ID Proofs, and Signatures of authorized signatories incorporating certificate. 

  • Hindu Undivided Family: PAN Card – Self-attested, HUF declaration, and Statement of Bank

How to Invest in the AU FD Scheme

An investor can opt for either of the following methods to invest in the AU FD Scheme:

  1. Internet Banking

    The following steps need to be followed to invest via internet banking:

    • Login to the AU net banking account

    • Click on the "Open Fixed Deposit" option under the "transaction" tab.

    • Fill in the needful details like the policy's tenure and the amount willing to be invested.

    • Provide nominee details.

    • Confirm all the details before proceeding further.

    • A receipt will be generated that can be downloaded instantly.

  2. AU Bank Mobile Application

    The following steps need to be followed to open an FD account via the mobile application of AU:

    • Download the AU Small Finance bank application on your mobile (can be either ios or android).

    • Sign in to the app by generating new credentials.

    • After signing in, head to the main menu and select the deposit option.

    • Under the "Deposits" option, choose the "Open Fixed Deposit" tab.

    • Fill in all the required details and upload the required documents.

    • A receipt will be generated after successfully providing all the details, which can be downloaded immediately.

  3. An AU FD Account Offline

    In the offline method of opening an AU Fixed Deposit Account, the investor needs to visit the nearest AU Small Finance Bank branch and fill out forms to open their respective FD account. Then, all the relevant documents must be submitted to the branch manager and the deposit amount. After successfully verifying all the provided documents, the branch manager provides a receipt that is the account opening proof for the investor.

FD Calculator

Total Investment

₹500 ₹10L
Enter Total Investment

Rate of Interest (Yearly)

1% 10%
Rate of Interest (Yearly)

Time Period

1 Year 10 Years
Enter Time Period
Interest Earned
Maturity Amount
Get Higher Return

FD Rates articles

Recent Articles
Popular Articles
Tax Saver FD Premature Withdrawal

21 Jun 2022

Tax Saver Fixed Deposit is a type of fixed deposit scheme. The...
Read more
Axis Bank FD Premature Withdrawal

15 Jun 2022

Axis Bank offers a bouquet of fixed deposit products, which you...
Read more
ICICI FD Premature Withdrawal Penalty Calculator

14 Jun 2022

ICICI offers various fixed deposit schemes which are highly...
Read more
Fixed Deposit Monthly Income Scheme

02 Jun 2022

The monthly income scheme of Fixed Deposit has gained popularity...
Read more
30 Lakhs Fixed Deposit Interest Per Month

04 Apr 2022

If you are planning to invest Rs 30 lakhs in a Fixed Deposit...
Read more
Application for Withdrawal of Fixed Deposit
Fixed Deposits are the safest investment instruments. You invest the amount of your choice as the fixed deposit...
Read more
SBI Fixed Deposit Double Scheme
The SBI Fixed Deposit Double Scheme is named Special Term Deposit to cater to investors looking to double their...
Read more
Fixed Deposit Monthly Income Scheme
The monthly income scheme of Fixed Deposit has gained popularity among investors. It is considered liquid as it...
Read more
Bank of Baroda FD Rates for Senior Citizens
Bank of Baroda offers a range of FD schemes to its customers. The interest rate offered under these schemes is...
Read more
How to Claim Fixed Deposit After Death?
Fixed Deposits, FD for short, continue to be the favored and safest investment vehicle for countless Indians....
Read more

top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL