AU Small Finance Bank FD Interest 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 FD rates work 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.

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

AU bank FD 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.

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

AU bank FD 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%
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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.

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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).

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Features of AU Small Finance Bank

AU bank offer 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 FD rates offer competitive options 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.

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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.

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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.

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