AU Small Finance Bank FD Interest Rates 2026

AU Small Latest Updates: Revised FD Interest Rates 

AU Small Finance Bank offers one of the highest FD rates, with 7.60% for the senior citizens and 7.10% p.a. for the general public on amounts below 3 crore. They revised their fixed deposit rates on 12th January, 2026. 

What is the AU Small Finance Bank FD?

An AU Small Finance Bank Fixed Deposit (FD) lets you invest a lump sum for a fixed period and earn interest. You can choose between callable and non-callable options, with interest payout frequencies ranging from monthly to cumulative (at maturity). An additional 0.50% interest rate is added to the AU Small Finance senior citizens FD interest rate, and the account supports liquidity through loans against up to 90% of the deposit value and an optional Sweep-In facility that links your FD to your savings account.

You can manage your investment 24/7 via the AU 0101 app or NetBanking, with deposits insured up to ₹5 lakh under DICGC. The bank also offers specialised products, such as AU Tax-Saver FDs for Section 80C deductions and Green FDs for eco-friendly investments. Whether you opt for automatic renewals or early withdrawals, the flexible structure ensures your savings remain both productive and easily accessible for your financial goals.

AU Small Finance Bank FD: Highlights 

AU Small Finance Bank FD Interest Rates 

Here's a detailed breakdown of Au Small Finance Bank FD Interest Rates across different investment slabs and tenors:

AU Small Finance Bank FD Interest Rates for Domestic and NRE/NRO FD (less than ₹3 Crores):

*Au Small Finance Bank FD interest rates w.e.f. 12th January, 2026

Revised FD Interest Rates for Domestic and NRE/NRO ( 3 crore to 10 crore) With and Without Premature Withdrawal 

AU Small Finance Bank FD premature withdrawal rates w.e.f. 25th March 2026. Senior citizens are not eligible for the rates above 3 crores.

Types of AU Small Finance Bank FD Schemes

1. AU Regular Fixed Deposits 

    A Fixed Deposit is a safe, interest-paying investment with returns guaranteed regardless of market conditions. We offer flexible payout terms and auto-renewal services to help you plan your finances effectively.

   • Tenure - 7 days to 10 years 
   • Interest Payout Options - Monthly, quarterly, and cumulative at maturity
   • Overdraft Facility - Yes, available 
   • Partial/premature Withdrawal - Allowed, in case of emergency 
   • Fixed Deposit Options - Callable or Non-Callable

2. AU 5-Year Tax Saving Fixed Deposit 

   Seeking a tax-efficient investment that guarantees returns and protection of capital? A 5-Year Tax Saving FD is a good idea. You can start with as little as 1000 rupees, avail tax benefits, and earn good returns.

   • Lock-in Period- 5 years
   • Minimum Deposit Amount - Rs 1,000
   • Maximum Deposit Amount - up to 1,50,000
   • Tax Deductions - Get tax deductions up to Rs 1,50,000 under Section 80C
   • Benefits for Senior Citizens - Get up to 0.50% p.a. higher interest rate

3. AU Fixed Deposit Sweep-In Facility 

   The Fixed Deposit Sweep-In Facility links your Savings or Current Account to a Fixed Deposit, allowing you easy access to the funds when required. It prevents overdrafts or bounced cheques — and does not cost you the whole of your FD or the interest thereon.

   • Link Multiple Deposit - Link your FD account with a Savings or Current Account.
   • Withdrawal as Required - Deficit Amount will be Swept in 
   • Benefits of Interest Rates - Get HIGH-interest rates on FDs
   • Zero Additional Fees - No additional fees required 
   • Overdraft/Bounce Charges - No overdraft or bounce charges are applicable

4. AU Small Finance Bank's Planet First 

   Planet First - AU Green Fixed Deposit by Small Finance Bank helps you to save your money and help the environment be greener. Your money supports environmentally friendly projects, and you become part of a community that drives sustainable change.

   • Tenure - 1 year to 10 years 
   • Payout Options - monthly, quarterly, and cumulative 
   • Interest Earned - Earn interest up to 7.60% p.a
   • Penalty on Premature - There is a 1% penalty

Key Features of AU Small Finance Bank FD

AU Small Finance Bank’s Fixed Deposit accounts offer multiple features that provide flexibility, predictability, and convenience for both short- and long-term savers. Here’s what you can expect:

• Tax-Saving FD Under Section 80C: Lock in funds for 5 years to avail tax deductions of up to ₹1.5 lakh per financial year under government-approved AU Tax Saver FDs.
• Loan or Overdraft Facility up to 90%: Get AU Small Bank loan against FD without breaking it. Up to 90% of the deposit value can be used as a secured loan or overdraft. The bank may charge additional interest or fees.
• Choice of Interest Payout Frequency: Select monthly, quarterly, or cumulative (at maturity) interest payouts based on your cash flow preferences.
• Premature Withdrawal Option with Charges: Withdraw funds before maturity if needed, subject to a penalty deduction of up to 1% on the applicable rate.
• Low Minimum Investment Requirement: Start an FD with as little as ₹1,000, available through AU’s online banking, mobile app, or at any branch.
• DICGC Insurance Up to ₹5 Lakh: Your deposits are insured under the RBI’s Deposit Insurance and Credit Guarantee Corporation scheme up to ₹5,00,000 per depositor.

How to Open an AU Small Finance Bank Fixed Deposit

You can choose to open an AU Small Finance Bank FD online or offline. It is a one-time lump-sum deposit for a flexible tenure, and you earn a guaranteed return on your investment.

1.  Online FD Account Opening

   AU Small Finance Bank provides multiple convenient options to open an FD online, including the AU 0101 App, NetBanking, and video banking.

   • Log in to AU App & NetBanking: Log in using your credentials.
   • Select Fixed Deposit: Go to the 'Fixed Deposit/Term Deposit' section and select 'Open FD'.
   • Select Account & Amount: Choose the account and enter the deposit amount.
   • Choose Tenure & Type: Select tenure and choose between a Cumulative and Non-cumulative deposit.
   • Maturity Instructions: Define maturity instructions, like auto-renewal or interest payout frequency.
   • Review & Confirm: Review all the details, accept the terms and conditions, and submit. 

2. Offline FD Account Opening

   If you prefer the traditional method, you can visit any AU Small Finance Bank branch to book your fixed deposit.

   • Visit AU Small Finance Bank Branch: Visit the nearest branch with your Aadhaar and PAN card, and the cheque or cash for the deposit.
   • Fill the Form: Complete the fixed deposit application form available at the branch.
   • Submit Documents: Submit the KYC documents and recent passport-sized photographs if you are a new customer.
   • Deposit Funds: Deposit the FD amount via cheque, cash, or a digital transfer.
   • Choose Tenure & Interest: Select your desired tenure and your preferred interest payout option.
   • Get the FD Receipt: The bank will issue a Term Deposit Receipt (TDR) confirming your investment.

Eligibility 

The Individuals or companies who fulfil the criteria mentioned below are eligible for the AU Small Finance Bank FD.

• Resident Individuals
• Sole Proprietorships
• Limited Companies
• Trusts
• Partnership Firms
• Hindu Undivided Families (HUFs)

Key Takeaways

Au Small Finance Bank Fixed Deposits offer fixed returns over a selected tenure, with interest rates varying by citizen, tenure, and deposit type. A range of investment tenures is available alongside the AU auto-sweep FD facility. It is always advisable to compare AU Small Finance Bank FD rates with different banks' FD interest rates available in the market to make an informed choice based on their needs.