AU Small Finance Bank Flexi Fixed Deposit

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What is an AU Small Finance Bank Flexi Deposit?

Flexi Fixed Deposit AU Small Finance Bank, also known as the Sweep-in Facility, is a smart deposit option that links your savings or AU Vishesh current account to a Flexi Fixed Deposit. It allows automatic transfer of surplus funds into an FD and withdrawal of only the required amount whenever funds are needed, helping you earn higher interest while maintaining liquidity.

AU Small Finance Bank Flexi Deposit Interest Rates

The interest rates on Flexi Fixed Deposits are aligned with AU Small Finance Bank FD rates. Below is the Flexi Fixed Deposit Interest Rates table, showing indicative rates offered by AU Small Finance Bank:

For Deposits Less than ₹3 Crores

*Au Small Finance Bank FD interest rates effective w.e.f. 3 July 2025

Key Features of AU Small Finance Bank Flexi Deposit 

The AU Small Finance Bank Flexi Fixed Deposit offers several advantages. Here’s an overview of why it’s a practical option:

• Higher Interest Rates: Earn enhanced returns on your funds, which are automatically transferred to your savings or AU Vishesh Current Account when required.
• No Manual Instructions Needed: The auto-sweep and reverse-sweep functions operate automatically, without the need for repeated instructions.
• Zero Additional Charges: No extra fees like overdraft charges are imposed when your savings account lacks sufficient funds.
• Multiple FD Linking: Link multiple FDs to your savings or AU Vishesh current account, offering wider liquidity coverage.

How to Open an AU Small Finance Bank Flexi Fixed Deposit?

You can open a Flexi Deposit with AU Small Finance Bank through both online and offline channels. This deposit links to your savings account, allowing you to earn higher interest on surplus funds while keeping them liquid and easily accessible.

1. Online Flexi FD Opening

   You can book an AU Small Finance Bank Flexi Deposit via the internet or mobile banking. New customers must first open a savings account and then link their Flexi Deposit to it.

   • NetBanking or AU 0101 App: Log in to the AU Bank’s website or the AU 0101 App.
   • Go to ‘Fixed Deposit’: Go to the ‘Deposits’ section and select ‘Open Fixed Deposit’.
   • Select FD Type: Choose the Flexi Fixed Deposit option.
   • Select FD Amount: Enter the deposit amount and tenure, and select the account to be linked.
   • Maturity Instructions: Set sweep-in and sweep-out instructions.
   • Review & Confirm: Review the details and confirm.
   • FD Receipt: A receipt will be generated and can be viewed or downloaded.

2. Offline Flexi FD Opening

   If you find the offline process more convenient, just visit your nearest AU Bank branch to book an FD.

   • Visit AU Bank Branch: Visit the nearest AU Bank branch.
   • FD Form: Request and fill out the Fixed Deposit application form, and mention that you want to open a Flexi Fixed Deposit.
   • Submit Documents: Submit the form along with your savings account number. New customers must provide a PAN card, Aadhaar card or other valid ID, proof of address, and a passport-size photograph.
   • Fund Transfer/Deposit: The bank official will verify the documents and complete the deposit process.
   • Tenure & Interest Options: You can choose your preferred tenure and interest payout frequency.
   • Get the FD Receipt: The bank official will verify the documents and complete the process.

Difference Between Flexi Fixed Deposits and Regular Fixed Deposits

Here’s a brief comparison of the main features of AU Small Finance Bank’s Regular Fixed Deposit and Flexi Fixed Deposit options:

Key Takeaways

AU Small Finance Bank Flexi Fixed Deposit provides better returns along with liquidity by automatically transferring extra funds from your savings account. It can be opened both online and offline, offering flexibility and convenience. This facility helps you manage urgent cash needs without closing your fixed deposit. It also helps avoid AU Small Finance Bank FD premature withdrawal, thereby protecting you from any applicable penalties. With higher returns than regular FDs, flexi deposits are a smarter way to build your savings.