1. Can I add a nominee to my AU Small Finance Bank Fixed Deposit?

Yes. You can add a nominee while opening the FD or update the nomination later by submitting the prescribed request form to the bank. A nominee helps ensure the deposit is transferred smoothly in case of the depositor's demise.

2. Is auto-renewal available for AU Small Finance Bank FDs?

Yes. AU Small Finance Bank allows customers to opt for auto-renewal at the time of opening the FD. On maturity, the deposit is renewed for the same tenure at the interest rate applicable on the renewal date, unless other instructions are provided.

3. Can I hold an AU Small Finance Bank FD jointly with another person?

Yes. Resident individuals can open a joint fixed deposit account with one or more applicants, subject to the bank's eligibility criteria and operating instructions.

4. Can I change the interest payout option after opening an AU Small Finance Bank FD?

Generally, the interest payout option selected at the time of booking the FD cannot be changed during the deposit tenure. Customers should choose the preferred payout mode carefully before confirming the deposit.

AU Small Finance Bank FD Interest Rates

AU Small Finance Bank FD interest rates range from 3.50% to 7.40% p.a. for regular citizens and 4.00% to 7.90% p.a. for senior citizens on retail deposits below ₹3 crore, effective June 10, 2026. The highest rate is available for a tenure of 30 months 1 day to 36 months. The bank also offers Flexi, Tax Saver, Cumulative, and Interest Payout FDs.

Guaranteed Returns

Includes Life Cover

Completely Tax Free+

3 Benefits, 1 Plan

Maximum returns offered by:

7.4%^* (Tax-Free)

Guaranteed Plan

(By Insurance companies)

4.6%^* (After Tax)

Fixed Deposit

(Offered by Banks)

4.0%^*

Savings Account

(Post Office)

Get Guaranteed returns up to 7.4%*

Fully Tax-Free, Life Cover Included

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AU Small Latest Updates: Rates Revised

AU Small Finance Bank offers one of the highest FD rates, with 7.90% for the senior citizens and 7.40% p.a. for the general public on amounts below ₹3 crore. They revised their fixed deposit rates on 10th June, 2026.

Small Finance Bank Fixed Deposits

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 Bank senior citizen FD rates, and the account supports liquidity through loans against up to 90% of the deposit value.

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 123 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

Tenure	3 months to 10 years
Minimum Deposit Amount	₹1,000
Maximum Deposit Amount	No Limit
Loan Facility	Up to 90% of the amount
Senior Citizen Benefits	Up to 0.50%
TDS	10% TDS applicable
Loan Against FD	Available

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):

Tenure	General Citizens (p.a.)	Senior Citizens (p.a.)
7 Days to 1 Month 15 Days	3.50%	4.00%
1 Month 16 Days to 3 Months	4.75%	5.25%
3 Months 1 Day to 6 Months	5.25%	5.75%
6 Months 1 Day to 12 Months	6.35%	6.85%
12 Months 1 Day to 15 Months	7.10%	7.60%
15 Months 1 Day to 18 Months	7.00%	7.50%
18 Months 1 Day to 24 Months	7.00%	7.50%
24 Months 1 Day to 36 Months	7.10%	7.60%
30 Months 1 Day to 36 Months	7.40%	7.90%
36 Months 1 Day to 45 Months	7.00%	7.50%
45 Months 1 Day to less than 60 Months	6.75%	7.25%
60 Months to 120 Months	6.75%	7.25%

*Au Small Finance Bank FD interest rates w.e.f. 10th June, 2026

Revised FD Interest Rates for Domestic and NRE/NRO (₹3 crore to ₹10 crore)

The table below shows the AU Small Finance Bank bulk FD interest rates for deposits ranging from ₹3 crore to ₹10 crore across different tenures.

Tenure	₹3 Crore to <₹3.25 Crore (p.a.)	₹3.25 Crore to <₹3.50 Crore (p.a.)	₹3.50 Crore to ₹10 Crore (p.a.)
7 days to 1 month	5.00%	5.00%	5.00%
1 month 1 day to 1 month 15 days	5.50%	5.50%	5.50%
1 month 16 days to 2 months	5.80%	5.75%	5.80%
2 months 1 day to 2 months 28 days	6.25%	5.75%	6.25%
2 months 29 days to 3 months	5.65%	5.65%	5.65%
3 months 1 day to 4 months	6.65%	5.85%	6.65%
4 months 1 day to 6 months	6.90%	5.85%	6.90%
6 months 1 day to 9 months	7.00%	5.90%	7.00%
9 months 1 day to 12 months	7.20%	5.90%	7.20%
12 months 1 day to 15 months	7.40%	5.90%	7.40%
15 months 1 day to 18 months	7.55%	5.90%	7.55%
18 months 1 day to 24 months	7.50%	5.90%	7.50%
24 months 1 day to 36 months	7.20%	5.90%	7.20%
36 months 1 day to 45 months	6.90%	5.90%	6.90%
45 months 1 day to 60 months	6.90%	5.90%	6.90%
60 months 1 day and above	6.90%	5.90	6.90%

*AU Small Finance Bank FD rates w.e.f. 31st July 2026. For rates more than ₹10 Cr, contact your Relationship Manager or visit your nearest Branch.

Types of AU Small Finance Bank FD Schemes

AU Small Finance Bank offers multiple fixed deposit schemes to suit different investment goals, tenures, and payout preferences.

AU Regular Fixed Deposits

A Fixed Deposit is a safe, interest-paying investment with returns guaranteed regardless of market conditions. It offers 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
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, avail tax benefits, and earn good returns.
- Lock-in Period: 5 years
- Minimum Deposit Amount: ₹1,000
- Maximum Deposit Amount: Up to ₹1,50,000
- Tax Deductions: Get tax deductions up to ₹1,50,000 under Section 123
- Benefits for Senior Citizens: Get up to 0.50% p.a. higher interest rate
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
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 123: 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.
Choice of Interest Payout Frequency: Select monthly, quarterly, or cumulative (at maturity) interest payouts based on your cash flow preferences.
Loan or Overdraft Facility up to 90%: Get AU Small Bank loan against FD without closing 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.
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.

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.

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)

AU Small Finance Bank FD Calculator

The AU Small Finance Bank FD Calculator helps estimate the maturity amount and interest earnings before opening a fixed deposit. To calculate the returns, enter the deposit amount, investment tenure, and the applicable FD interest rates. The calculator instantly displays the estimated interest earned and the maturity value, making it easier to compare different tenures and plan your investment.

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.

FAQs

1. Can I add a nominee to my AU Small Finance Bank Fixed Deposit?

Yes. You can add a nominee while opening the FD or update the nomination later by submitting the prescribed request form to the bank. A nominee helps ensure the deposit is transferred smoothly in case of the depositor's demise.
2. Is auto-renewal available for AU Small Finance Bank FDs?

Yes. AU Small Finance Bank allows customers to opt for auto-renewal at the time of opening the FD. On maturity, the deposit is renewed for the same tenure at the interest rate applicable on the renewal date, unless other instructions are provided.
3. Can I hold an AU Small Finance Bank FD jointly with another person?

Yes. Resident individuals can open a joint fixed deposit account with one or more applicants, subject to the bank's eligibility criteria and operating instructions.
4. Can I change the interest payout option after opening an AU Small Finance Bank FD?

Generally, the interest payout option selected at the time of booking the FD cannot be changed during the deposit tenure. Customers should choose the preferred payout mode carefully before confirming the deposit.