AU Small Finance Bank RD Interest Rates

What is an AU Small Finance Bank Recurring Deposit?

An AU Small Finance Bank Recurring Deposit (RD) lets you save money regularly by depositing a fixed amount each month for a set period. You can start with a small monthly instalment and continue regularly to develop a disciplined savings habit.

Each deposit earns interest at a constant rate, and the RD interest rate remains the same over the entire tenure. The tenure varies from three months to 10 years, helping you plan in line with your financial goals.

You can open an AU RD through the AU 0101 App, Video Banking, or by visiting a branch. You can also use the RD calculator to check returns and plan better.

AU Small Finance Bank RD Interest Rates

The table given here shows the latest RD interest rates provided by the bank for resident customers across different tenures.

*AU Small Finance Bank RD Interest Rates w.e.f. January 12, 2026.

Key Features of AU Small Finance Bank RD

AU Small Finance Bank provides recurring deposit features for easy use, flexible terms, and steady savings.

• Convenient Banking Access: You can manage deposit-related requests easily through Video Banking without visiting a branch. This makes the process quick and simple.
• Assured Returns: The returns are fixed at the time the RD is opened. This helps in clear financial planning as the maturity value is predictable.
• Simple and Reliable Option: The RD is easy to understand and suitable even for first-time investors. It helps build savings in a steady and disciplined way.
• Easy Withdrawal Facility: You can withdraw the deposit before maturity, subject to a small charge. The AU Small Finance Bank RD premature withdrawal facility helps provide access to funds when required.
• Deposit Safety with Insurance: Your deposit is insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC), which provides added security to your savings.
• Loan Facility Against RD: You can take a loan against your deposit without closing it. The AU Small Finance Bank Loan against RD option allows funds for urgent needs while your savings continue to earn returns.

How to Open an AU Small Finance Bank RD Account

Opening an RD account with AU Small Finance Bank is simple and can be done online or in person at a branch.

Online Method

You can easily set up an RD account with digital banking services.

• Login to Banking Platform: Access AU 0101 App or net banking account.
• Select Recurring Deposit Option: Choose the RD account option inside the deposits section menu.
• Enter Deposit Details: Fill monthly instalment, tenure, and nominee details with care.
• Verify Account Information: Review the provided details and confirm the linked AU Small Finance Bank savings account.
• Submit RD Request: Finish the request using OTP authentication for proper processing.
• Receive Confirmation Message: RD account becomes activated with a confirmation message on the screen.

Offline Method

You may also open an RD account at a branch.

• Visit the Nearest AU Bank Branch: Go to the branch during working hours with the documents.
• Request RD Application Form: Ask the bank staff for the recurring deposit account form.
• Fill Required Details: Provide personal, nominee, and deposit details with correct accuracy.
• Submit KYC Documents: Provide identity proof, address proof, and photographs as required.
• Deposit First Instalment: Pay the initial amount in cash, by cheque, or by transfer.
• Collect RD Acknowledgement: Receive account details and confirmation from bank staff.

Eligibility Criteria for AU Small Finance Bank RD

Opening an RD account with AU Small Finance Bank is simple, as the bank allows a wide range of applicants under basic eligibility rules.

• Resident Individuals Eligible: Resident Indian individuals, including senior citizens, can apply. This makes it suitable for regular and retired account holders.
• Non-Resident Indians Allowed: Non-Resident Indians can open RD accounts in NRE and NRO categories. This helps them keep savings in India.
• Non-Individual Entities Accepted: Firms, companies, and institutions are allowed to open RD accounts. It supports organised savings for business or institutional needs.

Key Takeaways

AU Small Finance Bank RD supports disciplined savings with flexible tenure from 3 months to 10 years. Interest rates fall between 4.75% and 7.10% for general customers and 5.25% to 7.60% for senior citizens. It remains open for Resident, NRI, and non-personal accounts, with simple opening via app, Video Banking, or branch access facilities.