AU Small Finance Bank Senior Citizen RD Interest Rates

What is the AU Small Finance Bank Senior Citizen RD?

The AU Small Finance Bank Senior Citizen Recurring Deposit (RD) is a savings scheme designed for individuals aged 60 years and above. Here, a fixed amount is deposited every month for a chosen period, and you can gain substantial returns. This RD offers 0.50% higher interest rates for senior citizens, which are more than the normal category.

The tenure is flexible, ranging from 3 months to 10 years, and the interest rates for senior citizens currently range from 5.25% to 7.60% per annum. The scheme has a minimum deposit of ₹100, which can be easily made by lower-income groups as well. An RD Calculator can be used for accurate estimation.

AU Small Finance Bank Senior Citizen RD Interest Rates

Below are the RD interest rates for various tenures, offering better returns with flexible investment alternatives.

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

Key Features of AU Small Finance Bank Senior Citizens RD

The AU Small Finance Bank senior citizen RD is designed to provide stable returns with these features:

• Calculation of interest: For recurring deposits, the interest on deposits is compounded at quarterly intervals at the applicable rates from the date of the instalment paid.
• Premature withdrawal: The AU Small Finance Bank RD premature withdrawal allows early withdrawal in emergencies, generally with a penalty of around 1% on the interest. In case of premature closure in a month, no interest will be paid out to the customer and only the principal amount will be returned.
• Termination of RD account: If customers fail to pay the monthly installments and three installments fall in debt, the bank has the right to terminate the account. The RD interest rate levied on such accounts will be in accordance with the bank's premature withdrawal policy.
• Loan 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 Senior Citizen RD

The procedure to open an AU Small Finance Senior Citizen RD is simple and can take place in both online and offline modes.

Online Method

Opening an AU Small Finance Bank Senior Citizen RD online requires account holders to follow the steps in sequence.

• Log in to net banking: You can visit online and log in with the net banking account or the AU 0101 app.
• Choose RD Type: Select the senior citizen RD which you want.
• Deposit Details: Enter the amount you want to deposit each month and start an RD instantly.
• Review Interest and Details: Select the rate of interest to charge to senior citizens and check all details.
• Review Interest and Details: Choose the interest rate and fill in the details.
• Confirm and Activate: Submit the request to activate your RD instantly.

Offline Method

The AU Small Finance Bank Senior Citizen RD may also be opened at a branch:

• Visit the Bank Office: Visit the closest branch of AU Small Finance Bank.
• RD Application Form: You can easily fill out the RD application form with the right details.
• Enter Banking Requirements: To get started, fill out the form with details about your deposit, the tenure you want the RD for and provide the account information.
• KYC: You need to provide an Aadhar card, PAN card and passport for KYC completion.
• Instalment Options: You can easily select the minimum and maximum amount which *you wish to deposit.
• Open RD: After filling the form the bank will process your RD.

AU Small Finance Bank Senior Citizen RD Eligibility Criteria

The following criteria must be met when opening an account:

• Age limit: Customers aged 60 and above are eligible to benefit from the RD interest rates, which have been aligned with the bank's rates. They can easily open an individual account or a joint account.
• Resident Status: Resident citizens and non-resident citizens can both open an RD account.
• KYC documents: For the KYC procedure, you need to provide an Aadhar card, a PAN card, a passport and identity proof.
• Documents Requirement: You need to show proof of your identity and address. Examples include a passport, an Aadhar card or Voter ID, or utility bills.

Key Takeaways

The Senior Citizen Recurring Deposit (RD) from AU Small Finance Bank is a dependable and structured way for people aged 60 and above to get stable returns. The RD rates are 0.50% higher than the normal category and range between 5.25% to 7.60% per annum. The tenure starts from a minimum of 3 months and extends to 10 years.