AU Small Finance Bank Savings Account

What is an AU Small Finance Bank Savings Account

AU Small Finance Bank savings account helps customers to save their money in a safe deposit where they earn interest on their deposit. The bank provides various savings account plans to individuals, families, women, senior citizens, and children. Customers also receive digital banking, debit cards, and access to make transactions easily. 

AU Small Finance Bank Savings Account Interest Rates

The table below shows the savings account interest rates on resident accounts and Non-Resident Account (NRE/NRO) at the AU small finance bank:

*AU small finance bank Savings account interest rates w.e.f. Jan 12th,2026

Types of AU Small Finance Bank Savings Account

AU Small Finance Bank provides several savings account options designed for different customer needs and financial preferences.

1. AU Digital Savings Account

   This account allows easy online account opening. It provides mobile banking, internet banking, digital transactions, and convenient tools to manage savings anytime.

2. AU Royale

    It offers its resident and non-resident customers high-end banking services, high-priority customer services, and special interest rates.

3. AU Royale World

   This is designed to serve the high-net-worth customers who require quality banking services. It offers relationship management, lifestyle privilege, travel services, and special offers on luxury services and products.

4. AU Platinum

    The account is for customers who have higher account balances. It provides increased withdrawal limits, partner merchant discounts, and investment accessibility. This makes it the best savings account in premium banking.

5. AU Platinum World

   It is targeted to satisfy customers requiring high banking benefits. The savings account also has an individualised lifestyle, exclusive relationship management, and special treatment in events and personalised financial services.

6. AU NRI Account

   Created for Non-Resident Indians who want to maintain banking relationships in India. It supports easy fund transfers, attractive interest rates, and banking services designed for NRI financial needs.

7. AU Savings Account

   A standard banking option that allows customers to deposit money while earning interest safely. It provides basic banking facilities, including ATM access, digital banking services, and easy fund transfers.

8. AU Women Account

   This is intended to help women gain financial independence. It provides one-on-one banking, women-specific financial advice, and women-focused banking discounts.

9. AU Senior Citizen Account

   It is applicable to individuals who are above 60 years. It provides banking services that are friendly to the seniors, higher interest rates, healthcare benefits, lifestyle and customised banking services.

10. AU Student Account

    The account will focus on helping students in the financial management aspect of education. It offers online banking, ease of transactions, excellent interest rates, and offers that are student-friendly.

11. AU Kids Account

    It benefits children to learn the value of saving money from an early age. It offers a supervised banking experience with parental control, rewards, and educational tools to build saving habits.

Key Features of AU Small Finance Bank Savings Account

The following are the major characteristics of the savings accounts of the AU Small Finance Bank that enable convenient banking.

• Competitive Interest Rates: The interest is calculated on a daily balance and at quarterly credits, which enable customers to accumulate savings.
• Digital Banking Access: Depositors can use mobile banking and internet banking to check balances, transfer money, and manage transactions anytime.
• Various Fund Transfer Solutions: NEFT, RTGS, IMPS, and UPI help investors to transfer money easily. Such services facilitate secure and fast transfer of personal and business transactions.
• Sweep-in FD Facility: The AU Small Finance Bank sweep in FD facility automatically sweeps excess balance out of the savings account into a fixed deposit. This enables customers to receive better FD interest rates and keep the funds readily available when required.

How To Open an AU Small Finance Bank Savings Account

There are online and offline ways customers can open an AU Small Finance Bank Savings Account.

Online Application

To open the account online, follow the steps below:

• Go to Website or App: Visit the official site of the AU Small Finance Bank or get the mobile banking app of AU.
• Select the Savings Account: Determine the specific type of savings account you require.
• Complete Application Form: You will be required to fill in some basic details of your information such as name, mobile numbers, address, PAN details, etc.
• Upload Documents: Upload Adhaar card, PAN card and passport-size photograph.
• Complete Video KYC: Check your identity through the video KYC process.
• Activation of Account: When you are successfully verified, your savings account is activated by the bank.

Offline Application

You can also open a savings account by visiting a bank branch.

• Go to Website or App: Visit the official site of the AU Small Finance Bank or get the mobile banking app of AU.
• Choose Savings Account: Choose the type of savings account you want to open.
• Complete the Form: Enter your personal information and fill out the form.
• Submit Documents: Submit required documents such as identity proof, address proof, PAN card, and photographs.
• Full Verification: Sign the form of application and go through verification with the bank official.
• Account activation: When the bank has validated the account, the savings account becomes active.

Key Takeaways

AU Small Finance Bank savings accounts offer varying banking services to meet various banking needs. It consists of digital, women, senior citizens, students and family accounts. The interest is between 2.50% to 6.50% per annum. The sweep in FD facility is also available under the account, where the excess balance can be swept back into a fixed deposit to get a higher AU Small Finance Bank FD interest rate.