AU Small Finance Bank Fixed Deposit
AU Small Finance Bank offers both regular fixed deposit and tax saving fixed deposits to customers. It offers attractive rates on all investment tenures.
Senior citizens who invest in the fixed deposits are offered an additional interest.
The small finance bank offers an interest rate in the range of 3.50% p.a. to 7.10% p.a. on different tenures
Types of FD Offered by AU Small Finance Bank
AU Small Finance Bank offer individuals the option of either investing in:
FD Interest Rates Offered by AU Small Finance Bank
FD interest rates offered by AU Small Finance Bank for General Public (Less than Rs.3 crore)
Tenure Bucket | Interest Rates (p.a.) |
7 Days to 1 Month 15 Days | 3.50% |
1 Month 16 Days to 3 Months | 4.75% |
3 Months 1 Day to 6 Months | 5.25% |
6 Months 1 Day to 12 Months | 6.35% |
12 Months 1 Day to 15 Months | 6.90% |
15 Months 1 Day to 18 Months | 6.90% |
18 Months 1 Day to 24 Months | 6.90% |
24 Months 1 Day to 36 Months | 7.10% |
36 Months 1 Day to 45 Months | 7.00% |
45 Months 1 Day to less than 60 Months | 6.75% |
60 Months to 120 Months | 6.75% |
Note: The interest rates are effective from 3 July 2025.
FD Interest Rates Offered by AU Small Finance Bank for Senior Citizens (Less than Rs.3 crore)
Tenure Bucket | Interest Rates (p.a.) |
7 Days to 1 Month 15 Days | 4.00% |
1 Month 16 Days to 3 Months | 5.25% |
3 Months 1 Day to 6 Months | 5.75% |
6 Months 1 Day to 12 Months | 6.85% |
12 Months 1 Day to 15 Months | 7.40% |
15 Months 1 Day to 18 Months | 7.40% |
18 Months 1 Day to 24 Months | 7.40% |
24 Months 1 Day to 36 Months | 7.60% |
36 Months 1 Day to 45 Months | 7.50% |
45 Months 1 Day to less than 60 Months | 7.25% |
60 Months to 120 Months | 7.25% |
Note: The interest rates are effective from 3 July 2025.
FD Interest Rates Offered by AU Small Finance Bank for NRE (Less than Rs.3 crore)
Tenure Bucket | Resident / NRE / NRO Interest Ratesfor Monthly payout p.a.(%) | Senior Citizen Interest Ratesfor Monthly payout p.a.(%) |
7 Days 1 Month to 15 Days | NA | NA |
1 Months 16 Days to 3 Months | NA | NA |
3 Months 1 Day to 6 Months | 5.23% | 5.72% |
6 Months 1 Day to 12 Months | 6.32% | 6.81% |
12 Months 1 Day to 15 Months | 6.86% | 7.35% |
15 Months 1 Day to 18 Months | 6.86% | 7.35% |
18 Months 1 Day to 24 Months | 6.86% | 7.35% |
24 Months 1 Day to 36 Months | 7.06% | 7.55% |
36 Months 1 Day to 45 Months | 6.96% | 7.45% |
45 Months to 1 Day to less than 60 Months | 6.71% | 7.21% |
60 Months to 120 Months | 6.71% | 7.21% |
Note: The interest rates are effective from 3 July 2025.
How to Apply for Fixed Deposit with AU Small Finance Bank
You can open an FD with AU Small Finance Bank online through net banking or by visiting a bank branch and filling up the application form.
Eligibility Criteria to Open Regular Fixed Deposits
Regular fixed deposits offered by AU Small Finance Bank can be opened by:
- Resident Indians
- Partnership firms
- Trust accounts
- Hindu Undivided Families
- Limited Companies
- Sole Proprietorship firms
Eligibility Criteria to Open Tax Saving Fixed Deposits
In order to be eligible for opening a tax saving FD with AU Small Finance Bank, the below-mentioned criteria need to be fulfilled:
- You must be a resident individual or
- You must belong to Hindu Undivided Families
Documents Needed to Open AU Small Finance Bank FD
To open a fixed deposit, you need submit documents like the PAN card or Aadhaar card to the bank authorities.
FAQs on AU Small Finance Bank Fixed Deposit
- What is the minimum deposit amount for opening an FD account?
The minimum deposit amount is Rs.1,000.
- Does the FD account renew automatically?
If you have not given any instructions to the bank on the next step to be taken once the account is matured, the lender will go ahead and renew your deposit for the tenure set earlier.
- Can a senior citizen open a joint fixed deposit account with a non-senior citizen?
Yes, a senior citizen can open a regular fixed deposit account with a non-senior citizen.
- Can I change my existing FD account tenure?
No, you cannot change your existing FD account tenure.
- Is the nomination facility available if I wish to open an FD account with the bank?
Yes, the nomination facility is available if you wish to open an FD account with the bank.
- At what frequency will I receive interest on my FD?
You can receive interest on your FD either on a monthly basis or on a quarterly basis.
- Can I liquidate my FD online through net banking or mobile banking prematurely?
No, you cannot liquidate your Fixed Deposit online via mobile or net banking. You will have to visit the nearest bank's branch to complete the process.
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