AU Small Finance Bank Fixed Deposit Rates
AU Small Finance Bank Fixed Deposit rates currently range from 3.50% p.a. to 7.90% p.a. across tenures of 7 days to 10 years, with senior citizens earning a higher rate. The bank offers regular, tax-saving and monthly-payout Fixed Deposits, with tax-saving FDs fixed at a five-year tenure.
Types of FD Offered by AU Small Finance Bank
AU Small Finance Bank offers individuals the option of either investing in:
- Regular fixed deposits
- Tax saving fixed deposits
- Monthly-payout fixed deposits, where resident, NRE/NRO and senior citizen depositors can choose to receive interest every month at a discounted rate instead of at maturity or quarterly.
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 | 7.10% |
15 Months 1 Day to 18 Months | 7.00% |
18 Months 1 Day to 24 Months | 7.00% |
24 Months 1 Day to 30 Months | 7.10% |
30 Months 1 Day to 36 Months | 7.40% |
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 1 September 2026.
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 | 7.60% |
15 Months 1 Day to 18 Months | 7.50% |
18 Months 1 Day to 24 Months | 7.50% |
24 Months 1 Day to 30 Months | 7.60% |
30 Months 1 Day to 36 Months | 7.90% |
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 10 June 2026.
FD Interest Rates Offered by AU Small Finance Bank for NRE (Less than Rs.3 crore)
Tenure Bucket | Resident / NRE / NRO Interest Rates for Monthly Payout (p.a.) | Senior Citizen Interest Rates for Monthly Payout (p.a.) |
7 Days to 1 Month 15 Days | NA | NA |
1 Month 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 | 7.06% | 7.55% |
15 Months 1 Day to 18 Months | 6.96% | 7.45% |
18 Months 1 Day to 24 Months | 6.96% | 7.45% |
24 Months 1 Day to 30 Months | 7.06% | 7.55% |
30 Months 1 Day to 36 Months | 7.35% | 7.85% |
36 Months 1 Day to 45 Months | 6.96% | 7.45% |
45 Months 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 1 September 2026.
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.
Premature withdrawal of an AU Small Finance Bank Fixed Deposit is allowed only at a branch and attracts a penalty, and no interest is paid at all if the deposit is closed within seven days of booking.
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
- An AU Small Finance Bank tax-saving Fixed Deposit can only be booked for a tenure of five years, and the interest it earns is taxable in the depositor's hands.
Documents Needed to Open AU Small Finance Bank FD
To open a fixed deposit, you need to submit documents like the PAN card or Aadhaar card to the bank authorities.
Summary
AU Small Finance Bank offers regular, tax-saving and monthly-payout Fixed Deposits, with rates currently between 3.50% p.a. and 7.90% p.a. and an additional rate for senior citizens. Deposits can be opened online through net banking or at a branch with just a PAN or Aadhaar card. Compare the current tenure-wise rates above before booking an AU Small Finance Bank FD that matches your investment horizon.
FAQs on AU Small Finance Bank Fixed Deposit
1.What is an AU Small Finance Bank Fixed Deposit?
An AU Small Finance Bank Fixed Deposit is a lump-sum investment that earns a fixed rate of interest over a chosen tenure ranging from 7 days to 10 years. Both regular and tax-saving variants are available to eligible depositors.
2.What types of fixed deposits does AU Small Finance Bank offer?
AU Small Finance Bank offers regular fixed deposits, tax-saving fixed deposits, and a monthly-payout option that credits interest every month instead of at maturity.
3.Who can open a regular AU Small Finance Bank Fixed Deposit?
Resident Indians, partnership firms, trusts, Hindu Undivided Families, limited companies and sole proprietorship firms can open a regular AU Small Finance Bank Fixed Deposit.
4.Who is eligible for an AU Small Finance Bank tax-saving Fixed Deposit?
Resident individuals and Hindu Undivided Families can open an AU Small Finance Bank tax-saving Fixed Deposit, which comes with a fixed five-year tenure.
5.What documents do I need to open an AU Small Finance Bank FD?
You need a PAN card or Aadhaar card to open an AU Small Finance Bank Fixed Deposit.
6.How can I open a Fixed Deposit with AU Small Finance Bank?
You can open an AU Small Finance Bank Fixed Deposit online through net banking or by visiting a branch and filling out the application form.
7.Does an AU Small Finance Bank FD renew automatically at maturity?
Yes, if you do not give fresh instructions before maturity, AU Small Finance Bank renews the Fixed Deposit for the same tenure it was originally booked for.
8.Can I change the tenure of my existing AU Small Finance Bank FD?
No, the tenure of an AU Small Finance Bank Fixed Deposit cannot be changed once the deposit has been booked.
9.Can a senior citizen open a joint AU Small Finance Bank FD with a non-senior citizen?
Yes, a senior citizen can open a regular AU Small Finance Bank Fixed Deposit jointly with someone who is not a senior citizen.
10.Is nomination available on an AU Small Finance Bank Fixed Deposit?
Yes, AU Small Finance Bank allows depositors to add a nominee when opening a Fixed Deposit account.
11.How often is interest paid on an AU Small Finance Bank FD?
Interest on an AU Small Finance Bank Fixed Deposit can be paid out monthly or quarterly, depending on the payout option chosen at booking.
12.Can I withdraw my AU Small Finance Bank FD online before maturity?
No, premature withdrawal of an AU Small Finance Bank Fixed Deposit requires a branch visit and is not available through net banking or the mobile app.
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