AU Small Finance Bank RD Rates 2026

How to Open an RD Account with AU Small Finance Bank

If you have a Savings Account with AU Small Finance Bank, you can open a recurring deposit account in one of the following ways: 

1. Video Banking - To open a recurring deposit account using the video banking facility, you will require your Aadhaar card and PAN card.  
2. Offline - You can start a recurring deposit account by visiting your nearest AU Small Finance Bank branch.  
3. AU 0101 app/netbanking - If you are an existing customer, you can use the AU 0101 app/netbanking to book a recurring deposit.  

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Eligibility Criteria for AU Small Finance Bank RD 

A recurring deposit account with AU Small Finance Bank can be opened by the following: 

• Resident Indians (including senior citizens) 
• Non-resident Indians 

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Documents Required for AU Small Finance Bank RD 

The documents required to open an RD account with AU Small Finance Bank are as follows: 

• Duly filled application form 
• Proof of identity - Aadhaar card, passport, voter ID, etc. 
• Proof of address - Driving license, utility bills, passport, etc. 
• Passport size photographs 

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AU Small Finance Bank RD Interest Rates

Tenure	General Public Rate	Senior Citizen Rate
3 Months	4.75% p.a.	5.25% p.a.
4–6 Months	5.25% p.a.	5.75% p.a.
7–12 Months	6.35% p.a.	6.85% p.a.
13–15 Months	6.90% p.a.	7.40% p.a.
16–18 Months	6.90% p.a.	7.40% p.a.
19–24 Months	6.90% p.a.	7.40% p.a.
25–36 Months	7.10% p.a.	7.60% p.a.
37–45 Months	7.00% p.a.	7.50% p.a.
46–59 Months	6.75% p.a.	7.25% p.a.
60–120 Months	6.75% p.a.	7.25% p.a.

Note: The interest rates mentioned in the table above can vary according to the bank's discretion. These rates are effective from 3 July 2025.

FAQs on AU Small Finance Bank RD Rates

1. What are the interest rates offered on AU Small Finance Bank recurring deposits?

   The interest rates offered on AU Small Finance Bank recurring deposits range from 4.75% p.a. to 7.10% p.a. for the general public. 

2. What are the tenures offered on AU Small Finance Bank recurring deposits?

   AU Small Finance Bank offers recurring deposits for tenures ranging from 3 months to 120 months. 

3. Can I open a recurring deposit account with AU Small Finance Bank online?

   Yes, you can open a recurring deposit account with AU Small Finance Bank online. 

4. Will I get any tax benefits from investing in a AU Small Finance Bank recurring deposit?

   Yes, you can avail yourself of tax benefits if you invest in tax-saving scheme offered by AU Small Finance Bank.  

5. Can I add nominees to my recurring deposit account?

   Yes, you can add nominees to your recurring deposit account.  

6. Does the AU Small Finance Bank RD offer additional interest rates to senior citizens?

   Yes, senior citizens get an additional 0.50% interest on their recurring deposits.  

7. Is it possible to withdraw my recurring deposit before maturity?

   Yes, you can withdraw your recurring deposit before maturity. However, you will have to pay a penalty of 1.00% for such premature withdrawals.  

8. Who can open a recurring deposit account with AU Small Finance Bank?

   All resident Indians and non-resident Indians are eligible to open a recurring deposit account with AU Small Finance Bank. 

About the Author

Kankana Mukherjee

Kankana Mukherjee is an engineer and has over 4.5 of experience in content writing. Combining the expertise in financial content writing achieved in her 2 years association with BankBazaar, and a knack for clear and engaging content, Kankana simplifies complex financial concepts and offers practical insights to help readers make informed decisions and achieve financial success.