Interest Rates
3.50% – 7.10% p.a.
Time Period
7 days to 10 years
Min - Max Amount
1,000 - No upper limit
Compounding
Annually
ENTER AMOUNT
Select Duration
Expected Rate of Return
The future value of investment will be
₹ 0
Invested Amount
₹ 10,000
Est. Returns
₹ 0
AU Small Finance Bank Limited, commonly known as AU SFB, is a prominent scheduled commercial bank in India that has carved a niche in providing inclusive financial services to underserved segments of society. Founded in 1996 by Mr Sanjay Agarwal, a gold-medallist Chartered Accountant and first-generation entrepreneur, the institution began its journey as a vehicle finance company in Jaipur, Rajasthan. What started as a modest venture focused on financing two-wheelers and used cars for rural and semi-urban customers has evolved into a robust banking entity over nearly three decades.
The bank's transformation accelerated in 2010 when it transitioned into a full-fledged Non-Banking Financial Company (NBFC), expanding its portfolio to include small business loans, secured enterprise loans, and gold loans. This strategic pivot was driven by a commitment to financial inclusion, targeting micro, small, and medium enterprises (MSMEs) and individual borrowers often overlooked by larger banks. In 2017, AU received a Small Finance Bank licence from the Reserve Bank of India (RBI), marking a pivotal milestone. This upgrade enabled it to offer a broader spectrum of services, including savings accounts, fixed deposits, current accounts, and digital banking solutions, while maintaining its core focus on retail and MSME lending.
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 Days to 14 Days | 3.50% | 4.00% |
15 Days to 29 Days | 3.50% | 4.00% |
30 Days to 45 Days | 3.75% | 4.25% |
46 Days to 90 Days | 4.50% | 5.00% |
91 Days to 3 Months | 4.75% | 5.25% |
3 Months 1 Day to 6 Months | 5.25% | 5.75% |
6 Months 1 Day to 12 Months | 6.35% | 6.85% |
12 Months 1 Day to 15 Months | 6.90% | 7.40% |
15 Months 1 Day to 18 Months | 6.90% | 7.40% |
18 Months 1 Day to 24 Months | 6.90% | 7.40% |
24 Months 1 Day to 36 Months | 7.10% | 7.60% |
36 Months 1 Day to 60 Months | 7.00% | 7.50% |
60 Months 1 Day to 120 Months | 6.75% | 7.25% |
Note: The data is as of August 4, 2025
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 Days to 1 Month | 5.00% | 5.50% |
1 Month 1 Day to 1 Month 15 Days | 5.15% | 5.65% |
1 Month 16 Days to 2 Months | 5.20% | 5.70% |
2 Months 1 Day to 3 Months | 5.25% | 5.75% |
3 Months 1 Day to 6 Months | 5.25% | 5.75% |
6 Months 1 Day to 12 Months | 6.35% | 6.85% |
12 Months 1 Day to 24 Months | 6.90% | 7.40% |
24 Months 1 Day to 36 Months | 7.00% | 7.50% |
Above 36 Months | 6.75% | 7.25% |
Note: The data is as of August 4, 2025
AU Small Finance Bank's Fixed Deposits (FDs) stand out for their blend of security, flexibility, and competitive returns, making them an ideal choice for conservative investors seeking stable income. Key features include a low entry barrier with a minimum deposit of just ₹1,000, allowing accessibility for all income levels. Tenures range from a mere 7 days to 10 years, catering to both short-term liquidity needs and long-term wealth accumulation. Interest is compounded annually on an anniversary basis, maximising earnings through reinvestment, while options for monthly, quarterly, or maturity payouts provide liquidity for retirees or those needing regular income.
Benefits extend to senior citizens, who receive an additional 0.50% p.a. on rates, enhancing retirement planning. The FDs are insured up to ₹5 lakh by the Deposit Insurance and Credit Guarantee Corporation (DICGC), ensuring principal safety. Loan facilities against FDs offer up to 90% of the deposit value at competitive rates, providing emergency funding without breaking the deposit. Auto-renewal options simplify reinvestment, and nomination facilities add convenience. With high credit ratings like CRISIL AA+/Stable, these FDs promise reliability in an uncertain market, combining guaranteed returns with hassle-free digital opening via the AU 0101 app. Overall, they deliver peace of mind alongside attractive yields.
The cornerstone of AU's FD portfolio is the Regular Fixed Deposit, a versatile option for everyday savers. This scheme allows deposits starting from ₹1,000 with no upper cap, spanning tenures from 7 days to 10 years. Interest rates, as of August 2025, range from 3.50% to 7.10% p.a. for general depositors and up to 7.60% for seniors. Payout frequencies, monthly, quarterly, half-yearly, annually, or at maturity, offer flexibility for cash flow management.
For tax-conscious investors, the 5-Year Tax Saver Fixed Deposit provides deductions under Section 80C of the Income Tax Act, up to ₹1.5 lakh annually. Locked for exactly 60 months, it eliminates premature withdrawal temptations, ensuring disciplined saving. Rates mirror regular FDs but lock in at booking, currently around 7.00% p.a. for regulars and 7.50% for seniors. This scheme suits salaried professionals or HUFs maximising post-tax returns, with interest taxable as per slabs but offset by the deduction.
Innovation shines in the Flexi Fixed Deposit (Sweep-In FD), merging FD security with savings account liquidity. Linked to a savings or current account, it automatically sweeps excess balances above a threshold (e.g., ₹25,000) into an FD at higher rates, while allowing partial withdrawals without penalties up to the threshold. This hybrid earns FD interest on swept amounts while maintaining cheque-writing privileges. Tenures align with regular FDs, but the real benefit is overdraft protection, funds are swept back during shortages. .
Sustainability enthusiasts can opt for the AU Green Fixed Deposit, funding eco-friendly projects like renewable energy. Rates are marginally higher, up to 7.29% for seniors on 24-36 months, rewarding green investing. Otherwise akin to regular FDs, it appeals to environmentally aware depositors, with proceeds directed towards verified sustainable initiatives. This scheme underscores AU's commitment to ESG principles, attracting millennials and corporates.
The Smart Fixed Deposit introduces callable and non-callable variants for bulk investors (₹3 crore+), offering customised rates for large sums. Callable FDs allow early redemption at predefined windows, suiting dynamic portfolios, while non-callable lock rates for stability.
Additionally, NRE/NRO Fixed Deposits cater to NRIs, with tax-free interest on NRE (repatriable) and taxable NRO (non-repatriable) schemes. Rates match domestic for tenures over 12 months, with quarterly compounding options.
Understanding term-wise rates is crucial for optimising returns on AU Small Finance Bank Fixed Deposits. As of August 4, 2025, shorter tenures (7 days to 3 months) offer modest rates of 3.50%-4.75% p.a. for regulars, ideal for parking funds temporarily with minimal commitment.
Mid-term options (3-12 months) climb to 5.25%-6.35%, balancing liquidity and growth for working capital needs. The sweet spot lies in 12-24 months at 6.90%, where rates peak for stability seekers.
Longer locks (24-60 months) yield 7.00%-7.10%, maximising compounding benefits for retirement or education goals, though liquidity dips. Beyond 60 months, rates ease to 6.75% for ultra-long horizons. Seniors enjoy a 0.50% uplift across boards, enhancing appeal. These tiered structures encourage matching tenure to objectives, ensuring compounded annual growth outpaces inflation while preserving capital.
| Tenure Range | Institution Name | Interest Rate Range (%p.a.) |
|---|---|---|
| 24 Months 1 Day to 36 Months | 7.10› |
 | 15 months to less than 2 years | 6.70› |
 | 12 months to less than 24 months | 7.75› |
 | 365 days/ One Year | 6.20› |
 | 1 year to less than 2 years | 6.60› |
Note: The data is as of August 4, 2025
Investing in an AU Small Finance Bank Fixed Deposit (FD) is a straightforward process, prioritising digital convenience to suit modern lifestyles. Whether you're an existing customer or new, the bank facilitates online, app-based, or branch openings, ensuring quick activation within minutes.
For existing AU customers, the AU 0101 mobile app or net banking portal offers the simplest route. Download the app from Google Play or App Store, log in with your credentials, and navigate to the 'Deposits' section. Select 'Open Fixed Deposit', choose the scheme (regular, tax saver, etc.), input the amount (minimum ₹1,000), tenure (7 days-10 years), and payout preference (monthly or compounding).
Eligibility for an AU Small Finance Bank FD account is inclusive, welcoming resident Indians, NRIs, HUFs, and entities like trusts or societies. Individuals must be at least 18 years old, with no upper age limit, seniors (60+) qualify for enhanced rates automatically upon proof. Existing or new customers need a valid PAN and Aadhaar for KYC compliance. NRIs require passport and overseas address verification for NRE/NRO FDs.
Minors can open via guardians. Corporates or partnerships submit incorporation documents. No income proof is mandated, but CIBIL score may influence loan-against-FD approvals. Overall, AU's criteria ensure broad accessibility while adhering to RBI norms.
Opening an AU Small Finance Bank FD requires minimal documentation for swift processing. Mandatory items include a valid PAN card for tax purposes and Aadhaar card for e-KYC verification. For address proof, options like Voter ID, passport, utility bills (not older than 3 months), or bank statements suffice. Senior citizens submit pension orders or age proof (e.g., birth certificate).
NRIs need passport, visa, and overseas address evidence. Joint accounts require documents for all holders. New customers provide recent passport-size photos; existing ones skip this. Digital uploads via app expedite verification, with video KYC eliminating physical copies. AU accepts attested scans, ensuring compliance without hassle.
Taxation on AU Small Finance Bank Fixed Deposits follows standard Income Tax Act provisions, treating interest as 'Income from Other Sources' added to your slab rate (5%-30% plus cess). No tax applies on principal, but interest exceeding ₹40,000 annually (₹50,000 for seniors) attracts 10% TDS, deductible at source unless Form 15G/H is submitted (for non-senior PAN holders with income below exemption limit).
For Tax Saver FDs, Section 80C deduction up to ₹1.5 lakh offsets taxable income, though interest remains taxable. NRIs face 30% TDS on NRO interest (reducible via DTAA) and TDS-free NRE interest. Advance tax may apply if liability exceeds ₹10,000 yearly. AU issues Form 16A for TDS credit during ITR filing. Quarterly interest options aid cash flow but trigger earlier TDS. Investors should consult tax advisors for optimal structuring, especially with compounding boosting effective yields. This framework balances revenue collection with saver incentives.
Premature closure of an AU Small Finance Bank FD is permitted after 7 days, offering flexibility for unforeseen needs, but incurs a 1% penalty on applicable interest rates. No interest accrues if closed within the initial period; post-that, revised lower rates apply minus penalty. Tax Saver FDs prohibit early withdrawal entirely. Process via app/branch: submit request, TDS adjusts accordingly, and funds credit within 2-3 days post-penalty deduction. This safeguard discourages impulsive exits while preserving access.
Log into the AU 0101 app or net banking, select 'Open FD' under deposits, choose scheme and tenure, enter amount, and confirm with OTP for instant activation. New users can use video KYC on the website for seamless remote verification without branch visits.
The minimum deposit is ₹1,000, making it accessible for small savers seeking secure returns. For Tax Saver FDs, the cap is ₹1.5 lakh per financial year to qualify for deductions.
Tenures range from 7 days for short-term parking to 10 years for long-term growth, with flexible mid-options like 6-24 months for balanced liquidity. This variety suits diverse goals from emergency funds to retirement planning.
Applicants must be 18+ with valid PAN and Aadhaar for e-KYC; seniors auto-qualify for premiums via age proof. NRIs need passport details, ensuring inclusive access for residents and non-residents alike.
The highest rate is 7.10% p.a. for general public on 24-36 month tenures under ₹3 crore deposits. Seniors earn up to 7.60% on the same, as of August 2025, maximising yields for longer commitments.
Access the tool on aubank.in, input principal, tenure, and rate to project maturity and interest; subtract 80C deductions for Tax Saver FDs to estimate net tax. This aids slab-wise liability forecasting, optimising post-tax returns annually.
Opt for longer tenures like 24-36 months for peak rates and annual compounding to harness growth; seniors should leverage 0.50% extras. Ladder multiple FDs across terms for liquidity while renewing auto at maturity to lock favourable rates.
