AU Small Finance Bank offers FD interest rates of 3.75-8.00% p.a. to the general public and 4.25-8.50% p.a. to senior citizens on tenures ranging from 7 days to 10 years. The interest rate on AU Small Finance Bank Tax Saving FDs is 7.20% p.a. for the general public and 7.70% p.a. for senior citizen depositors for tenures of 5 years. The bank also offers various fixed deposit products for NRIs, such as NRO and NRE fixed deposits. AU Small Finance Bank has been recognised as a scheduled bank by the RBI, which makes its depositors eligible for deposit insurance provided by the Depositor Insurance and Credit Guarantee Corporation (DICGC). The deposit insurance cover from DICGC, an RBI subsidiary, insures cumulative deposits up to Rs 5 lakh made by each depositor, including his fixed deposits, savings, current, and recurring deposits, in each scheduled bank in case of the failure or merger/amalgamation of a scheduled bank.
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AU Small Finance Bank FD Interest Rates (p.a.) Highlights 2023 |
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| Highest slab rate | 8.00% (24 months 1 day – 36 months) |
| For 1 year | 6.75% |
| For 2 years | 7.50% |
| For 3 years | 8.00% |
| For 4 years | 7.20% |
| For 5 years | 7.20% |
| Tax-Saving FD | 7.20% |
The interest rates are updated as of 1 June 2023
Card limit is 100% of FD Amount
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6.5%INTEREST ON FD
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 days – 1 month 15 days | 3.75 | 4.25 |
| 1 month 16 days – 3 months | 4.25 | 4.75 |
| 3 months 1 day – 6 months | 5.00 | 5.50 |
| 6 months 1 day – 12 months | 6.75 | 7.25 |
| 12 months 1 day – 15 months | 7.60 | 8.10 |
| 15 months 1 day – 18 months | 7.75 | 8.50 |
| 18 months 1 day – 24 months | 7.50 | 8.00 |
| 24 months 1 day – 36 months | 8.00 | 8.50 |
| 36 months 1 day – 45 months | 7.75 | 8.25 |
| 45 months 1 day to less than 60 months | 7.20 | 7.70 |
| 60 months – 120 months | 7.20 | 7.70 |
Note: 1. The minimum tenure of NRE deposits is 12 months 1 day
2. The additional senior citizen rates are applicable to only resident senior citizens of India, who have a banking relationship with AU Small Finance Bank.
FDs of up to ₹5 lakhs insured by RBI
No hassle of opening a saving account
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| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years | 7.20 | 7.70 |
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An FD calculator is a tool using which customers can know the potential maturity amount on investing in a fixed deposit. Before investing in a fixed deposit with AU Bank, it is suggested to use the FD Calculator available at Paisabazaar.com which is a free tool and can be used multiple times. Customers need basic information like the deposit amount and tenure along with the prevailing AU Bank FD rates for the respective term.
Q. What is the highest that senior citizens can earn on investing in FD with the bank?
A. AU Small Finance Bank offers FD interest rates of 8.50% for a tenure of 24 months 1 day to 36 months to senior citizen FD depositors.
Q. Does investing in fixed deposits by AU Bank help in saving tax?
A. Investing in a 5-year tax-saving fixed deposit scheme shall aid investors in saving on income tax.
Q. What benefit does one get from investing in small finance banks over leading commercial banks?
A. A highlight of investing in a small finance bank is the chance to earn returns at higher fixed deposit rates but before deciding, investors must check the financial health of the lender along with its credit rating to ensure safety.
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