For risk-averse investors, fixed deposits serve as a reliable means to park surplus funds and build wealth. AU Small Finance Bank offers various FD options, providing flexibility in tenor selection to suit diverse investment strategies and goals.

 

With AU Small Finance Bank fixed deposits, investors can enjoy competitive interest rates. Non-senior citizen depositors can earn up to 8.00% p.a., while senior citizens receive an additional 0.50% interest. This flexibility caters to different investor profiles.

AU Small Finance Bank FD Interest Rates

Here are the interest rates of AU Small Finance Bank FDs under ₹2 Crores: 

Tenor (Days)

Non-Senior Citizen (p.a.)

Senior Citizen (p.a.)

7 - 45

3.75%

4.25%

46 - 90

4.25%

4.75%

91 - 180

5.00%

5.50%

181 - 365

6.75%

7.25%

366 - 455

7.75%

8.25%

456 - 547

7.50%

8.00%

547 

8.00%

8.50%

548 - 730

7.75%

8.25%

731 - 1095

7.50%

8.00%

1096 - 1369

7.50%

8.00%

1370 - 1825

7.25%

7.75%

1825 - 3650

7.25%

7.75%

Disclaimer: These interest rates are effective as of January 24, 2024, and are subject to change at the bank’s discretion. 

Types of FDs from AU Small Finance Bank

Here are different types of FDs you can choose from:

Regular Fixed Deposits

  • FDs are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC)

  • Add a beneficiary to claim the deposit on your behalf in the case of an unfortunate event

  • Opt for premature withdrawal facility 

  • Choose between monthly, quarterly, or annual interest payout options

5-year Tax-saving Fixed Deposits

  • Enjoy tax benefits on your cumulative interest income

  • Invest for a mandatory lock-in period of 5 years

  • Get tax exemption of up to ₹1.50 Lakhs under Section 80C of the Income Tax Act, 1961

Features and Benefits

Competitive Interest Rates

Attractive interest rates of up to 8.50% p.a.*

Flexible Tenors

Choose from flexible tenor options ranging from 7 days to up to 10 years

Multiple Payout Options

Option to choose between monthly, quarterly, annual, and cumulative interest payout modes

Low Minimum Deposit Amount

Book your FD online with an investment amount as low as ₹1,000

Eligibility Criteria and Documents Required

You must meet the required eligibility criteria before applying for an AU Small Finance Bank Fixed Deposit. The parameters are as follows: 

  • Investors must be an Indian resident, NRI, or a member of a Hindu Undivided Family

  • Investors must be a partnership firm, sole proprietorship firm, limited company, or trust
     

You can easily apply online with minimal KYC documentation if you fit the eligibility criteria. Here is the list of documents you must submit to book an AU Small Finance Bank FD.

  • Proof of identity, such as your Aadhaar Card, PAN Card, Driving License, Voter ID, or Passport

  • Proof of address, like Aadhaar card, or Passport

  • Latest passport-size photograph

How to Invest in AU Small Finance Bank FD on Bajaj Markets

Here’s how investors can book an FD online on Bajaj Markets:

  1. Provide your basic information like your name and date of birth

  2. Validate the one-time password (OTP) sent to your phone for verification

  3. Click ‘Proceed’ 

 

You'll be redirected to the bank's official website to complete your application.

Disclaimer

The customer understands and confirms that opening of the account and/or availing any services from YES Bank Limited (the “Bank”) shall be subject to the terms and conditions stipulated by the Bank. Bank shall not be liable or responsible for any offers or commitments made by any third party, including any affiliate partner, with respect to any services/products offered by the Bank. The Bank has not authorized any third party to collect any charges/commission/fee for the products/services offered by the Bank and shall not be liable for any such charges/commission/fee charged by such third parties for the same.

Frequently Asked Questions

What is the minimum investment amount for an AU Small Finance Bank FD?

The minimum investment amount for an AU Small Finance Bank FD is as low as ₹1,000, making it accessible to a wide range of investors.

What is the maximum tenor for AU Small Finance Bank FD?

AU Small Finance Bank offers flexible tenor options ranging from 7 days to up to 10 years, allowing investors to choose a duration that suits their financial goals.

Can I withdraw my AU Small Finance Bank FD prematurely?

Yes, AU Small Finance Bank allows premature withdrawal of FDs. However, specific terms and conditions may apply, and investors should be aware of any associated penalties or charges.

What are the interest rates for senior citizens on AU Small Finance Bank FD?

Senior citizens can enjoy additional interest rates on an AU Small Finance Bank FD. The interest rates vary depending on the tenor, with the highest rate being applicable for long-term deposits.

Are there different types of FDs offered by AU Small Finance Bank?

 Yes, AU Small Finance Bank provides various types of FDs, including regular and 5-year tax-saving FDs. Each type comes with unique features catering to different investor needs.

What payout options are available for AU Small Finance Bank FD?

AU Small Finance Bank offers multiple payout options, including monthly, quarterly, annual, and cumulative. Investors can choose the option that aligns with their financial preferences.

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