Rates verified from official source

AU Small Finance Bank interest rates · November 2026

Top FD rate
7.40%
30 Months 1 Day to 36 Months
Senior citizen FD
7.90%
30 Months 1 Day to 36 Months
Top RD rate
7.40%
30 Months 1 Day to 36 Months

AU FD rates

1 year7.10%Senior 7.60%3 years7.00%Senior 7.50%5 years6.75%Senior 7.25%
All tenures, calculator and comparison →

What will my FD earn at AU?

Estimated value after 1 year · before tax ₹5,36,456 7.10% p.a. · ₹36,456 interest · quarterly compounding
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Plan your recurring deposit at AU

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Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

AU Small Finance Bank (AU) is a small finance bank, headquartered in Jaipur, established in 2017. Its headline 1-year FD rate of 7.10% is 0.23% above the small finance bank average of 6.87%, ranking #276 of 1033 banks on RateScan.in.

Headquarters
Jaipur
Established
2017
Branches
~2,400 approx.
Monitored since
21 Sept 2026
Ownership
Private (small finance bank)
Operates in
Andhra Pradesh, Assam, Bihar, Chhattisgarh + 21 more states

Figures marked “approx.” are rounded public estimates as of 2024.

Financial health
CRAR
20.58%
Capital adequacy
Net NPA
0.74%
Bad loans (net)
Credit rating CRISIL
AA+
Rating details ↓

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 1 Sept 2026, verified from official source. Scheduled small finance bank (RBI-licensed): deposits insured by DICGC up to ₹5,00,000.

RBI record

No RBI press release since 1 Jan 2024 names AU Small Finance Bank. We read RBI's press releases every week; last checked on 11 Nov 2026.

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

1,917 branches in 392 districts

Most branches: Jaipur 68, Delhi 57, Mumbai 36

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

AU Fixed Deposit rate changes

Changes to AU's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 21 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

No change to AU's fixed deposit (FD) rates has been recorded since tracking started on 21 Sept 2026.

Compare AU with other banks

See AU FD rates side by side against India's top banks.

AU vs SBIAU vs PNBAU vs BoBAU vs CanaraAU vs UnionAU vs BOIAU vs HDFCAU vs ICICIAU vs AxisAU vs KotakAU vs IndusIndAU vs YesAU vs IDFC FirstAU vs FederalAU vs BandhanAU vs RBLAU vs EquitasAU vs Ujjivan

Credit rating

What independent credit rating agencies say about AU Small Finance Bank. Every rating links to the document it comes from, so you can check it yourself.

AA+
Headline rating
Fixed deposits · CRISIL · Stable
High safety: very low credit risk
Latest rating action: 2 Apr 2026
AgencyInstrument RatingOutlook PublishedSource
CRISIL Fixed deposits ₹40,000 cr AA+ Stable Reaffirmed
2 Apr 2026
 Agency rationale
ICRA Basel III Tier II bonds
Outlook revised to Positive from Stable
 AA Positive Outlook revised
1 Oct 2026
 Exchange filing
CRISIL Basel III Tier II bonds ₹500 cr AA Stable Reaffirmed
2 Apr 2026
 Agency rationale
ICRA Infrastructure / long-term bonds ₹100 cr AA Positive Assigned
1 Oct 2026
 Exchange filing
CRISIL Certificates of deposit (short-term) ₹1,100 cr A1+ – Reaffirmed
2 Apr 2026
 Agency rationale

Note: Earlier versions of this page showed AA+ (CRISIL). That is CRISIL's rating on the bank's fixed deposits; its bonds are AA from both CRISIL and ICRA.

How to read these ratings
  • Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
  • Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
  • Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
  • Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
  • A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

  • Deposits with AU Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
  • AU is a small finance bank licensed and regulated by the RBI.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at AU, depending on the tenure.
official Effective 1 Sept 2026 · Ingested 21 Sept 2026 · Verified 13 Nov 2026 · View source

Informational only. Always confirm the current rate on the official AU website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.