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 +0.37% above the small finance bank average of 6.73%, ranking #3 of 10 small finance banks.
Figures marked “approx.” are rounded public estimates as of 2024.
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.
Estimate returns at AU (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 Days to 1 Month 15 Days |
3.50% | 4.00% | Below ₹3 crore | |
1 Month 16 Days to 3 Months |
4.75% | 5.25% | Below ₹3 crore | |
3 Month 1 Day to 6 Months |
5.25% | 5.75% | Below ₹3 crore | |
6 Months 1 Day to 12 Months |
6.35% | 6.85% | Below ₹3 crore | |
12 Months 1 Day to 15 Months |
7.10% | 7.60% | Below ₹3 crore | |
15 Months 1 Day to 18 Months |
7.00% | 7.50% | Below ₹3 crore | |
18 months 1 days to 24 months |
7.00% | 7.50% | Below ₹3 crore | |
24 Months 1 Day to 30 Months |
7.10% | 7.60% | Below ₹3 crore | |
30 Months 1 Day to 36 Months |
7.40% | 7.90% | Below ₹3 crore | |
36 Months 1 Day to 45 Months |
7.00% | 7.50% | Below ₹3 crore | |
45 Months 1 Day to less than 60 Months |
6.75% | 7.25% | Below ₹3 crore | |
60 Months to 120 Months |
6.75% | 7.25% | Below ₹3 crore |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
15 Months 1 Day to 18 Months |
7.00% | 7.50% | Any amount | |
18 months 1 days to 24 months |
7.00% | 7.50% | Any amount | |
24 Months 1 Day to 30 Months |
7.10% | 7.60% | Any amount | |
30 Months 1 Day to 36 Months |
7.40% | 7.90% | Any amount | |
36 Months 1 Day to 45 Months |
7.00% | 7.50% | Any amount | |
45 Months 1 Day to less than 60 Months |
6.75% | 7.25% | Any amount | |
60 Months to 120 Months |
6.75% | 7.25% | Any amount |
Deposits with AU Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
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.
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