8.35% Return on 15-Month FD: AU Small Finance Bank Revises Interest Rates

AU Small Finance Bank has revised its FD interest rates, now offering up to 8.35% returns on a 15-month FD for senior citizens. General citizens can earn up to 8% on an 18-month FD. Learn more about the latest FD rates, how to invest, and maximize returns in this detailed guide.

By Praveen Singh
Published on
8.35% Return on 15-Month FD: AU Small Finance Bank Revises Interest Rates
AU Small Finance Bank Revises Interest Rates

Fixed Deposits (FDs) remain one of the safest investment options in India, offering guaranteed returns with minimal risk. AU Small Finance Bank has recently revised its FD interest rates, with a maximum return of 8.35% on a 15-month tenure for senior citizens. These new rates have been effective since March 10, 2025.

This article provides a detailed breakdown of the revised FD rates, how they compare with previous ones, and practical insights on maximizing your FD investments.

AU Small Finance Bank Revises Interest Rates

FeatureDetails
BankAU Small Finance Bank
Effective DateMarch 10, 2025
Maximum Interest Rate8.50% for senior citizens (18-month FD)
15-Month FD Rate7.85% (general), 8.35% (senior citizens)
Minimum Deposit₹1,000
Maximum Deposit₹3 Crore
Official WebsiteAU Small Finance Bank

AU Small Finance Bank’s revised FD interest rates, especially the 8.35% return on a 15-month FD, make it a lucrative investment option. Senior citizens, in particular, benefit significantly, with returns reaching 8.50% on an 18-month FD. With competitive rates, flexible tenure options, and secure investment opportunities, AU Small Finance Bank remains a top choice for depositors in India.

AU Small Finance Bank’s New FD Interest Rates

AU Small Finance Bank has made strategic adjustments to its Fixed Deposit rates to stay competitive and offer better returns to depositors. The following table highlights the revised interest rates:

Revised Interest Rates for General & Senior Citizens

TenureGeneral Citizens (%)Senior Citizens (%)
7 Days – 1 Month 15 Days3.75%4.25%
1 Month 16 Days – 3 Months5.50%6.00%
3 Months 1 Day – 6 Months6.00%6.50%
6 Months 1 Day – 12 Months7.25%7.75%
12 Months 1 Day – 15 Months7.85%8.35%
15 Months 1 Day – 18 Months7.50%8.00%
18 Months FD (Highest Rate)8.00%8.50%
18 Months 1 Day – 24 Months7.75%8.25%
24 Months 1 Day – 36 Months7.50%8.00%
36 Months 1 Day – 45 Months7.50%8.00%
45 Months 1 Day – 60 Months7.25%7.75%
60 Months – 120 Months7.25%7.75%

Key Takeaways from the Rate Changes

  1. Senior Citizens Benefit the Most: The highest return is 8.50% for senior citizens on an 18-month FD.
  2. 15-Month FD is Highly Lucrative: Offering 8.35% for senior citizens, this tenure balances short-term liquidity and high returns.
  3. General Citizens Get Competitive Rates: The highest return for general depositors is 8% on an 18-month FD.

see also: Is Your Money Safe in IndusInd Bank Fixed Deposits? What You Need to Know

Why Consider an AU Small Finance Bank FD?

1. High-Interest Rates

With up to 8.50% returns, AU Small Finance Bank offers one of the best FD rates in the market.

2. Stability & Security

Being a Scheduled Commercial Bank, AU Small Finance Bank is regulated by the RBI, ensuring your deposits are safe and secure.

3. Flexible Tenure Options

You can choose from short-term (7 days) to long-term (10 years), depending on your financial goals.

4. Online & Offline Application Process

You can open an FD through net banking, mobile banking, or by visiting a branch.

How to Open an AU Small Finance Bank FD?

Step-by-Step Guide

Step 1: Choose Your FD Type

यह भी देखें LIC Jeevan Anand Policy: प्रतिमाह 1358 रुपये जमा करने पर मिलेंगे 25 लाख रूपये इतने साल बाद

LIC Jeevan Anand Policy: प्रतिमाह 1358 रुपये जमा करने पर मिलेंगे 25 लाख रूपये इतने साल बाद

  • Regular FD
  • Senior Citizen FD
  • Tax-Saving FD

Step 2: Select Tenure & Amount

  • Minimum deposit: ₹1,000
  • Maximum deposit: ₹3 Crore

Step 3: Apply Online or Offline

  • Online: Visit AU Small Finance Bank and apply via Net Banking.
  • Offline: Visit the nearest AU Small Finance Bank branch.

Step 4: Complete KYC Requirements

  • Aadhaar Card
  • PAN Card
  • Address Proof

Step 5: Deposit Funds & Receive FD Receipt

  • Transfer money via UPI, Net Banking, or Cheque.
  • Get a confirmation receipt & monitor FD online.

see also: SBI’s Superhit FD Scheme of 400 Days

AU Small Finance Bank Revises Interest Rates FAQs

1. Who can open an AU Small Finance Bank FD?

Individuals, senior citizens, NRIs, and businesses can open an FD.

2. What is the penalty for premature withdrawal?

A penalty of 0.50% to 1.00% may apply, depending on the FD tenure and withdrawal period.

3. Can I take a loan against my FD?

Yes, loans up to 90% of the FD amount are available.

4. Is TDS applicable on FD interest?

Yes, TDS is deducted if interest exceeds ₹40,000 (₹50,000 for seniors).

5. How safe is AU Small Finance Bank?

AU Small Finance Bank is RBI-regulated and offers Deposit Insurance (DICGC) up to ₹5 lakh.

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