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
| Feature | Details |
|---|---|
| Bank | AU Small Finance Bank |
| Effective Date | March 10, 2025 |
| Maximum Interest Rate | 8.50% for senior citizens (18-month FD) |
| 15-Month FD Rate | 7.85% (general), 8.35% (senior citizens) |
| Minimum Deposit | ₹1,000 |
| Maximum Deposit | ₹3 Crore |
| Official Website | AU 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
| Tenure | General Citizens (%) | Senior Citizens (%) |
|---|---|---|
| 7 Days – 1 Month 15 Days | 3.75% | 4.25% |
| 1 Month 16 Days – 3 Months | 5.50% | 6.00% |
| 3 Months 1 Day – 6 Months | 6.00% | 6.50% |
| 6 Months 1 Day – 12 Months | 7.25% | 7.75% |
| 12 Months 1 Day – 15 Months | 7.85% | 8.35% |
| 15 Months 1 Day – 18 Months | 7.50% | 8.00% |
| 18 Months FD (Highest Rate) | 8.00% | 8.50% |
| 18 Months 1 Day – 24 Months | 7.75% | 8.25% |
| 24 Months 1 Day – 36 Months | 7.50% | 8.00% |
| 36 Months 1 Day – 45 Months | 7.50% | 8.00% |
| 45 Months 1 Day – 60 Months | 7.25% | 7.75% |
| 60 Months – 120 Months | 7.25% | 7.75% |
Key Takeaways from the Rate Changes
- Senior Citizens Benefit the Most: The highest return is 8.50% for senior citizens on an 18-month FD.
- 15-Month FD is Highly Lucrative: Offering 8.35% for senior citizens, this tenure balances short-term liquidity and high returns.
- 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
SBI, HDFC और PNB में FD कराने वालों के लिए बड़ा झटका! समय से पहले निकासी पर लगेगा भारी चार्ज
- 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.
