AU Small Finance Bank Fixed Deposit (FD) Interest Rates 2026 – Latest Rates & Features
AU Small Finance Bank (AU SFB) is known for offering higher-than-average Fixed Deposit (FD) interest rates in 2026, especially across select short- and medium-term tenures. With digital account opening, senior citizen benefits, and flexible payout options, AU Bank FDs are popular among investors seeking better returns.
Here’s a detailed guide covering the latest AU Small Finance Bank FD rates, features, eligibility, and how to open an FD.
AU Small Finance Bank FD Interest Rates 2026 – Quick Overview
| Category | Interest Rate (Per Annum) |
|---|---|
| Regular Customers | Typically 6.75% – 9.00% |
| Senior Citizens | Up to 0.50% – 0.75% higher |
| Tenure | 7 days to 10 years |
| Minimum Deposit | ₹1,000 – ₹5,000 (scheme dependent) |
| Interest Payout | Monthly, Quarterly, Half-Yearly, Annually, or on Maturity |
FD rates may change periodically. Always confirm the latest rates via the AU Bank mobile app, net banking, or nearest branch before investing.
AU Small Finance Bank FD Interest Rates 2026 (Indicative – Tenure Wise)
| Tenure | Regular Rate | Senior Citizen Rate |
|---|---|---|
| 7 – 30 days | 6.75% | 7.25% |
| 31 – 90 days | 7.25% | 7.75% |
| 91 – 180 days | 7.75% | 8.25% |
| 6 – 12 months | 8.50% | 9.00% |
| 1 – 2 years | 8.75% | 9.25% |
| 2 – 3 years | 8.90% | 9.40% |
| 3 – 5 years | 9.00% | 9.50% |
| 5 – 10 years | 7.75% | 8.25% |
Rates are indicative for 2026 and may vary depending on deposit amount and bank policy.
Example – FD Maturity Calculation
If you invest ₹1,00,000 for 3 years at 9.00% (cumulative option):
- Estimated Interest Earned: ₹29,000 – ₹32,000
- Total Maturity Amount: Around ₹1,29,000 – ₹1,32,000
Actual returns depend on quarterly compounding.
You can calculate the exact maturity value using the FD calculator available in AU Small Finance Bank’s online banking portal.
Key Features of AU Small Finance Bank FD
Higher Interest Rates
Small Finance Banks often offer better returns compared to large public sector banks.
Flexible Tenure Options
Choose from 7 days up to 10 years.
Senior Citizen Additional Benefit
Customers aged 60+ years generally receive an extra interest benefit.
Digital FD Opening (24×7)
FD can be opened online via the AU Bank mobile app or net banking.
Loan Against FD
Loan or overdraft facility available up to 75%–90% of the FD value (as per bank policy).
Premature Withdrawal Facility
Allowed with penalty charges as per bank rules.
Types of FD Schemes Offered
AU Small Finance Bank may offer:
- Regular Fixed Deposit
- Senior Citizen FD
- Tax Saving FD (5-year lock-in under Section 80C)
- Cumulative FD
- Non-Cumulative FD
- Special High-Interest Tenure FD Schemes (limited-time offers)
Scheme availability may vary in 2026.
Eligibility Criteria
✔ Resident Indian individuals
✔ Senior citizens
✔ Joint account holders
✔ HUF and institutions (subject to bank approval)
NRIs can check NRE/NRO FD options separately.
Documents Required
For existing customers with updated KYC:
- No additional documents are typically required.
For new customers:
- Aadhaar Card
- PAN Card (mandatory)
- Address Proof
- Passport-size photograph (if applying via branch)
How to Open an AU Small Finance Bank FD (Step-by-Step)
Method 1: Online via Mobile App (24×7)
- Open the AU Bank Mobile App.
- Go to Deposits → Open Fixed Deposit.
- Enter the deposit amount and choose the tenure.
- Select payout option.
- Confirm nominee details.
- Submit using OTP authentication.
FD confirmation will be generated instantly.
Method 2: Via Net Banking
- Log in to AU Small Finance Bank Net Banking.
- Navigate tothe Fixed Deposits section.
- Enter the required details and confirm.
Method 3: Visit the Branch
- Fill the FD application form.
- Submit KYC documents.
- Deposit funds.
- Collect the FD receipt.
Branch timings may vary by location.
Taxation Rules (2026)
- Interest earned is taxable as per your income tax slab.
- TDS may apply if interest exceeds the prescribed limits.
- Tax-saving FDs qualify under Section 80C (up to ₹1.5 lakh per financial year).
Is AU Small Finance Bank FD Safe?
AU Small Finance Bank is regulated by the RBI.
Deposits up to ₹5 lakh per depositor, per bank, are insured under DICGC.
For larger investments, consider diversifying across banks.
Frequently Asked Questions (FAQs)
1. What is the highest FD rate in AU Small Finance Bank in 2026?
A. Typically around 9.00% for regular customers, and higher for senior citizens, depending on tenure.
2. What is the minimum FD amount?
A. Usually ₹1,000 or ₹5,00,0 depending on the scheme.
3. Can I withdraw FD before maturity?
A. Yes, premature withdrawal is allowed, but there is a penalty.
4. Is online FD booking available?
A. Yes, through mobile banking and net banking (24×7).
5. Is a loan against an FD available?
A. Yes, subject to bank policy.
Conclusion
AU Small Finance Bank FD Interest Rates 2026 offer some of the highest returns among scheduled banks, especially for medium-term deposits. With flexible tenure options, digital booking facilities, and DICGC insurance coverage up to ₹5 lakh, AU Bank FDs remain an attractive option for investors seeking better fixed-income returns.
Before investing, always confirm the latest rates through official AU Small Finance Bank channels to ensure accurate details.
