{"id":10678,"date":"2026-02-23T13:03:02","date_gmt":"2026-02-23T13:03:02","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10678"},"modified":"2026-02-23T13:03:02","modified_gmt":"2026-02-23T13:03:02","slug":"au-small-finance-bank-fixed-deposit-fd-interest-rates-2026-latest-rates-features","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/au-small-finance-bank-fixed-deposit-fd-interest-rates-2026-latest-rates-features\/","title":{"rendered":"AU Small Finance Bank Fixed Deposit (FD) Interest Rates 2026 \u2013 Latest Rates & Features"},"content":{"rendered":"\n

AU Small Finance Bank (AU SFB) is known for offering higher-than-average Fixed Deposit (FD)<\/strong> 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.<\/p>\n\n\n\n

Here\u2019s a detailed guide covering the latest AU Small Finance Bank FD rates, features, eligibility, and how to open an FD.<\/p>\n\n\n\n

AU Small Finance Bank FD Interest Rates 2026 \u2013 Quick Overview<\/h2>\n\n\n\n
Category<\/th>Interest Rate (Per Annum)<\/th><\/tr><\/thead>
Regular Customers<\/td>Typically 6.75% \u2013 9.00%<\/strong><\/td><\/tr>
Senior Citizens<\/td>Up to 0.50% \u2013 0.75% higher<\/strong><\/td><\/tr>
Tenure<\/td>7 days to 10 years<\/td><\/tr>
Minimum Deposit<\/td>\u20b91,000 \u2013 \u20b95,000 (scheme dependent)<\/td><\/tr>
Interest Payout<\/td>Monthly, Quarterly, Half-Yearly, Annually, or on Maturity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

FD rates may change periodically. Always confirm the latest rates via the AU Bank mobile app, net banking, or nearest branch before investing.<\/p>\n\n\n\n

AU Small Finance Bank FD Interest Rates 2026 (Indicative \u2013 Tenure Wise)<\/h1>\n\n\n\n
Tenure<\/th>Regular Rate<\/th>Senior Citizen Rate<\/th><\/tr><\/thead>
7 \u2013 30 days<\/td>6.75%<\/td>7.25%<\/td><\/tr>
31 \u2013 90 days<\/td>7.25%<\/td>7.75%<\/td><\/tr>
91 \u2013 180 days<\/td>7.75%<\/td>8.25%<\/td><\/tr>
6 \u2013 12 months<\/td>8.50%<\/td>9.00%<\/td><\/tr>
1 \u2013 2 years<\/td>8.75%<\/td>9.25%<\/td><\/tr>
2 \u2013 3 years<\/td>8.90%<\/td>9.40%<\/td><\/tr>
3 \u2013 5 years<\/td>9.00%<\/td>9.50%<\/td><\/tr>
5 \u2013 10 years<\/td>7.75%<\/td>8.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rates are indicative for 2026 and may vary depending on deposit amount and bank policy.<\/em><\/p>\n\n\n\n

Example \u2013 FD Maturity Calculation<\/h1>\n\n\n\n

If you invest \u20b91,00,000 for 3 years at 9.00% (cumulative option)<\/strong>:<\/p>\n\n\n\n

    \n
  • Estimated Interest Earned: \u20b929,000 \u2013 \u20b932,000<\/li>\n\n\n\n
  • Total Maturity Amount: Around \u20b91,29,000 \u2013 \u20b91,32,000<\/li>\n<\/ul>\n\n\n\n

    Actual returns depend on quarterly compounding.<\/p>\n\n\n\n

    You can calculate the exact maturity value using the FD calculator available in AU Small Finance Bank\u2019s online banking portal.<\/p>\n\n\n\n

    Key Features of AU Small Finance Bank FD<\/h1>\n\n\n\n

    Higher Interest Rates<\/h2>\n\n\n\n

    Small Finance Banks often offer better returns compared to large public sector banks.<\/p>\n\n\n\n

    Flexible Tenure Options<\/h2>\n\n\n\n

    Choose from 7 days up to 10 years.<\/p>\n\n\n\n

    Senior Citizen Additional Benefit<\/h2>\n\n\n\n

    Customers aged 60+ years generally receive an extra interest benefit.<\/p>\n\n\n\n

    Digital FD Opening (24×7)<\/h2>\n\n\n\n

    FD can be opened online via the AU Bank mobile app or net banking.<\/p>\n\n\n\n

    Loan Against FD<\/h2>\n\n\n\n

    Loan or overdraft facility available up to 75%\u201390% of the FD value (as per bank policy).<\/p>\n\n\n\n

    Premature Withdrawal Facility<\/h2>\n\n\n\n

    Allowed with penalty charges as per bank rules.<\/p>\n\n\n\n

    Types of FD Schemes Offered<\/h1>\n\n\n\n

    AU Small Finance Bank may offer:<\/p>\n\n\n\n

      \n
    • Regular Fixed Deposit<\/li>\n\n\n\n
    • Senior Citizen FD<\/li>\n\n\n\n
    • Tax Saving FD (5-year lock-in under Section 80C)<\/li>\n\n\n\n
    • Cumulative FD<\/li>\n\n\n\n
    • Non-Cumulative FD<\/li>\n\n\n\n
    • Special High-Interest Tenure FD Schemes (limited-time offers)<\/li>\n<\/ul>\n\n\n\n

      Scheme availability may vary in 2026.<\/p>\n\n\n\n

      Eligibility Criteria<\/h1>\n\n\n\n

      \u2714 Resident Indian individuals
      \u2714 Senior citizens
      \u2714 Joint account holders
      \u2714 HUF and institutions (subject to bank approval)<\/p>\n\n\n\n

      NRIs can check NRE\/NRO FD options separately.<\/p>\n\n\n\n

      Documents Required<\/h1>\n\n\n\n

      For existing customers with updated KYC:<\/p>\n\n\n\n

        \n
      • No additional documents are typically required.<\/li>\n<\/ul>\n\n\n\n

        For new customers:<\/p>\n\n\n\n

          \n
        • Aadhaar Card<\/li>\n\n\n\n
        • PAN Card (mandatory)<\/li>\n\n\n\n
        • Address Proof<\/li>\n\n\n\n
        • Passport-size photograph (if applying via branch)<\/li>\n<\/ul>\n\n\n\n

          How to Open an AU Small Finance Bank FD (Step-by-Step)<\/h1>\n\n\n\n

          Method 1: Online via Mobile App (24×7)<\/h2>\n\n\n\n
            \n
          1. Open the AU Bank Mobile App.<\/li>\n\n\n\n
          2. Go to Deposits \u2192 Open Fixed Deposit<\/strong>.<\/li>\n\n\n\n
          3. Enter the deposit amount and choose the tenure.<\/li>\n\n\n\n
          4. Select payout option.<\/li>\n\n\n\n
          5. Confirm nominee details.<\/li>\n\n\n\n
          6. Submit using OTP authentication.<\/li>\n<\/ol>\n\n\n\n

            FD confirmation will be generated instantly.<\/p>\n\n\n\n

            Method 2: Via Net Banking<\/h2>\n\n\n\n
              \n
            1. Log in to AU Small Finance Bank Net Banking.<\/li>\n\n\n\n
            2. Navigate tothe Fixed Deposits<\/strong> section.<\/li>\n\n\n\n
            3. Enter the required details and confirm.<\/li>\n<\/ol>\n\n\n\n

              Method 3: Visit the Branch<\/h2>\n\n\n\n
                \n
              1. Fill the FD application form.<\/li>\n\n\n\n
              2. Submit KYC documents.<\/li>\n\n\n\n
              3. Deposit funds.<\/li>\n\n\n\n
              4. Collect the FD receipt.<\/li>\n<\/ol>\n\n\n\n

                Branch timings may vary by location.<\/p>\n\n\n\n

                Taxation Rules (2026)<\/h1>\n\n\n\n
                  \n
                • Interest earned is taxable as per your income tax slab.<\/li>\n\n\n\n
                • TDS may apply if interest exceeds the prescribed limits.<\/li>\n\n\n\n
                • Tax-saving FDs qualify under Section 80C (up to \u20b91.5 lakh per financial year).<\/li>\n<\/ul>\n\n\n\n

                  Is AU Small Finance Bank FD Safe?<\/h1>\n\n\n\n

                  AU Small Finance Bank is regulated by the RBI.<\/p>\n\n\n\n

                  Deposits up to \u20b95 lakh per depositor<\/strong>, per bank,<\/strong>\u00a0are insured under DICGC<\/span>.<\/p>\n\n\n\n

                  For larger investments, consider diversifying across banks.<\/p>\n\n\n\n

                  Frequently Asked Questions (FAQs)<\/h1>\n\n\n
                  \n
                  \n
                  \n

                  1. What is the highest FD rate in AU Small Finance Bank in 2026?<\/h3>\n
                  \n\n

                  A. Typically around 9.00% for regular customers, and higher for senior citizens, depending on tenure.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  2. What is the minimum FD amount?<\/h3>\n
                  \n\n

                  A. Usually \u20b91,000 or \u20b95,00,0 depending on the scheme.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  3. Can I withdraw FD before maturity?<\/h3>\n
                  \n\n

                  A. Yes, premature withdrawal is allowed, but there is a penalty.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  4. Is online FD booking available?<\/h3>\n
                  \n\n

                  A. Yes, through mobile banking and net banking (24×7).<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  5. Is a loan against an FD available?<\/h3>\n
                  \n\n

                  A. Yes, subject to bank policy.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                  Conclusion<\/h1>\n\n\n\n

                  AU Small Finance Bank FD Interest Rates 2026<\/strong> 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 \u20b95 lakh, AU Bank FDs remain an attractive option for investors seeking better fixed-income returns.<\/p>\n\n\n\n

                  Before investing, always confirm the latest rates through official AU Small Finance Bank channels to ensure accurate details.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10678","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10678","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}