AU Small Finance Bank Fixed Deposit (FD) Rates 2025

AU Small Finance Bank Fixed Deposit (FD) Rates: Secure Your Financial Future

Fixed Deposits (FDs) are among the safest and most reliable investment options, helping you grow your savings while securing your financial future. By choosing an FD, you can achieve your financial goals with guaranteed returns over a fixed tenure, irrespective of market fluctuations.

When you invest in a Fixed Deposit, the interest is calculated on the principal amount for the chosen tenure. What’s reassuring is that the interest rate remains locked in, shielding your returns from market volatility.

Why Choose AU Small Finance Bank for Fixed Deposits?

AU Small Finance Bank offers highly competitive FD interest rates with flexible terms to suit your unique financial needs. Whether you're planning for short-term savings or long-term wealth creation, their FD schemes provide attractive returns, ensuring your money works for you.

Keep reading to explore the latest AU Small Finance Bank FD rates, features, and benefits, and discover how their FD schemes can help you achieve your financial goals with ease.

Highlights for 2025 Fixed Deposit Scheme of SBI Bank

AU Small Finance Bank FD Rates 2025

The following table showcases the AU Small Finance Bank FD rates for 2025:

The following table showcases the AU Small Finance Bank FD non-callable rates for 2025 and the amount range of Rs. 1 crore to Rs. 3 crore:

AU Small Finance Bank FD Rates for Senior Citizens

AU Bank offers its senior citizen customers with a certain benefit in interest rates. The following table showcases the AU Small Finance Bank FD rates for senior citizens:

AU Small Finance Bank FD Rates for NRI

The following table showcases the AU Small Finance Bank FD rates for Non-Resident Indians or NRI, for amounts less than Rs. 2 crore:

Types of AU Small Finance Fixed Deposit Schemes

Before you start your fixed deposit investment journey with AU Bank, it is important to be aware of the different types of FDs available for all. The types of Fixed Deposit schemes that AU Small Finance Bank offers are listed below.

AU Small Finance Bank Fixed Deposit Schemes: Features, Benefits, and Interest Rates

1. Regular Fixed Deposits
For investors with a low-risk appetite, AU Small Finance Bank Regular Fixed Deposits offer a secure way to grow your savings. With competitive interest rates and flexible payout options, these FDs are ideal for individuals, businesses, and organizations.

• Key Features:
  • Tenure: 7 to 120 months
  • Minimum deposit: ₹1,000
  • Automatic renewal option
  • Interest payout: Monthly or quarterly

This scheme is perfect for resident Indians, HUFs (Hindu Undivided Families), partnership firms, trust accounts, limited companies, and sole proprietorship firms.

2. 5-Year Tax-Saving Fixed Deposits
Combine tax benefits with guaranteed returns through AU Bank’s 5-Year Tax-Saving FDs. This scheme allows you to save on taxes while earning a higher interest rate.

• Key Highlights:
  • Lock-in period: 5 years
  • Tax exemption: Up to ₹1.5 lakhs under Section 80C of the Income Tax Act
  • Joint account option available (tax benefit applies to the principal account holder)

This option is ideal for individuals and HUFs seeking both financial growth and tax savings.

3. Sweep-In Facility
AU Bank’s Sweep-In Facility is a flexible option that links your FD account to your savings or current account, providing liquidity during financial emergencies.

• Benefits:
  • Avoid premature FD withdrawal
  • Interest rates range from 3.75% to 8.24%
  • Convenient for resident Indians

4. COVID Shield Deposits
In response to the financial uncertainties caused by the COVID-19 pandemic, AU Bank introduced the COVID Shield Deposits. This scheme offers enhanced financial security while maintaining attractive returns.

• Features:
  • Annualized interest rate: 7.69%
  • Open to all Indian citizens, including senior citizens
  • Automatic renewal converts the deposit into a regular FD upon maturity

5. Planet First AU Green Fixed Deposits
Contribute to a sustainable future with AU Bank’s Planet First Green Fixed Deposits. Your funds are utilized for eco-friendly initiatives, enabling you to earn while supporting the environment.

• Highlights:
  • Interest rate: Up to 8.50% p.a.
  • A step towards a greener legacy

You can choose a tenure ranging from 1 year to 10 years, committing to a sustainable future throughout the stipulated period.

Lowest and Highest FD Interest Rate in AU Bank

The lowest and highest AU Small Bank FD rates are given as follows:

• Lowest FD rates: 3.75% p.a. for general citizens and 4.25% p.a. for senior citizens. 
• Highest FD rates: 8.50% p.a. for general citizens and 8.77% p.a. for senior citizens.

AU Small Finance Bank FD Premature Withdrawal

Premature withdrawals are the withdrawal of your invested funds before they reach maturity. Even though you can opt for it, no interest will be paid on premature withdrawals of your deposits.

The minimum period for each type of Fixed Deposit is generally fixed at the time of creating the FD account. Besides, you will be charged 1% of your withdrawal amount as a penalty for premature withdrawal.

Tax on AU Small Finance Bank FD Interest Income

The AU Bank will charge a TDS or Tax Deducted at Source on your earned interest when you redeem your Fixed Deposits after it matures. However, given below are some of the essential points you must remember regarding the taxation on AU Small Finance Bank FD interest income:

• AU Small Finance Bank will charge TDS from your FD interest income if it is more than Rs. 40,000 for general citizens and Rs.50,000 for senior citizens. Apart from these limits, there are no TDS deductions at AU Bank.
• All residents of India shall receive a 10% TDS deduction on their interest income when they have successfully submitted their PAN details while starting their FD account.
• Customers will be charged a 20% TDS deduction on their maturity amount in case they do not submit their PAN details to the bank before their amount matures.
• According to section 80C of the Income Tax Act, you are eligible for a tax deduction of up to Rs.1.5 lakhs on your interest income with Tax saver FD. 

Overall, this article provides you with almost everything you must know about AU small finance bank FD rates before investing in different fixed deposit schemes. Also, make sure to calculate the maturity amount for you beforehand to ensure it aligns well with your financial requirements. Hence, with a long-term goal, start investing on fixed deposits only, ensuring you have sufficient capital to satisfy your regular expenses.

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