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AU Small Finance Bank Fixed Deposit

AU Small Finance Bank · Bank Savings & Fixed Deposits

A fixed-term deposit with AU Small Finance Bank. The rate depends on the tenure and the deposit amount, so it is not a single number.

Rate varies by tenure and amount Not published as a number here — it varies by provider, tenure or plan.

The bank's own fixed deposit page. Match the tenure and deposit amount to the rate card.

Check the official page

Source AU Small Finance Bank — fixed deposits

www.aubank.in/fixed-deposit

The bank's own fixed deposit page. Match the tenure and deposit amount to the rate card.

How it works

AU Small Finance Bank Fixed Deposit is a bank deposits product from AU Small Finance Bank, in the guaranteed category: fixed by contract. A fixed-term deposit with AU Small Finance Bank. The rate depends on the tenure and the deposit amount, so it is not a single number.

Because the return type is guaranteed, the questions that matter most are: Is the rate fixed for the whole tenure, or revised during it? Who is actually promising to pay, and what happens if they don't?

  • Money needed at a known date
  • The stable part of a savings plan

Key facts

Provider
AU Small Finance Bank
Source
AU Small Finance Bank — fixed deposits ↗ https://www.aubank.in/fixed-deposit
Rate
Rate varies by tenure and amount ↗
Category
Bank Savings & Fixed Deposits
Minimum investment
₹1,000 typical minimum; varies by tenure and channel
Tenure
7 days to 10 years
Payout
At maturity, or periodic on selected tenures
Eligibility
Resident individuals, singly or jointly. Senior citizens usually get an additional rate.
Getting your money back
Premature withdrawal is allowed with a penalty on the applicable rate.
Protection
Insured by the DICGC up to the statutory limit per depositor per bank.
Tax
Interest is taxable as income from other sources, and tax may be deducted at source above the threshold. Form 15G or 15H can be filed if you qualify.

What can go wrong

  • The rate is locked for the term, so you lose out if rates rise.
  • Breaking the deposit early reduces the rate you actually earned.
  • Interest is taxed as it accrues, which lowers the effective return.

Before you decide anything

  • The rate for your exact tenure and deposit amount
  • The penalty for premature withdrawal

These are questions to take to the provider, not a checklist that makes a product suitable. Whether something fits your situation is a decision only you — or an adviser you choose — can make.

Official sources

These link to the regulator or provider where the rules for this type of product are set out. They are the pages worth checking before you act, because they are the ones that get updated.

Other products in this category

The same rules and the same kind of trade-offs, described the same way.