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AU Small Finance Bank Fixed Deposit Calculator

Calculate your FD returns with latest AU Bank rates

Highest FD Rate

7.7% p.a.

Best available rate by AU Bank across tenures

Rates Last Updated

Dec 2025

Rates updated regularly for accuracy

Official AU Bank Rates
Highest Rate: 7.7% for Senior Citizens
Best Rate: 7.2% for General Citizens
Min Investment: ₹1K only
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
TDS Limit: Interest up to ₹40,000 tax-free
Flexible Tenure: 7 days to 10 years
Auto-Renewal Available
Loan Against FD: Up to 90%
Online FD Booking Available
Small Finance Bank with competitive rates
Premium FD rates up to 7.50% for senior citizens
Digital banking with AU 0101 digital savings account
Video KYC for instant account opening
Wide network across India
Senior citizens get +0.50% additional interest
Highest Rate: 7.7% for Senior Citizens
Best Rate: 7.2% for General Citizens
Min Investment: ₹1K only
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
TDS Limit: Interest up to ₹40,000 tax-free
Flexible Tenure: 7 days to 10 years
Auto-Renewal Available
Loan Against FD: Up to 90%
Online FD Booking Available
Small Finance Bank with competitive rates
Premium FD rates up to 7.50% for senior citizens
Digital banking with AU 0101 digital savings account
Video KYC for instant account opening
Wide network across India
Senior citizens get +0.50% additional interest
₹

One Lakh rupees

₹1,000₹20,00,000

Minimum amount varies by bank (typically ₹1,000)

years
1 year10 years
FD Maturity Summary

Best Fixed Deposit Rates Comparison 2025

Compare FD interest rates across top banks - General rates for 5 years

1
IDFC First Bank FD rates

IDFC First

5 years FD

7.00%

p.a.

Maturity

₹1.41L

Interest

₹41.5K

2
AU Small Finance Bank FD rates

AU Bank

5 years FD

6.71%

p.a.

Maturity

₹1.39L

Interest

₹39.5K

3
IndusInd Bank FD rates

IndusInd

5 years FD

6.65%

p.a.

Maturity

₹1.39L

Interest

₹39.1K

4
ICICI Bank FD rates

ICICI

5 years FD

6.60%

p.a.

Maturity

₹1.39L

Interest

₹38.7K

5
Axis Bank FD rates

Axis

5 years FD

6.60%

p.a.

Maturity

₹1.39L

Interest

₹38.7K

6
Bank of Maharashtra FD rates

Bank of Maharashtra

5 years FD

6.50%

p.a.

Maturity

₹1.38L

Interest

₹38.0K

7
HDFC Bank FD rates

HDFC

5 years FD

6.40%

p.a.

Maturity

₹1.37L

Interest

₹37.4K

8
Kotak Mahindra Bank FD rates

Kotak

5 years FD

6.40%

p.a.

Maturity

₹1.37L

Interest

₹37.4K

9
Bank of Baroda FD rates

BOB

5 years FD

6.40%

p.a.

Maturity

₹1.37L

Interest

₹37.4K

10
Bank of India FD rates

BOI

5 years FD

6.40%

p.a.

Maturity

₹1.37L

Interest

₹37.4K

11
State Bank of India FD rates

SBI

5 years FD

6.30%

p.a.

Maturity

₹1.37L

Interest

₹36.7K

12
Punjab National Bank FD rates

PNB

5 years FD

6.25%

p.a.

Maturity

₹1.36L

Interest

₹36.4K

13
Canara Bank FD rates

Canara Bank

5 years FD

6.25%

p.a.

Maturity

₹1.36L

Interest

₹36.4K

14
Indian Overseas Bank FD rates

IOB

5 years FD

6.20%

p.a.

Maturity

₹1.36L

Interest

₹36.0K

15
Indian Bank FD rates

Indian Bank

5 years FD

6.00%

p.a.

Maturity

₹1.35L

Interest

₹34.7K

16
Union Bank of India FD rates

Union Bank

5 years FD

5.90%

p.a.

Maturity

₹1.34L

Interest

₹34.0K

Highest Rate

7.00%

IDFC First

Max Interest

₹41.5K

Best Return

Rate Spread

1.10%

Difference

Banks Available

16

Compared

AU Bank Fixed Deposit Calculator Results

Compare different investment amounts and tenures

AU Bank Fixed Deposit Interest Rates

Latest interest rates for different tenures

Current FD Rates
TenureGeneral RateSenior Citizen Rate
7 Days to 1 Month 15 Days
4%
4.5%
1 Month 16 Days to 3 Months
5.25%
5.75%
3 Months 1 Day to 6 Months
5.75%
6.25%
6 Months 1 Day to 12 Months
6.85%
7.35%
12 Months 1 Day to 15 Months
6.86%
7.36%
15 Months 1 Day to 18 Months
6.86%
7.36%
18 Months 1 Day to 24 Months
6.86%
7.36%
24 Months 1 Day to 36 Months
7.06%
7.56%
36 Months 1 Day to 45 Months
6.96%
7.46%
45 Months 1 Day to less than 60 Months
6.71%
7.21%
60 Months to 120 Months
6.71%
7.21%
12 Months 1 Day - 15 Months
7%
7.5%
15 Months 1 Day - 18 Months
7%
7.5%
18 Months 1 Day - 24 Months
7%
7.5%
24 Months 1 Day - 36 Months
7.2%
7.7%
3 Month 1 Day to 6 Months
5.23%
5.73%
6 Months 1 Day to 12 Months
6.32%
6.82%

Important Notes

  • Min deposit: ₹1,000
  • Penalty: 1% on premature closure
  • TDS applicable if annual interest exceeds ₹40,000
  • Auto-renewal facility available

Key Benefits

  • Guaranteed returns with low risk
  • Better rates than savings accounts
  • Loan against FD facility
  • DICGC insurance up to ₹5,00,000

Tax & TDS on AU Bank Fixed Deposits

Understanding tax implications and deductions on your FD investments

Tax Deductions Available

Section 80C

Tax-saving FDs (5-year lock-in) qualify for deduction up to ₹1.5 lakh under Section 80C

Senior Citizens

Higher TDS exemption limit of ₹50,000 for citizens above 60 years

• Regular FDs don't qualify for Section 80C deduction

• Interest income is fully taxable as per income tax slab

• Form 15G/15H can be submitted to avoid TDS

TDS (Tax Deducted at Source)

TDS Rate

10%

Exemption Limit

₹40,000

TDS Calculation

TDS is deducted at 10% if total interest from all FDs with AU Bank exceeds ₹40,000 in a financial year

TDS is deducted at source by the bank

Form 26AS shows TDS deducted

Can be claimed as advance tax while filing ITR

No PAN: higher 20% TDS applies

Quick Tax Impact Calculator

₹5 Lakh FD

At 7.2% for 3 years

₹36,000

Annual Interest

TDS: ₹0

₹10 Lakh FD

At 7.2% for 3 years

₹72,000

Annual Interest

TDS: ₹3,200

₹25 Lakh FD

At 7.2% for 3 years

₹180,000

Annual Interest

TDS: ₹14,000

AU Bank Fixed Deposit FAQs

Everything you need to know about AU Bank Fixed Deposits, interest rates, and FD investment planning

What is the minimum amount required for AU Bank FD?

The minimum amount required to open a AU Small Finance Bank Fixed Deposit is ₹1,000.

What is the current highest FD rate offered by AU Bank?

AU Small Finance Bank currently offers up to 7.7% for senior citizens and 7.2% for general citizens on Fixed Deposits.

Is the interest earned on AU Bank FD taxable?

Yes, interest earned on AU Small Finance Bank FD is taxable as per your income tax slab. TDS applicable if interest exceeds ₹40,000 per annum (₹50,000 for senior citizens)

Can I get a loan against my AU Bank FD?

Yes, AU Small Finance Bank offers loans against FD up to 90-95% of the FD value at competitive interest rates.

Compare FD Rates Across Banks

Calculate Fixed Deposit returns with different banks and find the best rates

Compare All Banks

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