Private Sector
Private Sector
AU Small Finance Bank vs IDFC First Bank Fixed Deposit Comparison 2025
Compare interest rates, features, and returns between AU Small Finance Bank (Private Sector) and IDFC First Bank (Private Sector).
Five Lakhs rupees
Interest Rate Comparison
General rates across different tenures
Current selection: 3 years (1095 days) -AU Bank: % |IDFC First: %
Direct comparison of general rates
Feature Comparison
| Features |  AU Bank Private Sector |  IDFC First Private Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹10,000 |
Current Interest Rate (Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Key Advantages:
Key Advantages:
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between AU Bank (₹5L) + IDFC First (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
- • Minimum amount: ₹1,000
- • Private Sector banking preference
- • Small Finance Bank with competitive rates
- • Premium FD rates up to 7.50% for senior citizens
- • Digital banking with AU 0101 digital savings account
- • Minimum amount: ₹10,000
- • Private Sector banking preference
- • Private sector bank with digital-first approach
- • Competitive FD rates up to 7.5% for senior citizens
- • Premium rates on select tenures (450 days - 2 years)
- • Split large amounts across both banks
- • Keep ≤₹5L per bank for insurance
- • Compare rates before investing
- • Consider branch convenience
- • Review rates periodically
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