Bank FD Comparison Tool
AU Small Finance Bank vs RBL Bank Fixed Deposit Comparison 2025
Compare Fixed Deposit interest rates, maturity amounts, and features between AU Small Finance Bank (Private Sector) and RBL Bank (Private Sector).
AU Bank
Private Sector
VS
RBL Bank
Private Sector
AU Bank: Min ₹1,000
RBL Bank: Min ₹1,000
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹1,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -AU Bank: % |RBL Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
AU Bank
RBL Bank
Highlighted = Your selected tenure
Feature Comparison
Features | AU Bank Private Sector | RBL Bank Private Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
AU Small Finance Bank
Private Sector Bank
Key Advantages:
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
RBL Bank
Private Sector Bank
Key Advantages:
Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Senior citizens get competitive rates
Multiple deposit schemes: Regular FD, Tax Saver FD, Senior Citizen FD
Wide branch network across India
Important: Fixed Deposit Safety & Insurance Coverage
₹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) + RBL Bank (₹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
Choose AU Bank If:
- •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
Choose RBL Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank
- •Competitive interest rates
- •Digital banking services
Best Strategy:
- •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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