Bank FD Comparison Tool
Catholic Syrian Bank vs AU Small Finance Bank Fixed Deposit Comparison 2025
Compare Fixed Deposit interest rates, maturity amounts, and features between Catholic Syrian Bank (Private Sector) and AU Small Finance Bank (Private Sector).
CSB Bank
Private Sector
VS
AU Bank
Private Sector
CSB Bank: Min ₹1,000
AU 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) -CSB Bank: % |AU Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
CSB Bank
AU Bank
Highlighted = Your selected tenure
Feature Comparison
Features | CSB Bank Private Sector | AU 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 |
Catholic Syrian Bank
Private Sector Bank
Key Advantages:
Private sector bank established in 1920
Strong presence in Kerala and South India
Competitive interest rates with special 13-month scheme at 6.80%
Digital banking services
Online FD booking facility
Senior citizens get +0.50% additional interest
Note: Rates sourced from third-party aggregator due to website CAPTCHA protection - please verify from official source
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
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 CSB Bank (₹5L) + AU 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 CSB Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank established in 1920
- •Strong presence in Kerala and South India
- •Competitive interest rates with special 13-month scheme at 6.80%
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
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
Explore more FD comparisons
Looking for a different bank matchup? Use these quick links to jump to other FD comparisons.
Compare CSB Bank with other banks
Compare AU Bank with other banks
Ready to Invest in Fixed Deposits?
Use our individual bank calculators for detailed planning