Bank FD Comparison Tool
Karur Vysya Bank vs AU Small Finance Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Karur Vysya Bank (Private Sector) and AU Small Finance Bank (Private Sector).
KVB Bank
Private Sector
VS
AU Bank
Private Sector
KVB 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) -KVB Bank: % |AU Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
KVB Bank
AU Bank
Highlighted = Your selected tenure
Feature Comparison
Features | KVB 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 |
Karur Vysya Bank
Private Sector Bank
Key Advantages:
Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Special tenures: 333 days (6.65%), 400 days (6.80%), Tax Shield, Green Deposits (2345 days)
Senior citizens get +0.50% additional interest (applied to card rates)
Tax Shield Deposits (5 years) at 6.55%
Green Deposits scheme (2345 days) at 6.25%
Rainbow Deposits (RBFD) available
Rates effective from 26.09.2025 for deposits below ₹3 Crores
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 KVB 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 KVB Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank
- •Competitive interest rates
- •Digital banking services
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
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