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India Post - Post Office vs AU Small Finance Bank Recurring Deposit Comparison 2026

Compare Recurring Deposit interest rates, maturity amounts, and features between India Post - Post Office (Public Sector) and AU Small Finance Bank (Private Sector). Analyze the security of public sector banking versus the convenience of private sector services.

India Post - Post Office Logo

Post Office

Public Sector
VS
AU Small Finance Bank Logo

AU Bank

Private Sector
Post Office: Min ₹10
AU Bank: Min ₹500
Security vs Convenience
DICGC Insured up to ₹5 Lakhs
Compare Your RD Returns

Adjust the parameters below to see how returns compare between the two banks

₹

Five Thousand rupees

₹500₹50,000
years
1 year10 years

Interest Rate Comparison

Interest Rates by Tenure

General rates across different tenures

Current selection: 3 years (1095 days) -Post Office: % |AU Bank: %

Side-by-Side Rate Comparison

Direct comparison of general rates

Post Office
AU Bank
Highlighted = Your selected tenure

Feature Comparison

Features
Post Office
Post Office
Public Sector
AU Bank
AU Bank
Private Sector
Minimum RD Amount
₹10
₹500
Current Interest Rate(Selected Tenure)
%
%
Premature Withdrawal Penalty
1%
1%
Official Rate Source
View Official RatesView Official Rates
India Post - Post Office
Public Sector Bank

Key Advantages:

Government backed savings schemes
Nationwide post office network
Quarterly compounding on TD and RD
5-year TD qualifies for Section 80C benefits (₹1.5 lakh)
No additional interest for senior citizens
Loan facility up to 50% after 12 months on RD
Minimum deposit: ₹10/month for RD, ₹1,000 for TD
RD tenure can be extended up to 10 years
Safe and secure government scheme
Available at all India Post offices
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: Recurring 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 includes both principal and accrued interest for RDs.

⚠️ Recommendation:

Keep your total deposits (RDs + FDs + Savings) under ₹5 lakhs per bank. If you need larger investments, distribute them across multiple banks.

Smart Distribution Strategy

Multiple RDs: Open RDs in both Post Office and AU Bank

Family Accounts: Use different family members' accounts for additional coverage

Best of Both: Combine Post Office (security) with AU Bank (convenience)

💡 Pro Tip:

RDs are perfect for goal-based investing. You can open separate RDs for different financial goals across different banks to maximize returns and safety.

Key Insights & Recommendations

Choose Post Office If:
  • • Minimum amount: ₹10
  • • Public Sector banking preference
  • • Government backed savings schemes
  • • Nationwide post office network
  • • Quarterly compounding on TD and RD
Choose AU Bank If:
  • • Minimum amount: ₹500
  • • 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:
  • • Open multiple RDs for different goals
  • • Keep ≤₹5L per bank for insurance
  • • Use Post Office for stability
  • • Use AU Bank for convenience
  • • Review rates periodically

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AU Bank
VS
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AU Bank vs SBI
AU Bank
VS
HDFC
AU Bank vs HDFC
AU Bank
VS
ICICI
AU Bank vs ICICI
AU Bank
VS
Axis
AU Bank vs Axis
AU Bank
VS
Kotak
AU Bank vs Kotak
AU Bank
VS
PNB
AU Bank vs PNB
AU Bank
VS
BOB
AU Bank vs BOB
AU Bank
VS
IOB
AU Bank vs IOB
AU Bank
VS
IndusInd
AU Bank vs IndusInd
AU Bank
VS
Union Bank
AU Bank vs Union Bank
AU Bank
VS
Canara Bank
AU Bank vs Canara Bank
AU Bank
VS
BOI
AU Bank vs BOI
AU Bank
VS
Indian Bank
AU Bank vs Indian Bank
AU Bank
VS
Bank of Maharashtra
AU Bank vs Bank of Maharashtra
AU Bank
VS
IDFC First
AU Bank vs IDFC First
AU Bank
VS
Ujjivan SFB
AU Bank vs Ujjivan SFB
AU Bank
VS
Equitas SFB
AU Bank vs Equitas SFB
AU Bank
VS
ESAF SFB
AU Bank vs ESAF SFB
AU Bank
VS
Jana SFB
AU Bank vs Jana SFB
AU Bank
VS
Suryoday SFB
AU Bank vs Suryoday SFB
AU Bank
VS
Utkarsh SFB
AU Bank vs Utkarsh SFB
AU Bank
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TMB
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AU Bank
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Bandhan
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AU Bank
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AU Bank vs Yes Bank
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Unity SFB
AU Bank vs Unity SFB
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VS
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AU Bank vs Slice Bank
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Post Office
AU Bank vs Post Office

Ready to Invest in Recurring Deposits?

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