AU Small Finance Bank Fixed Deposit Calculator Interest Rates, Eligibility & Key Benefits in 2025
.png)
When it comes to building a secure financial future, stability, and predictability are key. In 2025, AU Small Finance Bank Fixed Deposits (FDs) continue to be one of the most preferred investment tools for individuals seeking assured returns with minimal risk. Whether you are planning for short-term goals, emergency funds, or long-term wealth creation, AU Bank offers highly competitive FD interest rates with flexible options for all investor types.
With a user-friendly FD calculator, you can effortlessly plan your investment and understand the exact maturity amount you’ll receive. This blog explores AU Bank's FD interest rates, how the FD calculator works, eligibility, and a deep dive into the benefits of investing in an FD. We’ll also compare FDs with another trending option – Guaranteed Return Plans – to help you make smarter decisions.
AU Small Finance Bank FD Interest Rates for 2025
AU Small Finance Bank offers attractive FD interest rates across different tenures. Below is the current interest rate structure (as of April 2025):
| Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
| 7 Days to 1 Month 15 Days | 3.75% | 4.25% |
| 3 Months 1 Day to 6 Months | 5.75% | 6.25% |
| 6 Months 1 Day to 12 Months | 7.00% | 7.50% |
| 36 Months 1 Day to 45 Months | 7.50% | 8.00% |
| 60 Months to 120 Months | 7.25% | 7.75% |
How to Use the AU Bank FD Calculator
The AU Small Finance Bank Fixed Deposit Calculator is a simple and reliable tool to estimate your maturity amount in seconds.
Here's how to use it:
- Visit the FD calculator page on AU Bank’s official site.
- Enter the amount you wish to invest (e.g., ₹1,00,000).
- Select your preferred tenure and interest payout option.
- Choose your customer type (Regular/Senior).
- Instantly view the total interest earned and maturity amount.
This tool helps you plan effectively, especially when comparing short-term goals or deciding between multiple saving options.
Eligibility to Open an AU Bank FD
AU Bank FDs are available to:
- Resident individuals
- Senior citizens
- Minors (via guardians)
- Hindu Undivided Families (HUFs)
- Sole proprietorships, partnerships, companies, trusts, and societies
The process is paperless, quick, and secure. You can start with a minimum deposit of just ₹1,000.
Key Benefits of AU Small Finance Bank Fixed Deposits
AU Bank FDs are loaded with investor-friendly features that offer financial security, convenience, and steady returns. Here's why they are one of the best options for risk-averse savers in 2025:
1. Guaranteed Returns
Your investment is not linked to market fluctuations. The rate at the time of booking is locked for the entire tenure, ensuring predictable income.
2. Attractive Interest Rates
Compared to many traditional banks, AU Small Finance Bank offers higher FD rates, especially for tenures between 1 to 3 years.
3. Senior Citizen Advantage
Senior citizens receive an extra 0.50% interest on all tenures, helping them boost retirement income.
4. Flexible Tenure Options
Choose from a wide range – from 7 days up to 10 years – allowing you to customize your savings plan according to your financial goals.
5. Easy Liquidity & Loan Facility
Need urgent funds? You can avail a loan or overdraft against your FD of up to 90% of the deposit amount, without breaking your FD prematurely.
6. Regular Income Option
Choose monthly or quarterly interest payouts if you want steady passive income. This is ideal for retirees or anyone needing periodic earnings.
7. Digital Access & Automation
Book, renew, or manage your FD account entirely online. You can also set auto-renewal for seamless investment cycles.
8. Safe & Regulated
AU Small Finance Bank is RBI-regulated, and all deposits are insured under DICGC up to ₹5 lakh, ensuring added peace of mind.
Fixed Deposite vs. Guaranteed Return Plan: What Should You Choose?
While both Fixed Deposits and Guaranteed Return Plans (GRPs) offer assured returns, they serve slightly different purposes. Here’s a comparison to help you decide:
| Feature | AU Bank Fixed Deposit | Guaranteed Return Plan (GRP) |
| Return Type | Fixed, pre-decided | Fixed + Life insurance component |
| Tenure | 7 days – 10 years | Typically 5 – 20 years |
| Liquidity | High (premature withdrawal allowed) | Low (lock-in period applies) |
| Risk Level | Very Low | Low to Moderate |
| Insurance Benefit | No | Yes (Life Cover included) |
| Interest Rate | ~3.75% – 8.25% p.a. | ~6% – 7% IRR (post-lock-in) |
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
Latest Post
Your health insurance policy gives you a No Claim Bonus when you fulfil your policy term without needing to make a claim. Your premium payments will decrease step by step through this feature. The bonus system benefits everyone involved in the insurance process. It helps customers to practice better healthcare habits and brings savings on insurance expenses.
There is no question, in fact, that daughters bring a special kind of sparkle into our lives – along with an endless list of questions, a closet full of dresses, and some very specific birthday party themes. But beyond the laughter and everyday chaos, we need to understand that there is a real responsibility on our shoulders: making sure they grow to be healthy, strong, and ready to take on the world.
Marriage is built on shared dreams, countless compromises, and a commitment to protect each other through thick and thin. While love, trust, and communication form the emotional foundation of marriage, a little bit of financial planning doesn’t hurt either. This is exactly where spouse term insurance steps in — a simple yet powerful way to safeguard your future together.
When managing insurance policies, one term that often comes up is the “Grace Period.” It’s a window of opportunity provided after the premium due date, allowing policyholders to renew their insurance without losing accumulated benefits. However, this grace period does not work the same way across all types of insurance. Understanding how it differs between health, life, and car insurance is crucial for avoiding lapses and ensuring continuous protection.
In a world where flexibility and better service are increasingly expected, health insurance portability allows policyholders to move from one insurer to another without losing the benefits they’ve already earned. Introduced by the Insurance Regulatory and Development Authority of India (IRDAI), this provision empowers individuals to seek better coverage, improved customer service, or lower premiums without the fear of starting from scratch.
Speak to our Advisor
+91
