AU Small Finance Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card from 1 September 2026. Deposits below ₹3 crore.
AU Small Finance Bank pays its best rate among these terms on 3 years: 7.40%, or 7.90% for senior citizens. That ranks 3rd of 33 banks we track for 3 years. On a 2-year deposit it pays more than SBI (6.40%).
AU SFB FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 6 months 1 day to 12 months | 6.35% | 6.85% | ₹5,32,514 | 17th of 33 |
| 2 years Slab: 18 months 1 day to 24 months | 7.00% | 7.50% | ₹5,74,441 | 10th of 33 |
| 3 years Slab: 30 months 1 day to 36 months | 7.40% | 7.90% | ₹6,23,021 | 3rd of 33 |
| 5 years Slab: 60 months to 120 months | 6.75% | 7.25% | ₹6,98,749 | 7th of 33 |
Interest compounds every quarter and is paid at maturity, before tax. Source: AU Small Finance Bank deposit rates. Each rate is the slab that contains that exact term.
How AU SFB compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 0.90 percentage points more. On ₹5 lakh that is ₹4,733 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 0.75 percentage points more. On ₹5 lakh that is ₹8,523 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 0.60 percentage points more. On ₹5 lakh that is ₹11,100 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.02 percentage points more. On ₹5 lakh that is ₹35,892 extra.
Similar banks: Equitas Small Finance Bank (7.00% for 2 years), Jana Small Finance Bank (7.30% for 2 years), Ujjivan Small Finance Bank (7.45% for 2 years), Utkarsh Small Finance Bank (7.50% for 2 years).
Amounts at AU SFB
- ₹1 lakh for 3 years at 7.40% becomes ₹1,24,604.
- ₹10 lakh for 3 years at 7.40% becomes ₹12,46,041.
Questions people ask
What is the AU SFB FD rate for 1 year?
AU Small Finance Bank pays 6.35% a year on a 1-year deposit below ₹3 crore (6.85% for senior citizens). ₹5 lakh grows to ₹5,32,514. The slab is "6 months 1 day to 12 months".
What is the AU SFB FD rate for 2 years?
AU Small Finance Bank pays 7.00% a year on a 2-year deposit below ₹3 crore (7.50% for senior citizens). ₹5 lakh grows to ₹5,74,441. The slab is "18 months 1 day to 24 months".
What is the AU SFB FD rate for 3 years?
AU Small Finance Bank pays 7.40% a year on a 3-year deposit below ₹3 crore (7.90% for senior citizens). ₹5 lakh grows to ₹6,23,021. The slab is "30 months 1 day to 36 months".
What is the AU SFB FD rate for 5 years?
AU Small Finance Bank pays 6.75% a year on a 5-year deposit below ₹3 crore (7.25% for senior citizens). ₹5 lakh grows to ₹6,98,749. The slab is "60 months to 120 months".
Is money in a AU SFB FD safe?
AU Small Finance Bank is a small finance bank bank licensed by the RBI. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate