ASAU Small Finance Bank Calculators & Rates 2026Small finance bank
Current AU SFB loan and deposit rates, each wired to a calculator preset to that rate — plus how AU SFB compares with other banks.
How AU SFB compares with other banks
AU SFB's personal loan rate of 12.50% is the 8th lowest of 8 banks (best: HDFC at 10.75%) — 1.48 percentage points above the 11.02% median.
AU SFB's 1-year FD rate of 7.25% is the highest of the 8 banks we track — 0.45 percentage points above the 6.80% median.
AU SFB's 1-year RD rate of 7.20% is the highest of the 8 banks we track — 0.45 percentage points above the 6.75% median.
Rankings use each bank’s headline rate; your offered rate depends on amount, tenure and credit profile, so treat these as a shortlist, not a verdict. The full picture per product — slab-wise tables and every bank side by side — is on FD rates and all banks.
AU SFB fees and rules that matter
The rate is only half the cost of a banking product. These are the charges and conditions from AU SFB’s own product terms that most change what you actually pay or receive:
Personal loan
- AU Small Finance Bank offers personal loans of up to ₹20,00,000 with tenures of up to 60 months.
- Interest is risk-based; the lowest band is reserved for salaried applicants with a strong credit score and stable income.
- As a small finance bank, AU lends to many first-time and self-employed borrowers, so rates rise steeply for thinner credit profiles.
- Processing fee runs up to around 2% of the loan amount plus GST.
FD · 1 year
- Among the highest FD rates offered by any scheduled bank in India — a hallmark of the small-finance-bank deposit-led model.
- Deposits are insured by the DICGC up to ₹5,00,000 per depositor, covering both principal and interest.
- Senior citizens earn an additional 0.50% over the standard card rate across tenures.
- AU pays its peak rate in the 2–3 year bucket, so locking in mid-tenure captures the best return.
RD · 1 year
- AU's recurring-deposit rates rank among the highest offered by any scheduled bank, mirroring its market-leading FD pricing.
- Recurring-deposit balances are insured by the DICGC up to ₹5,00,000 per depositor at the bank.
- Monthly instalments start from ₹100, keeping the product accessible to small savers.
- Senior citizens receive an extra 0.50% over the applicable card rate.
All AU SFB rates on this page were verified on 16 July 2026. Rates are indicative seed values; confirm with AU SFB before acting.