AU Small Finance Bank Savings Account

Last Updated : Feb. 28, 2025, 4:20 p.m.

AU Small Finance Bank is one of the most tech friendly and easy to access banks in the country. It has its origins from Jaipur in Rajasthan and has 2400 branches across the country. In this article, we will take a look at the AU Small Finance Bank savings account product offered by this bank and its features and benefits. We will also take a look in detail about the interest rates and minimum balance requirements.

AU Small Finance Bank Savings Account Interest Rates 2026

Below are the savings account interest rates for AU Small Finance Bank:

Types of AU Small Finance Bank Savings Account

Below are the savings accounts types offered by AU Small Finance Bank. You can choose the type based on your needs.

1. AU Savings Account - This savings account is best suited for individuals.

• Minimum balance - Rs. 5,000 for metro and urban and Rs. 2,000 for rural
• Visa gold debit card
• Relationship manager appointed
• KYC documents are mandatory

2. AU Salary Account - This savings account is a zero balance account and best suited for salaried employees.

• Rupay debit card
• Tax advisory and support is provided
• Additional insurance provided

3. AU Institution Account - This account is specially designed for institutions like clubs, trusts, clubs, NGOs.

• Rupay debit card
• Monthly interest paid
• Bulk transactions
• Support and customised services provided

4. AU Senior Citizen Account - This savings account is specially designed for senior citizens. Preferential treatments and offers given to senior citizens. Citizens above the age of 60 years are eligible for this account.

• Higher Interest rates on fixed deposits
• Insurance benefits
• Visa gold debit card
• Minimum balance Rs. 5,000 for urban or metro and Rs 2,000 for rural areas
• Benefits of insurance provided

5. AU Women Account - This savings account is designed for women to meet their financial needs and make them prepared for future financial scenarios.

• Visa gold debit card
• Family banking is provided
• Minimum balance Rs. 5,000 for urban or metro and Rs 2,000 for rural areas

6. AU Kids Account - This account is designed for kids to make them financially aware and manage their finances. Children below 18 years are eligible for this account.

• Insurance benefits provided
• Gold debit card for children above the age of 10 years.

7. AU Student Account - This savings account is beneficial for students studying in colleges or universities. If minors opt for this account, it should be operated by a guardian.

• This is a zero balance account
• Insurance benefits
• Lounge access at airports
• Rupay debit card

8. AU ABHI Savings Account - This is a fast operating savings account. One can instantly carry out banking transactions with this account.

• Virtual debit card.
• Easy application.
• Instant access to banking.
• Online fund transfer is free.

9. AU Digital Savings Account - This savings account is for simplifying banking needs of customers.

• Paperless banking.
• Instant account opening.
• Rupay platinum card.
• Instant access.

10. BSBDA Savings Account - This savings account is suited for individuals. This account is available for Indian citizens. The account holder should not have any BSBDA account with any other bank.

• Free cash deposits.
• 4 free withdrawals per month.
• Rupay classic debit card.

AU Small Finance Bank Savings Account Benefits

• Zero average monthly balance
• Interest rates ranging from 3.50% to 7.25%.
• INR 1 lakh per month free transaction at any branch
• Rupay Platinum Debit Card.
• Unlimited debit card transactions
• 25 free leaves per year.
• RTGS/NEFT is free iif performed over net banking or video call.

Documents Required for AU Small Finance Bank Savings Account

For opening a savings account at AU Small Finance Bank, The following are the documents needed.

• Proof of identity - PAN card, Aadhar card , passport, driving license
• Residence Proof - Aadhar card, utility bill, passport
• Proof of salary from employer - salary slip, payment proof
• Recent photographs

What is the Minimum Balance for AU Small Finance Bank Savings Account?

AU Small Finance Bank offers a number of zero balance accounts. For the others, the minimum balance requirement is Rs. 5,000 for urban or metro and Rs. 2,000 for rural areas.

AU Small Finance Bank Savings Account Charges & Fee

AU Small Finance Bank charges fees for a variety of transactions and services, including account closure, cheque retrieval, and cash withdrawals.

Savings Account - Value

• 5% charges for the shortfall per month for non-maintenance of balance
• ₹21 for financial transactions after free transactions
• SMS alerts are charged quarterly

Savings Account - Exclusive

• ₹100 after 21 days to 1 year
• ₹50 per cheque for account closure
• ₹100 per cheque for retrieval
• ₹3 per transaction after the first five transactions for return handling
• ₹500 per instance for AEPS Mini Statement.

How to open a Savings Account in AU Small Finance Bank?

• You can opt for opening a savings account in AU Small Finance Bank by video banking.
• Fill in the application from online and upload all the documents.
• You can also opt to visit the nearest branch for opening a savings account.