AU Bank Fixed Deposit (FD) Calculator
Calculate fixed deposit interest earnings and cumulative returns with AU Small Finance Bank retail term deposits. AU Bank offers competitive yields across domestic deposits with monthly or quarterly interest payouts, including popular special tenure buckets such as the 45-month term deposit.
Official Rate Formula & Benchmark:
AU Bank domestic term deposits compound interest on a quarterly basis using the standard formula A = P(1 + r/400)^(4t). Regular depositors earn a verified card rate of 7.25% p.a. on 3-year deposits, with eligible senior citizens receiving a preferential 50 bps premium (7.75% p.a.).
Current official starting rate: 7.25% p.a. (Range: 7.25% – 8.25% p.a.).
AU Bank FD Calculator
Interactive calculation engine using official AU Small Finance Bank rates
Senior Citizen Benefit
AU Small Finance Bank offers 7.75% p.a. (+0.50% extra) for age 60+
Deposit Growth Schedule
| Year | Cumulative Interest | Closing Value |
|---|---|---|
| Year 1 | ₹37,248 | ₹5,37,248 |
| Year 2 | ₹77,270 | ₹5,77,270 |
| Year 3 | ₹1,20,274 | ₹6,20,274 |
Rate Verification & Official Notice
7.25% p.a.
7.25% – 8.25% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.75% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding on cumulative deposits
- Senior citizen 50 bps extra
- Special 45-month bucket at 7.75%
Source: AU Small Finance Bank Fixed Deposit Rates
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Select deposit quantum starting from ₹1,000 online via AU 0101 app.
- 2Choose cumulative reinvestment for maximum compounding or monthly/quarterly payouts.
- 3Premature withdrawal permissible subject to 1.00% penal interest deduction.
Key Factors Influencing Your Rate
- •Special tenure buckets (e.g., 45 months yielding up to 7.75% for general and 8.25% for seniors)
- •Resident Indian individual status and KYC verification
- •Tax deduction at source (TDS) under Section 194A
Worked Numerical Example: AU Bank FD Calculator
A fixed deposit of ₹5,00,000 placed for 3 years at 7.25% p.a. with quarterly compounding matures at ₹6,20,273, earning ₹1,20,273 in cumulative interest.
Frequently Asked Questions: AU Bank FD Calculator
- What is AU Bank 3-year FD rate?
- 7.25% p.a. for general depositors and 7.75% for senior citizens.
- Are deposits insured?
- Yes, up to ₹5,00,000 per depositor under DICGC.