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AU Small Finance Bank

AU Small Finance

Last Updated 14th Oct 2021

Product Interest Rate
Fixed Deposit 3.50% to 6.75%
Recurring Deposit 4.00% to 6.50%
Savings Account 3.50% to 7.00%
MCLR 12.20% to 13.35%
  • AU Small Finance Bank offers services like loans, deposits and savings account.
  • Earn high returns on deposits with AU Small Finance Bank.
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AU Small Finance

AU Small Finance Bank was set as a small finance bank as per the regulations made in the Union Budget of 2014-2015. In adherence to how a Small Finance Bank should function, AU Small Finance Bank is regulated by the Reserve Bank of India under the Banking regulations Act of 1949. The Bank was set to fulfil the needs of the population that has been unbanked and untouched by the commercial banking sector. The functionalities of the Small Finance Banks have been exclusively designed to fulfil the financial needs of the underprivileged masses, by providing basic activities like deposits and lending. AU Small Finance Bank provides various banking services to its customers like deposits, locker facilities, Insurance facilities, loans, and Internet Banking, among others.

About AU Small Finance Bank

The current CEO of AU Small Finance Bank is Mr. Sanjay Agarwal. Further, the registered address of the AU Small Finance is 19-A, Dhuleshwar Garden, Ajmer Road, 302001. In case of grievances, customers can contact the Bank’s compliance officer, Mr. Manmohan Parnami by mailing him at customercare@aubank.in or by calling on +91 141 66188800. In addition to that, to raise any further queries, the compliance officer can be reached out at 19-A, Dhuleshwar Garden, Ajmer Road, 302001

AU Small Finance Bank Loan

AU Small Finance offers both secured and unsecured loans to its customers, like Home loans, personal loans, car loans, and business loans at affordable interest rates. AU Small Finance Bank is accustomed to lend more than 75% of its Adjusted Net Credit for the priority sector. This includes lending funds to poor people for housing, lending to farmers for agriculture and allied activities, lending to micro and small industries, and lending to weaker sections of the society.

Loan products Feature
Personal Loan Unsecured loan offered on the basis of credit score to meet one’s personal expense.
Car Loan Secured loan offered for the purchase of a car, where the car acts as collateral.
Home Loan Secured loan offered for the purchase, renovation or construction of a house.
Gold Loan A secured loan where the borrower can mortgage their gold to borrow funds against it.
Business loan Loans offered to business units for undertaking business activities like purchase of plant and machinery, purchase of equipment, to undertake construction or to meet day to day expenses.

AU Small Finance Netbanking Registration and log in

To add more to the convenience of the customers, AU Small Finance Bank offers net banking facility to the customers. The bank’s digital banking platform is hassle-free and easy to use. All customers with savings or current accounts can have access to AU Small Finance Bank net banking or mobile banking platform. One can register for AU Small Finance Bank net banking by following the below-mentioned steps:

  • Go to the homepage of AU Small Finance Bank net banking or visit the web portal of AU Small Finance Bank.
  • On the home page, look out for the option ‘New user registration’ or a similar option.
  • Proceed further, and enter details like bank account number, branch details, registered mobile number, and click on ‘Submit.’
  • As you click on ‘submit’ a one time password is sent to the registered mobile number. Enter the OTP and click on ‘confirm.’
  • Clicking on ‘confirm’ will create your temporary login details with a temporary username. Users can create their password.
  • After creating the password login and creating your permanent username, and accept all terms and conditions.

Why AU Small Finance Bank?

The AU Small Finance Bank is a go-to-option when it comes to choosing the right bank for your banking needs because of the following reasons:

  • AU Small Finance Bank is a retail-focused and customer-centric bank.
  • AU Small Finance Bank offers a variety of loan products to fulfil the credit needs of different loan borrowers. These are a personal loan, car loan, home loan, gold loan, or business loan. The loans with AU Small Finance are offered with easier terms and conditions along with affordable interest rates.
  • AU Small Finance Bank offers different type of investment options that are tailor-made for different types of investors. The Bank offers various Fixed deposits products such as Sweep In Facility, Regular Fixed Deposit, AU Small Finance Bank 5 Years Tax Saving Fixed Deposit. Apart from fixed deposits, the Bank also offers a recurring deposit facility.
  • In addition, AU Small Finance Bank is a reliable and secure place to deal with when it comes to funding, as the bank is regulated directly by the RBI.
  • Lastly, AU Small Finance offers easy and quick banking services, through its online banking portal; thus, customers can check their account balance, apply for a loan, can make a deposit, and can perform other banking functions, from the comfort of their home.

FAQs

Is AU Small Finance Bank safe?

Similar to commercial banks, AU Small Finance Bank is safe and secure as it is regularized by RBI.

Can AU Small Finance Bank accept deposits?

AU Small Finance Bank is a small finance bank that was set to provide banking activities to the underprivileged people. This bank conduct basic banking activities like deposits and lending.

Is AU Small Finance Bank approved by RBI?

AU Small Finance Bank is approved by RBI under the Banking regulations Act of 1949. 

Is AU Small Finance Bank FD a safe option to invest?

AU Small Finance Bank provides fixed deposits investment facility to its customers. The Bank provides highest interest of 6.75% to its customers. The interest rate provided by AU Small Finance Bank is comparatively higher than any commercial bank. Also, the FDs are equally safe in this bank.

Can I take a loan from AU Small Finance Bank?

Yes, you can opt for a loan from AU Small Finance Bank. AU Small Finance provides loan products loans like home loan, personal loans and business loans, among others.


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AU Small Finance News - Oct 2021
  • 2021-09-03 : AU Small Finance Bank changes FD rates
    AU Small Finance Bank has revised fixed deposit rates. This bank offers different tenures with various other benefits. A depositor will enjoy the interest of 5.85% and 6.00% for 12 Months 1 Day to 15 Months and 24 Months 1 Day to 36 Months tenure, respectively.
  • 2021-06-28 : FD rates revised for AU Small Finance Bank
    With effect from June 23, 2021, AU small Finance Bank revised its FD rates, the FD rates for 7 days to 1 month 15 days is 3.50%, for 1 month 16 days to 3 months is 4% and it stands at 4.50% for 3 months 1 day to 6 months. Further, the FD rates for 6 months 1 day to 12 months is 5%, for 12 months 1 Day to 15 months and it is 6.10% and stands at 6% for 15 months 1 Day to 24 months. The FD rates for long tenors of 24 months 1 day to 36 months is 6.25%, for 36 months 1 day to 60 months and 6% and for 60 months 1 day to 120 months, it is 6.25%.
  • 2021-04-30 : AU Small Finance Bank Q4 net profit up 38 per cent at Rs 169 cr
    AU Small Finance Bank reported a 38% hike in its net profit at Rs 168.98 crore for the last quarter of the fiscal ended March 2021. The profit was boosted by retail loans like home, personal, LAP, two-wheeler, car, education and doctor loan along with deposits which include fixed and recurring deposits. Total income during Q4 FY21 rose to Rs 1,569 crore as against Rs 1,366.60 crore. Interest income moved up to Rs 1,292.37 crore during the reported quarter from Rs 1,183.45 crore in the year-ago period.
  • 2021-04-07 : AU Small Finance Bank launched Platinum Family Banking Program
    With an aim to increase serve its customers, AU Small Finance Bank has launched a Platinum Family Banking Program. The scheme will offer facilities of family banking as well as offerings such as preferential pricing, priority processing, onboarding offers, and a complimentary lifetime free debit card. Further, it will also provide a dedicated relationship officer to address the financial needs of the entire family.
  • 2021-03-02 : AU Small Finance Bank revised its FD rates
    With effect from 3 March 2020, AU small Finance Bank revised its FD rates, the FD rates for 7 days to 1 month 15 days is3.50%, for 1 month 16 days to 3 months 4% and it stands at 4.75% for 3 months 1 day to 6 months. Further, the FD rates for 6 months 1 day to 12 months is 5.25%, for 12 months 1 Day to 15 months and it is 6.35% and stands at 6.25% for 15 months 1 Day to 24 months. The FD rates for long tenors of 24 months 1 day to 36 months is 6.50%, for 36 months 1 day to 60 months and 6.25% and for 60 months 1 day to 120 months it is 6.50%.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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