AU Small Finance Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AU Small Finance Bank pays a headline rate of 6.75% on a variable-rate savings account and suits savers who want easy access to their money with a tiny minimum deposit. Support runs on phone and help centre, and the rate sits well above the site median of 3%.
Key facts
- Best for
- A 6.75% headline rate you can reach at any time from an easy access account.
- Headline rate
- 6.75%↗
- Rate type
- Variable↗
- Term
- 12 to 60 months↗
- Minimum deposit
- ₹0↗
- Access terms
- Zero balance account, monthly interest payouts, unlimited online payments (RTGS, NEFT, UPI, intra-bank transfer), RUPAY Platinum debit card, AU 0101 app and doorstep service↗
- Account kind
- Easy access↗
- Legal entity
- AU Small Finance Bank↗
- Headquarters
- India↗
- Founded
- 1996↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- aubank.in
Loans
- APR
- up to 30%↗
- Loan amount
- ₹25,000 to ₹1,500,000↗
- Arrangement fee
- Up to 4% of approved loan amount, minimum INR 2,000↗
- Funding time
- Within 24 hours↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- Indian resident, 21 years minimum at application, 65 years maximum at loan maturity↗
- Origination fee (%)
- up to 4%↗
- Loan types
- Personal, Debt-consolidation↗
- Credit needed
- Good↗
- Features
- Same-day funding
Credit cards
- Card kind
- Credit↗
Mortgages
- Purpose
- Purchase, Remortgage, Home-equity↗
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- Headline rate of 6.75% on a variable basis, well above the site median of 3%.
- Minimum deposit of INR 0 on a easy access account, ranked 1 of 379 on that measure.
- Support on phone and help centre, plus a doorstep service for account holders.
- Borrowing of INR 25,000 to INR 1,500,000 over 12 to 60 for personal and debt consolidation needs.
Cons
- Free early repayment: no, so settling a loan early comes with a cost.
- Support runs on phone and help centre only.
- A personal loan carries an origination fee of Up to 4% of approved loan amount, minimum INR 2,000.
Who it suits
- Savers in IN who want a variable rate with easy access and monthly interest payouts.
- Borrowers with good credit who want to deal with the bank as a direct lender.
- People who prefer doorstep service and unlimited online payments alongside a debit card.
Who should look elsewhere
- bunq, whose savings interest is 3.01%, if that rate is enough for you.
- Wise, which pays 3.29% on savings, if you are weighing a lower headline rate.
Where it sits among rivals
AU Small Finance Bank sits at 63 of 488 brands on headline rate, which is a long way down the interest table rather than near the front. On the minimum deposit it ranks 1 of 379, so access to the account is the stronger side of the offer.
Who runs it
AU Small Finance Bank has been running since 1996 and is based in India. The legal entity is AU Small Finance Bank, and the Reserve Bank of India regulates the bank in that market. Support runs on phone and help centre, and the bank also offers a doorstep service alongside its app.
How AU Small Finance Bank compares
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Where AU Small Finance Bank is available
- Available
- India
- Licence in India
- Reserve Bank of India, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does AU Small Finance Bank pay on savings?+
The digital savings account pays a headline rate of 6.75% and the rate type is variable. Interest is credited every month, and the account is a easy access account, so your money stays reachable while it earns.
Is there a minimum deposit to open the account?+
The minimum deposit is INR 0, so the account can be opened without putting a large sum in. AU Small Finance Bank ranks 1 of 379 on this measure, which keeps it an easy account to start.
How do I pay in and out, and what comes with the account?+
The digital savings account allows unlimited online payments across RTGS, NEFT, UPI and transfers inside the bank, and comes with a RUPAY Platinum debit card, the bank's mobile app and a doorstep service. Support runs on phone and help centre.
Who regulates the bank?+
AU Small Finance Bank is based in India, and the Reserve Bank of India is the regulator listed for that market. It has been operating since 1996 and also offers personal loans of INR 25,000 to INR 1,500,000.
Does the bank lend, and on what terms?+
Lending covers INR 25,000 to INR 1,500,000 over terms of 12 to 60 at an APR of up to 30% on a fixed rate basis, for personal loans and debt consolidation. The bank is a direct lender, and funding is Within 24 hours.
Can I repay a personal loan early without a charge?+
Free early repayment: no. The arrangement fee on a personal loan is Up to 4% of approved loan amount, minimum INR 2,000, and funding is Within 24 hours with same day funding available. That fee sits on top of the interest, so the total cost is higher than the APR alone suggests.
What credit history do I need for a loan?+
The bank asks for good credit, and eligibility is limited to Indian residents of adult age. Home lending covers purchase, remortgage and home equity, which widens the range of cases the bank will consider.
What cards does the bank offer?+
The card the bank offers is a credit card. Alongside that, the digital savings account comes with a RUPAY Platinum debit card, and home lending covers purchase, remortgage and home equity needs for existing borrowers.
Sources
- au.bank.in checked September 26, 2026
Backs: Card kind
“Credit Cards”
- au.bank.in/about-us checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
“Founded in 1996 by Mr. Sanjay Agarwal, a gold-medalist Chartered Accountant and first-generation entrepreneur, AU began as a vehicle finance company in Jaipur, Rajasthan”
- au.bank.in/interest-rates checked September 26, 2026
Backs: Rate type
“Savings Account Interest Rates - Earn interest of up to 6.75%* p.a. - Tiered interest slabs”
- au.bank.in/personal-banking/home-loan checked September 26, 2026
Backs: Purpose
“Home Purchase Loan, Home Construction Loan, Home Improvement Loan, Home Loan Balance Transfer, Home Top Up Loan”
- au.bank.in/personal-banking/personal-loan checked September 26, 2026
Backs: Loan amount, APR, Credit needed, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Term
“The minimum amount offered is INR 25,000.”
- au.bank.in/personal-banking/savings-account checked September 26, 2026
Backs: Minimum deposit
“AU Digital Savings Account - No Minimum Monthly Balance Required”
- au.bank.in/personal-banking/savings-account/digital-savin... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Support channels
“One Account. Many Benefits. Paperless banking - Unlimited Online Payments - RTGS, NEFT, UPI, Intra Bank Fund Transfer - No Minimum Balance”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
AU Small Finance Bank
A 6.75% headline rate you can reach at any time from an easy access account.