Updated September 28, 2026 · SumCue Editorial Team
AU Small Finance Bank vs CIMB Bank
AU Small Finance Bank
Higher score in this comparison
CIMB Bank
AU Small Finance Bank vs CIMB Bank: the differences
| Compare | AU Small Finance BankReviewVisitVisit | CIMB BankReviewVisitVisit |
|---|---|---|
| Headline rate | 6.75%Higher | 0.25% |
| Term | 12 to 60 months | 24 to 84 monthsHigher |
| Minimum deposit | ₹0 | MYR 20 |
| 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 | Withdraw funds at any time from an ATM, online, or at a branch |
| Monthly fee | Not confirmed | MYR 0 |
Same on both: Rate type (Variable), Account kind (Easy access).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- AU Small Finance Bank scores higher overall: 9.3 vs 8.8.
- Headline rate is higher at AU Small Finance Bank: 6.75% vs 0.25%.
- Term is higher at CIMB Bank: 24 to 84 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Phone.
- Pricing model: only AU Small Finance Bank offers Fixed rate.
- Pricing model: only CIMB Bank offers No annual fee.
Our verdict on each
AU Small Finance Bank
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%.
CIMB Bank
CIMB Bank suits Malaysian savers and borrowers who want plain costs and fast access to money. Its easy-access Basic Savings Account pays 0.25% on variable terms with no annual fee, and its Cash Plus personal loan carries an arrangement fee of RM0 (no processing fee).
Score breakdown
| Area | AU Small Finance Bank | CIMB Bank |
|---|---|---|
| Cost | 9.5HigherBorrowing runs to an APR of up to 30%, and a personal loan adds Up to 4% of approved loan amount, minimum INR 2,000. | 9.2 |
| Offer | 9.2HigherBeyond the rate, the offer includes a easy access account, monthly interest payouts, unlimited online payments and a doorstep service. | 8.2 |
| Trust | 9.2 | Not confirmed |
The bill, worked out
10,000 saved for 12 months
AU Small Finance Bank
675
6.75% of 10,000
CIMB Bank
25
0.25% of 10,000
AU Small Finance Bank comes out 650 higher in this example.
Excludes monthly fee (not stated by AU Small Finance Bank). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Positions in our rankings
| Ranking | AU Small Finance Bank | CIMB Bank |
|---|---|---|
| Savings | 17 of 1492 | 36 of 1492 |
| Savings accounts | 10 of 658 | 24 of 658 |
| Loans | 87 of 2043 | 127 of 2043 |
| Personal loans | 73 of 1317 | 106 of 1317 |
| Mortgages | 7 of 853 | 14 of 853 |
| Credit and debit cards | 21 of 1594 | 46 of 1594 |
Which one suits you
Pick AU Small Finance Bank if cost, offer, and headline rate matter most.
Pick CIMB Bank if term matter most.
Sources behind this comparison
AU Small Finance Bank
- au.bank.in: 11 facts, checked September 26, 2026
CIMB Bank
- cimb.com.my: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | AU Small Finance Bank | CIMB Bank |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Legal entity | AU Small Finance Bank | CIMB Bank Berhad |
| Headquarters | India | Malaysia |
| Founded | 1996 | Not confirmed |
| Support channels | Phone, Help centreCovers more | Help centre |
Loans
| Fact | AU Small Finance Bank | CIMB Bank |
|---|---|---|
| APR | up to 30% | 15% |
| Loan amount | ₹25,000 to ₹1,500,000 | MYR 2,000 to MYR 100,000 |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | RM0 (no processing fee) |
| Funding time | Within 24 hours | Instant disbursement; approved and disbursed in 10 minutes |
| Representative example | Not confirmed | Cash Plus Personal Loan: fixed 4.38% p.a. equivalent to effective interest rate 8.08% p.a. on 5-year tenure |
| Features | Same day funding | Rewards |
| Lender type | Direct lender | Direct lender |
| Free early repayment | No | YesHas it |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed over 6 consecutive months |
| Origination fee (%) | up to 4% | 0.5% |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Credit needed | Good | Not confirmed |
Credit cards
| Fact | AU Small Finance Bank | CIMB Bank |
|---|---|---|
| Annual fee | Not confirmed | MYR 0 |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | Unlimited Cash Rebate |
| Card kind | Credit | Credit |
Mortgages
| Fact | AU Small Finance Bank | CIMB Bank |
|---|---|---|
| Initial rate | Not confirmed | 4.8% to 5.2% |
| Maximum loan to value | Not confirmed | 100% |
| Product fee | Not confirmed | MYR 0 |
| Purpose | Purchase, Remortgage, Home equity | Purchase, First time buyer |
Where each stands against the rest
| Fact | AU Small Finance Bank | CIMB Bank | Median |
|---|---|---|---|
| Headline rate | 6.75%highest quarter | 0.25%lowest quarter | 3.3% |
| Term | 12 to 60 monthsat the median | 24 to 84 monthsabove the median | 60 |
| Monthly fee | Not confirmed | MYR 0at the median | MYR 0 |
Median across 710 listed providers.
Pros and cons
AU Small Finance Bank
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.
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.
CIMB Bank
Pros
- The debit card carries an annual fee of MYR 0, so there is no yearly charge to hold it
- Personal loans charge an arrangement fee of RM0 (no processing fee), plus 0.5% on the loan amount
- Funding time is listed as Instant disbursement; approved and disbursed in 10 minutes, so an approved loan does not sit waiting on a payout
Cons
- Support runs on help centre only, so most questions are handled through the help centre itself
- The savings rate is variable at 0.25%, so the return can rise or fall with the base rate
- Loan eligibility is limited to Malaysian citizens who are adults, with a minimum monthly gross income and a waiting period of employment
Who each suits
AU Small Finance Bank
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.
CIMB Bank
Who it suits
- Malaysian adults who want an easy-access savings balance held with no monthly fee
- Borrowers who want a personal loan with an arrangement fee of RM0 (no processing fee) and quick disbursement
- First-time home buyers using the CIMB My First Home purchase route with up to 100% loan to value
Who should look elsewhere
- Anyone outside Malaysia, since the personal loan eligibility rests on Malaysian citizenship
- Savers who want a locked rate, because the rate type on the savings account is variable
- Borrowers who cannot meet the minimum monthly gross income requirement for approval
Country by country
| Country | AU Small Finance Bank | CIMB Bank |
|---|---|---|
| India | Yes | No |
Questions about each
AU Small Finance Bank
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.
CIMB Bank
What rate does the Basic Savings Account pay?+
It pays a headline rate of 0.25% at a variable rate type, so the return follows the base rate. The account opens with a minimum deposit of MYR 20, and the monthly fee is MYR 0.
How much does it cost to hold a CIMB Bank account?+
The monthly fee on the savings account is MYR 0, and the annual fee on the cards is MYR 0. Money in the savings account is easy-access, so you can take it out whenever you need it, at an ATM, online or at a branch counter.
Other options to compare
Other matchups
- AU Small Finance Bank vs Sofkredit
- AU Small Finance Bank vs eToro
- AU Small Finance Bank vs Creduma ES
- AU Small Finance Bank vs Lendela
- AU Small Finance Bank vs CHECK24
- AU Small Finance Bank vs Empower Personal Dashboard
- AU Small Finance Bank vs Monzo
- AU Small Finance Bank vs LEND.ch
- AU Small Finance Bank vs Borrowell
- AU Small Finance Bank vs ICICI Bank
- CIMB Bank vs Alior
- AU Small Finance Bank vs EstateGuru