Updated September 29, 2026 · SumCue Editorial Team
AU Small Finance Bank vs EstateGuru
AU Small Finance Bank
Higher score in this comparison
EstateGuru
What sets them apart
| Compare | AU Small Finance BankReviewVisitVisit | EstateGuruReviewVisitVisit |
|---|---|---|
| Headline rate | 6.75% | 7%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | ₹0 | €100 |
| 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 | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment |
| Account kind | Easy access | Fixed |
| Term | 12 to 60 months | Not confirmed |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
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Key differences
- AU Small Finance Bank scores higher overall: 9.3 vs 8.8.
- Founded is lower at AU Small Finance Bank: 1996 vs 2013 to 2014.
- EstateGuru is licensed in 2 more countries.
- Headline rate is higher at EstateGuru: 7% vs 6.75%.
- Support channels: only EstateGuru offers Email, Chat.
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%.
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
Score breakdown
| Area | AU Small Finance Bank | EstateGuru |
|---|---|---|
| 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. | 8.3 |
| Offer | 9.2Beyond the rate, the offer includes a easy access account, monthly interest payouts, unlimited online payments and a doorstep service. | 9.8Higher |
| Trust | 9.2Higher | 8.6 |
Cost in a real example
10,000 saved for 12 months
AU Small Finance Bank
675
6.75% of 10,000
EstateGuru
700
7% of 10,000
EstateGuru comes out 25 higher in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
AU Small Finance Bank
- au.bank.in: 11 facts, checked September 26, 2026
EstateGuru
- estateguru.co: 10 facts, checked September 26, 2026
- fi.ee: 1 fact, checked September 26, 2026
How they place
| Ranking | AU Small Finance Bank | EstateGuru |
|---|---|---|
| Savings | 17 of 1492 | 37 of 1492 |
| Loans | 87 of 2043 | 882 of 2043 |
| Mortgages | 7 of 853 | 15 of 853 |
Every fact side by side
| Fact | AU Small Finance Bank | EstateGuru |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | AU Small Finance Bank | Estateguru OU |
| Headquarters | India | Estonia |
| Founded | 1996Lower | 2013 to 2014 |
| Support channels | Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Loans
| Fact | AU Small Finance Bank | EstateGuru |
|---|---|---|
| APR | up to 30% | Not confirmed |
| Loan amount | ₹25,000 to ₹1,500,000 | Not confirmed |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | Not confirmed |
| Funding time | Within 24 hours | Not confirmed |
| Features | Same day funding | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | No | Not confirmed |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Not confirmed |
| Origination fee (%) | up to 4% | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Credit needed | Good | Not confirmed |
Credit cards
| Fact | AU Small Finance Bank | EstateGuru |
|---|---|---|
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | AU Small Finance Bank | EstateGuru |
|---|---|---|
| Initial rate | Not confirmed | 7.2% |
| Fixed period | Not confirmed | 3 years |
| Maximum loan to value | Not confirmed | 75% |
| Purpose | Purchase, Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | AU Small Finance Bank | EstateGuru | Median |
|---|---|---|---|
| Headline rate | 6.75%highest quarter | 7%highest quarter | 3.3% |
| Term | 12 to 60 monthsat the median | Not confirmed | 60 |
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.
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
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.
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
Country by country
| Country | AU Small Finance Bank | EstateGuru |
|---|---|---|
| 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.
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
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