Under the revised structure, senior citizens can earn up to 7.75% per annum on term deposits, while regular customers can earn up to 7.25% per annum on FDs and RDs. Savings account interest rates have been adjusted to a peak of 6.75% per annum.
The changes apply across key deposit products and primarily cover medium-term tenures. For fixed deposits, the highest rates are observed in the 30–36 month bucket, while rates for shorter and longer tenures vary.
A look at revised fixed deposit interest rates:
| Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
| 7 days – 1 month 15 days | 3.50% | 4.00% |
| 1 month 16 days – 3 months | 4.75% | 5.25% |
| 3–6 months | 5.25% | 5.75% |
| 6–12 months | 6.35% | 6.85% |
| 12–15 months | 7.10% | 7.60% |
| 15–18 months | 7.00% | 7.50% |
| 18–24 months | 7.00% | 7.50% |
| 24–30 months | 7.10% | 7.60% |
| 30–36 months | 7.25% | 7.75% |
| 36–45 months | 7.00% | 7.50% |
| 45–60 months | 6.75% | 7.25% |
| 60–120 months | 6.75% | 7.25% |
(Source: AU Small Finance Bank)
The bank said the revisions extend to both new and existing customers and are available through its branch network and digital channels.
AU Small Finance Bank operates across more than 2,700 banking touchpoints in India and offers a range of deposit and lending products. The rate changes come amid ongoing adjustments by lenders to align deposit mobilisation with broader liquidity and interest rate conditions.
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