Name of the Bank : __AU Small Finance Bank___________________

Rates at a Quick Glance

As on ____8th June 2024________

Deposit Accounts
Rate of Interest Minimum Balance
Nature
Normal Senior Citizen Urban Core
Account
1 Savings Bank A/c
A. Domestic
a.

Savings variant Ivy Savings Account 25,00,000 25,00,000

Kids Savings Account, Student Savings Account,
Digital Savings Account & Basic Savings Bank
Nil Nil
Deposit Account, Institution Savings Account,
Government Banking Savings Account (a). For balances less than INR 1 Lac: 3.00%
p.a.
(b). For incremental balances from INR 1 Lac
Royale Savings Account to less than INR 5 Lacs: 1,00,000 1,00,000
4.00% p.a.
(c). For incremental balances from INR 5 Lac
to less than INR 10 Lacs:
Platinum Savings Account 5.00% p.a. 25,000 25,000
(d). For incremental balances from INR 10
Lacs to less than INR 25 Lacs:
7.00% p.a.
(e). For incremental balances from INR 25
Lacs to less than INR 1 Crore: 10,000 5,000
Women Savings Account, Senior Citizen Savings
Account & Value Savings Account 7.00% p.a.
(f). For incremental balances from INR 1
Crore to less than INR 5 Crores:
7.25% p.a. 10,000 AQB 10,000 AQB
(g). For incremental balances from INR 5
Swadesh Savings Account crore to less than INR 10 crores:
7.00% p.a.
(h) For incremental balances from 10 crore 2,000 AQB 2,000 AQB
and above, please contact your branch or RM
Kisan Savings Account
B. Non Resident
a. NRE and NRO
 (a). For balances less than INR 1 Lac: 3.00%
p.a. 5,000 5,000
(b). For incremental balances from INR 1 Lac
to less than INR 5 Lacs:
(NRE+NRO) SavingsAccount
4.00% p.a.
(c). For incremental balances from INR 5 Lac
to less than INR 10 Lacs:
5.00% p.a. 1,00,000 1,00,000
(d). For incremental balances from INR 10
Lacs to less than INR 25 Lacs:
(NRE+NRO) Platinum World Savings 7.00% p.a.
(e). For incremental balances from INR 25
Lacs to less than INR 1 Crore:
7.00% p.a.
(f). For incremental balances from INR 1 5,00,000 5,00,000
Crore to less than INR 5 Crores:
7.25% p.a.
(NRE+NRO) Royale World Savings
(g). For incremental balances from INR 5
crore to less than INR 10 crores:
7.00% p.a.
(h) For incremental balances from 10 crore 5,000 5,000
and above, please contact your branch or RM

(NRE+NRO) Current Account

* Applicable on select slabs
2 Term Deposits
A. Domestic Rate of Interest

1 Crore 1 thousand to less

Term Deposits (All Maturities) Less than 3 Crore (Callable)
than 3 Crore (Non-Callable)

Domestic & NRE/NRO Retail Fixed Deposits

Interest Rate
Tenure
Regular Senior citizen Regular
7 Days to 1 Month 15 Days 3.75% 4.25% -
1 Month 16 Days to 3 Months 5.50% 6.00% -
3 Months 1 Day to 6 Months 6.00% 6.50% -
6 Months 1 Day to 12 Months 7.25% 7.75% -
12 Months 1 Day to 15 Months 7.85% 8.35% 7.95%
15 Months 1 Day to less than 18 Months 7.50% 8.00% 7.60%
18 Months 8.00% 8.50% 8.10%
18 Months 1 Day to 24 Months 7.75% 8.25% 7.85%
24 Months 1 Day to 36 Months 7.50% 8.00% 7.60%
36 Months 1 Day to 45 Months 7.50% 8.00% -
45 Months 1 Day to less than 60 Months 7.25% 7.75% -
 60 Months to 120 Months 7.25% 7.75% -

Non-Resident Accounts (Retail Fixed Deposits)

a. NRO (All Maturities) For Amount < INR 3 Cr
Interest Rates
Tenure
Regular Senior citizen
7 Days to 1 Month 15 Days 3.75% 4.25%
1 Month 16 Days to 3 Months 5.50% 6.00%
3 Months 1 Day to 6 Months 6.00% 6.50%
6 Months 1 Day to 12 Months 7.25% 7.75%
12 Months 1 Day to 15 Months 7.85% 8.35%
15 Months 1 Day to less than 18 Months 7.50% 8.00%
18 Months 8.00% 8.50%
18 Months 1 Day to 24 Months 7.75% 8.25%
24 Months 1 Day to 36 Months 7.50% 8.00%
36 Months 1 Day to 45 Months 7.50% 8.00%
45 Months 1 Day to less than 60 Months 7.25% 7.75%
60 Months to 120 Months 7.25% 7.75%

b. NRE (All Maturities) For Amount < INR 3 Cr

Interest Rates
Tenure
Regular Senior citizen
12 Months 1 Day to 15 Months 7.85% 8.35%
15 Months 1 Day to less than 18 Months 7.50% 8.00%
18 Months 8.00% 8.50%
18 Months 1 Day to 24 Months 7.75% 8.25%
24 Months 1 Day to 36 Months 7.50% 8.00%
36 Months 1 Day to 45 Months 7.50% 8.00%
45 Months 1 Day to less than 60 Months 7.25% 7.75%
60 Months to 120 Months 7.25% 7.75%
Rate of Interest
2 years & above 3 years & above but < 4 4 years & above but < 5
1 year & above but < 2 years For 5 years (Maximum)
but < 3 years years years
c. FCNR(B)
i) USD 6.30% 5.25% 4.75% 4.55% 4.15%
ii) GBP 5.85% 5.00% 4.25% 3.85% 3.55%
iii) EUR 4.30% 3.25% 2.55% 2.00% 2.00%

Loans
Rate of Interest Processing
Charges
Housing Loan
Housing Loan
 Loan amount Rs. 2 lakhs to 500 lakhs
Floating Category
Up to 5 years
1 More than 5 Yrs & up to 10 Yrs
More than 10 Yrs
11% to 22% 1.50% to 2%
Fixed Category
Up to 5 years
More than 5 Yrs & up to 10 Yrs
More than 10 Yrs
Personal Loan
a) Personal Loan Up to 4% of loan amount
2 Up to 30% p. a. subject to a minimum of Rs
2000/-
b) Consumer Durable Loan Upto 40% As Applicable
Vehicle Loan
a. Two Wheeler Loans New
Up to 28% Up to 4% of Loan Amount
b Two Wheeler Loans Used
c Three Wheeler New Up to 25% Up to 2% of Loan Amount
d Three Wheeler Used Up to 28% Up to 3% of Loan Amount
3 e Car New Up to 17% Up to 2% of Loan Amount
f Car Used Up to 26% Up to 3% of Loan Amount
g Commercial Vehicle & Const. Equipment New Up to 18% Up to 2% of Loan Amount
h Commercial Vehicle & Const. Equipment Used Up to 26% Up to 3% of Loan Amount
i Tractor/ Farm Equipment New Up to 20% Up to 2% of Loan Amount
j Tractor/ Farm Equipment Used Up to 26% Up to 3% of Loan Amount
4 Educational Loans Up to 24% Up to 2% of loan amount
Commercial Banking
a Business Banking/Agri Banking/NBFC Up to 18% Up to 3% of loan amount
5
b Real Estate Group (REG) Up to 22% Up to 2% of loan amount
c Financial Institutions Group Up to 18% Up to 2% of loan amount
Micro Business Loan

6
a MBL Secured (Secured by Collateral) Upto 24% p.a. Upto 2.50%of Loan Amount
b MBL (Secured by Credit Guarantee) Upto 3% of loan amount
7 Unsecured Business Loans Up to 22 % p. a. Up to 2% of Loan amount
8 Gold Loan Upto 24% p.a. Up to 1% of Loan amount

Charges
Fee Based Services
Locker
Annual Locker Rent in ₹
 Metro / Urban / Semi Urban/Rural
Type
A B C D
1
Small 2000 1800 1400 800
Medium 2800 2400 2000 1400
File 4000 3400 2800 1800
Large 6000 5000 4000 2400
Extra Large 10000 8000 6000 4000

Credit Cards
Entrance Fees Not applicable
Annual Fees Zenith+ - ₹ 4999
2 Add on Card NIL
Service charges on outstanding balance NIL
Cash withdrawal fees Zenith + - NIL
Hot listing charges NIL
Other Charges Card replacement fee - ₹ 100
3 Debit Cards Value Savings/Women Savings/Senior Citizen Savings/ Kids savings / Student Svaings/ Swadesh Savings / Kisan Savings /
NRI Debit Cards NRI Savings(NRE)/NRI Current(NRE) - ₹ 200 - Annual fees/Replacement of lost/stolen card fees,
International Debit Card Value Savings/Women Savings/Senior Citizen Savings/ Kids savings / Student Svaings/ Swadesh Savings / Kisan Savings /
NRI International Debit Card NRI Savings(NRE)/NRI Current(NRE) - ₹ 200 - Annual fees/Replacement of lost/stolen card fees,

4 Drafts / TT / MT
Value Savings/Women Savings/Senior Citizen Savings/ Kids savings /
Issue NIL
Cancellation NIL

NRI Savings Account (NRE and NRO)/NRI Current Account (NRE and NRO)/
Issue NIL
Cancellation ₹ 100

5 Outstation cheque collection

NRI Savings Account (NRE and NRO) ₹ 50 charged towards delivery fees
NRI Current Account (NRE and NRO) ₹ 50 charged towards delivery fees
Platinum World Savings Account (NRE and NRO) ₹ 50 charged towards delivery fees
Royale World Savings Account (NRE and NRO) ₹ 50 charged towards delivery fees

6 NEFT Money Transfer Inward = Nil Outward = Up to 1 Lakh : ₹ 2/ transaction, Above 1 Lakh: ₹ 10/ transaction in Women Savings, Value Savings, Senior
citizen Savings, Kids Savings, Student Savings, Aarambh Savings, BSBDA, Digital Savings, Kisan Savings and Swadesh Savings
Account. IVY, Royale and Platinum Savings Account are free
Outward = Up to 1 Lakh : ₹ 2/ transaction, Above 1 Lakh: ₹ 10/ transaction in NRI Savings Account and NRI Current
Account
Royale World and Platinum World Savings Account are free
7 IMPS Money Transfer Inward = Nil Outward = 10/transaction in Women Savings, Value Savings, Senior citizen Savings, Kids Savings, Student Savings, Aarambh
Savings, Digital Savings, Kisan Savings, Platinum Savings and Swadesh Savings Account. IVY, Royale Savings Account are free
Outward = 10/transaction in Royale World, Platinum World Savings, NRI Savings Account, and NRI Current Account

8 RTGS Money Transfer Inward = Nil Outward = ₹ 10/transaction in Women Savings, Value Savings, Senior citizen Savings, Kids Savings, Student Savings,
Aarambh Savings, BSBDA, Digital Savings, Kisan Savings and Swadesh Savings Account. IVY, Royale and Platinum Savings
Account are free
Outward = ₹10/transaction in NRI Savings Account and NRI Current Account, Royale World and Platinum World Savings
Account are free

9 Cheque return charges Outward Returns Inward Returns

For Savings Accounts INR 100/cheque , Ivy - Free ₹ 100/cheque, Ivy - Free, ₹ 500/cheque -NRI Savings, NRI Current, Royale World, and Platinum World
For Current, Overdraft Cash Credit Accounts INR 100 per cheque ₹ 500 per instance
Dishonour of outstation / local bills & cheques

10 Cheque Book Issue NIL for all accounts

11 No Dues Certificate ₹ 500 for duplicate No dues Certificate

T&C Apply. Rates are subject to change at the sole discretion of AU Small Finance Bank.