Complete Guide on Fixed Deposits

While several new-age investment options are available in India, Regular Fixed Deposits (FDs) are the most sought after. It is a type of Fixed Deposit by AU Small Finance Bank where customers can invest a lump sum amount to generate assured returns at a high interest rate for a fixed term. Here's everything you should know about AU Regular Fixed Deposits.

1. Lucrative Returns

The interest rate is one of the most significant considerations for every customer wanting to open an AU Regular Fixed Deposit Account.

AU Small Finance Bank makes investing in AU Regular Fixed Deposit more rewarding by offering higher interest rates depending on the tenure and principal amount. Moreover, senior citizens can earn up to 0.50% extra interest on their FD investments. (Click here for the latest FD interest rates)

2. Payout Options

As every customer's investment objective differs, AU Regular Fixed Deposits come with flexible payout options.

For instance, we allow customers to choose between Monthly, Quarterly, and Cumulative (at maturity) payout options. The flexibility makes it easier for deposit holders to manage their cash flows more effectively.

3. Ease of Application

As a digitally forward bank, we enable customers to book an AU Regular Fixed Deposit Account from the comforts of their homes.

Customers can complete the FD application process online through the bank's official website, AU 0101 App, or AU Video Banking facility. But if you prefer the offline application method, you can also walk into the nearest bank branch to book an FD in person.  

4. Banking at Your Convenience

Customers who prefer the traditional method of having a one-on-one conversation with a bank executive by visiting the bank can upgrade to the AU Video Banking facility for a similar branch-like experience.

Through our AU Video Banking facility, customers can securely execute Fixed Deposit-related service requests from their homes without visiting the bank. 

5. Flexible Account Tenure

To further help customers customize their FD Account, you can choose from a highly flexible FD tenure, ranging from 7 days to 10 years.

Customers can conveniently select a tenure according to their investment objectives and cash flow requirements.

Some of the top benefits of Fixed Deposits are as follows-

• Generate Fixed Returns

FD returns don't depend on market conditions. The interest rate is fixed and remains the same for the entire term of the deposit.  

• Instantly Make Lump Sum Investments

Compared to many other investment options, booking an AU Regular Fixed Deposit is simpler and faster.

• Flexible Tenure and Payouts

Customers also get enhanced flexibility regarding FD tenure and payouts.

• Low investment amount

You can open an AU Regular Fixed Deposit by investing only INR 1,000

Read more: Fixed Deposits - 5 Key Benefits

• Resident & Non-resident Indians
• HUFs (Hindu Undivided Families), limited companies, sole proprietorship firms, partnership firms, and trust accounts

Here are some of the reasons that make AU Small Finance Bank ideal for your FD investment-

• One of the highest Fixed Deposit interest rates
• Flexible FD tenures ranging from 7 days to 10 years
• Monthly, Quarterly, and Cumulative payout options
• Easy online FD account opening and management

• If you're looking for a low-risk investment for your short-term and long-term financial goals, you can book a Regular Fixed Deposit with us at the earliest
• As one of the best banks for Fixed Deposits, you get access to many features and benefits

To open an AU Regular Fixed Deposit account online, you can visit our official website or apply via AU 0101 App/NetBanking.

*T&C apply

Read More: How to Make FD Effectively Work for You?