Savings Account Interest Rates
Looking to maximise the returns on your idle funds? AU Savings Account helps you grow your money effortlessly with one of the highest interest rates in the industry—up to 6.75% p.a. What’s more? You enjoy monthly interest credits, ensuring faster compounding and better liquidity.
Why Choose AU Small Finance Bank for Your Savings?
- Attractive Interest Earnings: Enjoy higher returns on your savings compared to many traditional bank accounts.
- Monthly Interest Payment: Benefit from monthly interest credit to grow your savings faster.
- Discounts on daily spends: Get discounts on your favourite everyday spends like dining, movies, groceries and more though our power packed Debit Cards.
- AU 0101 App: Pay, Shop, Invest, and Protect securely anytime anywhere through our AU 0101 Mobile Banking app.
- Share banking benefits: Extend best of banking benefits to your loved ones.
- Wealth Services: Grow your wealth with our best-in-class investment advisory.
- Trusted & Secure: Join millions of satisfied customers who count on us for secure and dependable banking.
For Domestic / NRE / NRO Savings Account
Applicable Interest Rates on Savings Bank Deposits w.e.f. 23rd April 2026
| Savings Account Incremental amount slab | Rate of Interest applicable (per annum) |
|---|---|
| Less than INR 1 Lakh | 2.50% |
| INR 1 Lakh to less than INR 3 Lakhs | 2.50% |
| INR 3 Lakhs to less than INR 5 Lakhs | 2.75% |
| INR 5 Lakhs to less than INR 10 Lakhs | 3.50% |
| INR 10 Lakhs to less than INR 25 Crores | 6.50% |
| INR 25 Crores to less than INR 100 Crores | 6.75% |
- Savings Account interest will be calculated on a daily basis & paid at monthly intervals (i.e. at the end of each month).
- Interest rates mentioned are applicable for the incremental balances that are present corresponding to the amount slab mentioned.
- **For Savings Account Interest Rates on incremental balances of INR 100 Crores & above, please contact your Branch or Relationship Manager.
- For example: If the total balance is INR 4 Crores, then the following grid will be applicable:
- For balances of INR 1 to INR 99,999 : 2.50%
- For incremental balances of INR 1 Lakh to INR 2,99,999 : 2.50%
- For incremental balances of INR 3 Lakhs to INR 4,99,999 : 2.75%
- For incremental balances of INR 5 Lakhs to INR 9,99,999 : 3.50%
- For incremental balances of INR 10 Lakhs to INR 4 Crores : 6.50%
- AU Small Finance Bank also offers REPO Rate linked Savings Account. For more details, please contact your Relationship Manager or visit your nearest AU Small Finance Bank branch
- The above stated Savings Account interest rates are subject to change without prior notice.
Why AU Savings Account Stands Out
When it comes to growing your money safely and steadily, AU Small Finance Bank offers an edge. Our savings account is designed to help you earn more, save smarter and bank effortlessly.
- Higher Earnings Potential: Our competitive interest rates help you make the most of your idle funds.
- Faster Credit Cycles: With monthly interest payouts, you get quicker access to your earnings.
- Wide Range of Account Types: Choose from various savings account options tailored to your lifestyle and needs.
- Digital-First Convenience: Manage your account, transfer funds, and pay bills seamlessly via AU 0101 Business App or Internet Banking.
- Zero Fee Banking: Enjoy essential services with no hidden charges.
How to Calculate Savings Account Interest Rate
Savings account interest is calculated on your daily closing balance and is credited monthly to your account.
Formula to Calculate Interest
Interest = (Daily Closing Balance × Interest Rate × Number of Days) / 365
Example Calculation
Let’s say:
- Daily Closing Balance = ₹1,00,000
- Annual Interest Rate = 2.50%
- Number of Days in Month = 30
Interest = ₹1,00,000 × (2.50 / 100) × 30 / 365
= ₹1,00,000 × 0.0250 × 30 / 365
= ₹205
Monthly Interest Credited
In this case, ₹205 would be credited to your account monthly by AU Small Finance Bank, assuming a consistent daily balance of ₹1,00,000 and a 2.50% annual interest rate.
Note:
Actual interest earned may vary depending on:
- Your daily balance fluctuations
- The interest rate slabs applicable to your account
FAQs
1. What is the frequency of interest payouts?
The interest on your AU Savings Account is paid out on a monthly basis. This means that your interest earnings are credited to your account at the end of each month.
2. What is the savings account interest rate?
The interest rate on AU Savings Account is competitive and subject to change as per the bank's policy and prevailing market conditions. We aim to provide attractive interest rates to help your savings grow steadily.
