Digital Transactions & Online Payment Limits

Digital Transactions Limit

AU Small Finance Bank provides its customers with numerous ways to make payments. To safeguard our customers, we have set daily limits on transactions done from the different payment methods.

List of payment methods and the applicable transaction limits:

1. Debit Card

Daily Cash Withdrawal limits at ATM & daily transaction limits at POS/ Online/ ecommerce for various debit cards are as below

Card Type	Card Name	Daily Transaction Limit
Personal Debit Cards	Visa Royale Debit Card	INR 400,000
	Visa Platinum Debit Card	INR 200,000
	RuPay Platinum Debit Card - NRO account	INR 200,000
	Visa Gold Debit Card	INR 75,000
	RuPay Classic Debit Card	INR 20,000
	RuPay Platinum Debit Card - Student account	INR 20,000
	Visa Gold Debit Card - Kids account	INR 5,000
Business Debit Cards	Visa Business Platinum Debit Card	INR 200,000
Business Debit Cards	Visa Business Gold Debit Card	INR 100,000

2. AU 0101 App & NetBanking

Now transfer funds from your AU Small Finance Bank account to any other account 24x7 & even on bank holidays with AU 0101 App & NetBanking.

Daily transaction limits for various fund transfers are as below.

Transaction Type	Daily Transaction Limit
Fund Transfer to newly added Payee (first 3 hours)	INR 50,000
One Time Transfer	INR 50,000
UPI	INR 100,000
IMPS	INR 10,00,000
NEFT	INR 10,00,000
RTGS	INR 10,00,000
Intra-bank i.e. to other AU account	INR 10,00,000
Payment Gateway	INR 10,00,000
Bill Payment	INR 10,00,000

3. Corporate NetBanking & Mobile Banking app

Below are the daily transaction limits for fund transfers done via Corporate NetBanking & Mobile app.

On bank working days (00:30am – 06:30pm)

Transaction Type	Daily Transaction Limit
IMPS	As per daily limit defined in your account
NEFT
RTGS

After working hours (06.30pm – 11.45pm), 2nd & 4th Saturday, Sunday and Bank Holidays

Transaction Type	Daily Transaction Limit
IMPS	INR 1,00,00,000
NEFT
RTGS

4. AU 0101 Business app and Netbanking

Now transfer funds from your AU Small Finance Bank account to any other account 24x7 & even on bank holidays with AU 0101 Business App & NetBanking.

Daily transaction limits for various fund transfers are as below.

Transaction Type Limit	Per day limits (in INR)
NEFT Limit	INR 10,00,000
RTGS Limit	INR 10,00,000
IMPS Limit	INR 10,00,000
Quick Transfer	INR 50,000
Internal Fund Transfer Limit	INR 10,00,000
Fund Transfer to newly added Payee (first 3 hours)	INR 50,000

Note:

Fund transfer instructions will be processed basis beneficiary account number(s) and not basis beneficiary name(s)
Once transaction is authorized, it is irrevocable.
NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement) & IMPS (Immediate Payment Service) transactions are available 24x7 (including all Saturdays, Sundays and Holidays).
Please note NEFT & RTGS Transactions shall not be available for customers between 11:45PM – 00:30 AM (45 mins) on all days. You may use IMPS or UPI for real time processing of your transactions in this period.