High Interest Rates
Earn up to 6.75%* p.a. on your AU Savings Bank Account & receive monthly interest payouts
Monthly Interest Payouts
Receive monthly interest payouts to manage your cash flows better
Banking at Your Convenience
Get all your banking transactions & other service requests executed from the comfort of your home with the help of Video Banking facilities
Zero Balance
Enjoy maintaining a zero balance in your account with a simple credit of ₹5000 on monthly basis or by having an active PMJJBY, PMSBY or APY scheme
Free ATM Transactions
Access your money conveniently with up to 5 free ATM withdrawals across AU Small Finance Bank ATMs & other bank ATMs
Easy Accessibility
Enjoy hassle-free banking with our extensive network of branches and ATMs across the country
Feature-Rich Debit Card
Get AU RuPay Classic Debit Card that provides purchase protection and offers along with discounts across leading brands in India
Easy Fund Transfer
Now your employer can send money instantly in your bank account at any time through fund transfer
Investment Facility
Put your money to good use for the future through recurring deposits
Disclaimer
* Terms and Conditions apply. Rates are subject to change at the sole discretion of AU Small Finance Bank..
Please note: Maximum credit amount allowed per month in account – ₹1,00,000
Things to know
Fees and Charges
We believe in complete transparency and provide you with a list of charges for the services we offer. These include charges for your Debit Card, payment and collection services, transactions, and delivery fees.For more details, please refer to our Service Fee Reckoner.
Eligibility
- If you reside in India, are 18 years or above, and have the necessary KYC documents, you can open a Savings Account with us
The product is available only for the underbanked segment with an annual income of less than ₹5 lakhs
The product shall be offered only to select customers at the sole discretion of AU Small Finance Bank
How to apply
Visit your nearest branch: Walk into your closest branch with your KYC documents and passport-sized photographs. You can fill in the application form at the branch to get the process started.
Why AU
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National presence
Bank with us through a network of 2,700+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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View balance and transactions
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Download account statement
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Request cheque book
40+ lakh customers banking on app
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
FAQs
What is AU Vikaas Savings Account?
AU Vikaas Savings Account is designed to provide banking services to every Indian, especially those who support and care for us every day. By enriching lives and making banking more accessible for one and all, we strive to honour the hard work and dedication of all who drive the nation forward.
What is the eligibility to open Vikaas Savings Account?
Product is available only for the underbanked segment with an annual income of less than 5 Lakhs.
AMB requirement - Average monthly balance of ₹1000
AMB is waived off on receiving digital payments of ₹5,000 in a month or opting for social security schemes (PMJJBY/PMSBY/APY)
What are the benefits of AU Vikaas Savings Account?
Below are some of the benefits given in AU Vikaas Savings Account
- We offer attractive interest rates to our Savings Account customers. Click here for more information on interest rates
Enhanced ATM withdrawal C Purchase limits of ₹20,000
Put your money to good use for the future through Recurring Deposits
How can I open my AU Vikaas Savings Account?
AU Vikaas Savings Account can be opened in all AU Small Finance Bank branches near you.
What is the maximum credit allowed in Vikaas Savings Account?
The maximum credit limit allowed in Vikaas Savings Account is INR 5 lakhs per month.
What are the Debit Card insurance benefits offered in AU Vikaas Savings Account?
AU Rupay Classic Debit Card holders can avail the benefits as below:
Enhanced Insurance coverage as indicated below:
- Card Liability Cover: ₹75,000
Purchase Protection: ₹20,000
Personal Accident Cover: ₹1 lac
Air Personal Accident Cover: ₹1 L
What are the charges for fund transfer in AU Vikaas Savings account?
There are unlimited online payments RTGS, NEFT, UPI, Intra bank fund transfer.
RTGS at branch is charged at ₹10 per txn.
NEFT at branch is charged at up to ₹1 lakh – ₹2 per txn, above 1 lakh – ₹10 per txn.
IMPS online will be charged as below:
Up to ₹10,000 – ₹2.50
>₹10,000 to ₹1,00,000 – ₹5
>₹1,00,000 – ₹15
What are the charges for cash deposit in AU Vikaas Savings account?
Cash Deposit is free up to 5 transactions or INR 50,000 per month which ever is earlier. Post which INR 5/1000 (min INR 100)
What is the debit card fee applicable in AU Vikaas Savings account?
The annual fees for debit card will be ₹200
What are the non-maintenance charges applicable in AU Vikaas Savings account?
If the customer is not maintaining the Average Monthly Balance, customers will be charged at 6% of shortfall amount, max ₹50.
There will be no AMB non maintenance charges if the customer does a monthly credit of ₹5000 in the account or has an active PMJJBY, PMSBY or APY scheme.
Please refer to service-fee
Is grouping of family members allowed in this product?
This is not a family banking program, and hence grouping of family members will not be allowed under this product.
How can a customer get a zero-balance savings account?
If the customer credits ₹5000 in the account monthly or has an active PMJJBY, PMSBY or APY scheme, then customer gets zero balance savings account.
What documents are required to open an AU Vikaas Savings Account?
To open an AU Vikaas Savings Account, you need to provide KYC documents, such as an Aadhaar card, PAN card, Voter ID, or any other Government-issued ID and address proof.
Are there any charges for ATM transactions?
There are 5 free transactions at AU Small Finance Bank and 5 free transactions at other bank’s ATM, beyond that charges may apply for transactions.
Can I earn interest on my savings in AU Vikaas Savings Account?
Yes, you can earn attractive interest rates on your savings in AU Vikaas Savings Account. The interest is calculated on the daily balance and credited to your account monthly.
How can I access my AU Vikaas Savings Account?
You can access your AU Vikaas Savings Account through AU Small Finance Bank's extensive network of branches and ATMs, as well as through the AU 0101 App for seamless banking. You will also receive an ATM/Debit card for easy withdrawals and purchases.
How do I check my account balance?
You can check your account balance by visiting any ATM, through AU0101 mobile and internet banking, or by visiting your nearest branch.
What should I do if I need assistance with my AU Vikaas Savings Account?
If you need assistance, you can visit your nearest AU Small Finance Bank branch, call the customer service helpline 1800 1200 1200, or visit the bank’s website for more information and support.
