High Interest. High Savings.
Up to 6.75%* p.a.
With monthly interest payouts
Earn Cashback
Need A Better Interest Rate? Calculate.
Pay From Anywhere To Anyone
Transfer money between accounts
Send money to friends and family
Pay one-time and recurring bills
Quick scan and pay with UPI
One Account. Many Benefits.
Paperless banking
Extended banking hours
Flexible balance maintenance
Get Offers On Spends
AU RuPay Platinum Debit Card
₹2,00,000 daily withdrawal & higher purchase limit
AU 0101 App
Manage your account and offers in one go
Everything Important, Protected.
Instant card blocking in case of card loss or theft & PIN security
Insurance That Brings Assurance
Things to know
How to apply
- Enter personal details
- Enter professional details
- Complete Video KYC to verify details
- Open your account
Eligibility
To apply, you must:
- Be a citizen of India
- Be 18 years of age or above
- Not having an existing relationship with us
- Product is available only for customers in select AU branches
Fees and charges
- Average Monthly Balance: INR 5,000
- Annual Debit Card Fees: ₹200
- For more details, please refer to our Service Fee Reckoner
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]()
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
AU Swadesh Savings Account FAQs
What is an AU Swadesh Savings Account?
With the Swadesh Savings Account you can embrace a brighter and prosperous future with the power of savings tailored for you. Enjoy high interest rates with monthly interest payouts.
But that’s not all, every spend through debit card & AU 0101 app can yield more savings for you with up to 5% cashback (Max. INR 1,000 per month.)
What is the product criteria for an AU Swadesh Savings Account?
AU Swadesh Savings account provides you the flexibility to maintain balances in Savings accounts or Fixed Deposits. You can maintain an average quarterly balance of INR 10,000 in your Savings Account or have a fixed deposit of INR 1 lakhs.
On what debit card transactions will I get cashback?
A customer will get 5% cashback on all his/her transactions done via debit card and on recharges/ bill payments done through AU 0101, which will be capped at INR 1000 p.m. Fuel transactions will be capped at INR 10,000.
Product eligibility criteria needs to be maintained for the cashback. If a customer does not maintain the product criteria for any particular quarter, then the customer shall not be eligible for cashback in the subsequent quarter.
How can I open an AU Swadesh Savings Account?
This account can be opened in select AU Small Finance branches only.
What are the charges for cash deposit and cash withdrawal in AU Swadesh Savings Account?
Cash deposit limit is 3.5 Lakh and Unlimited cash withdrawal in AU Swadesh Savings Account.
