W.e.f 5th Apr 2026, the service fees on your AU a/c have been revised. To learn more about updated service fees click here

Service Fees and Charges

Download PDF for all Savings Account service fees and charges

Service Fee applicable from 5th Apr 2026

Account Type

AU Value Savings Account

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Urban Branches: INR 10,000 or Fixed Deposit of INR 1,00,000 Core Branches: INR 5,000 or Fixed Deposit of INR 50,000
Fees For Non-Maintainence Of Balance Per Month	Urban Branches: 6% Of Shortfall; Maximum INR 600 Core Branches: 6% Of Shortfall; Maximum INR 300

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Free Financial Transactions A Month at AU SFB ATM
Unlimited Online Payments - RTGS, NEFT, UPI, Intra Bank Fund Transfer
Free Cash Deposit Of Up To 5 Transactions Or INR 2 Lakhs Per Month, Whichever Is Earlier
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement
5 Free Transactions A Month at Non AU SFB ATM

Debit Card

PARAMETERS	PARTICULARS
Card^#	AU Gold
Annual Fees^#	INR 349
Transactions at Non AU SFB ATM Within India	Post 5 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATMs
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates.
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 5^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Eligibility Criteria	Net Monthly Salary Credit up to INR 30,000
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA In Case Of No Salary Credits For 3 Consecutive Months, The Account Will Be Closed/Converted Under Due Communication and as Per Bank Policy The Following Month

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Debit Card Transactions at any AU SFB ATM
5 Free Debit Card Transactions as Month at Non AU SFB ATM
Unlimited Online Payments - RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement

Debit Card

PARAMETERS	PARTICULARS
Card^#	Platinum
Annual Fees^#	1st Year - Free; 2nd Year Onwards - INR 349
Transactions at Non AU SFB ATM Within India	Post 5 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	NIL
Fees For Non-Maintainence Of Balance Per Month	Not Applicable

Free Services

PARAMETERS
Debit Card Annual Fees
Unlimited debit card transactions at AU SFB ATM and other bank ATM
10 visits per month are free for pick-up or delivery of instruments
ATM decline due to insufficient funds is free at AU SFB ATM
2 visits per month are free for cash pick up or delivery
Unlimited DDs payable at AU SFB locations and at correspondent bank locations
Stop cheque through Net / Mobile / Phone Banking
Local cheque collections at AU SFB locations
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Issuance of Monthly and Half Yearly E-mail statement
SMS Alerts
Free cash deposit of up to 7 transactions or INR 5 Lakhs per month, whichever is earlier
Unlimited Cash Withdrawal at any AU SFB Branch

Debit Card

PARAMETERS	PARTICULARS
Card	AU Royale Debit Card
Transactions at non AU SFB ATM within India	NiL
Annual Fees	NiL
Transactions at AU SFB ATM	Unlimited
Transactions at other bank ATM outside India	INR 150 / instance for financial transactions, INR 25 / instance for non-financial transactions
ATM declines due to insufficient funds (Within / Outside India)	INR 25 / instance for other bank ATM
Replacement of lost / stolen card	INR 200 / instance
Cross Currency Mark-up (When you use your debit card for international transactions, a certain mark -up fee is levied on the amount)	1.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All branches	Free up to 7 transactions or INR 5 Lakhs per month whichever is earlier. Post which INR 5 / 1000 (min. INR 100)
RTGS carried out at branch	NIL
NEFT carried out at branch	NIL
IMPS Online	NIL
Deposit of Low Denomination Note and Coins - Per Day (Currency Note of INR 50 & below)	NA
Pick-up or delivery of instruments	10 free visits / month, thereafter INR 100 / visit
Cash Pick-up / Delivery^	2 Visits Per Month Are Free, Thereafter On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation of DD	INR 100 / instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction issued (such as an Inward cheque / ECS / NACH) from your account, returned due to insufficient funds	1st transaction - INR 500; thereafter - INR 550
Standing Instructions failure due to insufficient funds	NIL
Return handling charges for other bank cheques deposited in your account but returned (Local / Outstation)	INR 200 / cheque
Stop payment of cheques - Branch	INR 50 / instruction
Retrieval of cheque / instruction	INR 50 / cheque
SMS Alerts*	NIL
AEPS mini statement	NIL
Account Closure fees	Free
Charges for statement printout at branches	NIL

Delivery Fees

PARAMETERS	PARTICULARS
Outstation cheque collection - corresponding & other bank locations	INR 50 charged towards delivery fees
DD payable at AU SFB locations - Net / Mobile Banking	INR 50 charged towards delivery fees
Issuance of adhoc account statement dispatched to your address through courier	INR 50 charged towards delivery fees
Issuance of subsequent cheque Book	NIL

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified
NIL AMB and the debit card annual fee waiver are applicable for customers under the Royale Chartered Accountants and Royale Company Secretaries programs, as well as their eligible family members grouped under Family Banking

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	NIL
Fees For Non-Maintainence Of Balance Per Month	Not Applicable

Free Services

PARAMETERS
Debit Card Annual Fees
Unlimited debit card transactions at AU SFB ATM and other bank ATM
10 visits per month are free for pick-up or delivery of instruments
ATM decline due to insufficient funds is free at AU SFB ATM
2 visits per month are free for cash pick up or delivery
Unlimited DDs payable at AU SFB locations and at correspondent bank locations
Stop cheque through Net / Mobile / Phone Banking
Local cheque collections at AU SFB locations
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Issuance of Monthly and Half Yearly E-mail statement
SMS Alerts
Free cash deposit of up to 7 transactions or INR 5 Lakhs per month, whichever is earlier
Unlimited Cash Withdrawal at any AU SFB Branch

Debit Card

PARAMETERS	PARTICULARS
Card	AU Royale Debit Card
Transactions at non AU SFB ATM within India	NiL
Annual Fees	NiL
Transactions at AU SFB ATM	Unlimited
Transactions at other bank ATM outside India	INR 150 / instance for financial transactions, INR 25 / instance for non-financial transactions
ATM declines due to insufficient funds (Within / Outside India)	INR 25 / instance for other bank ATM
Replacement of lost / stolen card	INR 200 / instance
Cross Currency Mark-up (When you use your debit card for international transactions, a certain mark -up fee is levied on the amount)	1.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All branches	Free up to 7 transactions or INR 5 Lakhs per month whichever is earlier. Post which INR 5 / 1000 (min. INR 100)
RTGS carried out at branch	NIL
NEFT carried out at branch	NIL
IMPS Online	NIL
Deposit of Low Denomination Note and Coins - Per Day (Currency Note of INR 50 & below)	NA
Pick-up or delivery of instruments	10 free visits / month, thereafter INR 100 / visit
Cash Pick-up / Delivery^	2 Visits Per Month Are Free, Thereafter On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation of DD	INR 100 / instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction issued (such as an Inward cheque / ECS / NACH) from your account, returned due to insufficient funds	1st transaction - INR 500; thereafter - INR 550
Standing Instructions failure due to insufficient funds	NIL
Return handling charges for other bank cheques deposited in your account but returned (Local / Outstation)	INR 200 / cheque
Stop payment of cheques - Branch	INR 50 / instruction
Retrieval of cheque / instruction	INR 50 / cheque
SMS Alerts*	NIL
AEPS mini statement	NIL
Account Closure fees	Free
Charges for statement printout at branches	NIL

Delivery Fees

PARAMETERS	PARTICULARS
Outstation cheque collection - corresponding & other bank locations	INR 50 charged towards delivery fees
DD payable at AU SFB locations - Net / Mobile Banking	INR 50 charged towards delivery fees
Issuance of adhoc account statement dispatched to your address through courier	INR 50 charged towards delivery fees
Issuance of subsequent cheque Book	NIL

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified
NIL AMB and the debit card annual fee waiver are applicable for customers under the Royale Chartered Accountants and Royale Company Secretaries programs, as well as their eligible family members grouped under Family Banking

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Urban Branches: INR 10,000 or Fixed Deposit of INR 1,00,000 Core Branches: INR 5,000 or Fixed Deposit of INR 50,000
Fees For Non-Maintainence Of Balance Per Month	Urban Branches: 6% Of Shortfall; Maximum INR 600 Core Branches: 6% Of Shortfall; Maximum INR 300

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Free Financial Transactions a Month at AU SFB ATM
SMS Alerts
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited Online Payments – RTGS, NEFT, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement
5 Free Transactions a Month at Non AU SFB ATM

Debit Card

PARAMETERS	PARTICULARS
Card^#	AU Gold
Annual Fees^#	INR 349
Transactions at Non AU SFB ATM Within India	Post 5 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
^#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Urban Branches: INR 10,000 or Fixed Deposit of INR 1,00,000 Core Branches: INR 5,000 or Fixed Deposit of INR 50,000
Fees For Non-Maintainence Of Balance Per Month	Urban Branches: 6% Of Shortfall; Maximum INR 600 Core Branches: 6% Of Shortfall; Maximum INR 300

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB ATM
SMS Alerts
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement
10 Free Transactions A Month at Non AU SFB ATM

Debit Card

PARAMETERS	PARTICULARS
Card^#	AU Gold
Annual Fees^#	INR 349
Transactions at Non AU SFB ATM Within India	Post 10 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	5 Visits Per Month Free, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	INR 1,000 or Fixed Deposit of INR 5,000
Fees For Non-Maintainence Of Balance Per Month	₹50 (Monthly pro-rata)

Free Services

PARAMETERS
10 Free Financial Transactions a Month at AU SFB ATM
5 Free Transactions a Month at Non-AU SFB ATM
Unlimited Free Non-Financial Transactions at AU SFB ATM
Free Cash Deposit Of Up To 5 Transactions Or INR 2 Lakhs Per Month, Whichever Is Earlier
Unlimited cash withdrawal at any AU SFB Branch

Debit Card

PARAMETERS	PARTICULARS
Card	RuPay Classic
Annual Fees	INR 349
Transactions at Non-AU SFB ATM Within India	5 Free Transactions per month; post free, INR 23 for financial transactions & INR 10 for non-financial transactions
Transactions at AU SFB ATM	10 Free transactions per month; post free, INR 23 for financial transactions
Transactions at other bank ATM outside India	NA
ATM declines due to insufficient funds (Within / Outside India)	INR 25 / instance for other bank ATM
Replacement of lost / stolen card	INR 200 / instance

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit (All branches) - Free limits	Free upto 5 transactions or INR 2 lakhs per month, whichever is earlier; post free, INR 5 / 1000 (Min. INR 100)
Cash Withdrawal at branches	Unlimited Free
RTGS carried out at branch	Above 2 Lakh: INR 10 / txn
NEFT carried out at branch	Up to 1,00,000: INR 2 / txn; Above 1,00,000: INR 10 / txn
IMPS Online	Up to 10,000: INR 2.5 / txn; >10,000-1 Lakh: INR 5 / txn; >1 Lakh: INR 15 / txn
Pick-up or delivery of instruments	NA
Cash Pick-up / Delivery^	NA
Cancellation / Revalidation of DD	NA

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction issued (such as an Inward cheque / ECS / NACH) from your account, returned due to insufficient funds	1st transaction - INR 500; thereafter - INR 550
Standing Instructions failure due to insufficient funds	INR 100 / instance
Return handling charges for other bank cheques deposited in your account but returned (Local / Outstation)	INR 100 / cheque
Stop payment of cheques - Branch	INR 50 / instruction
Retrieval of cheque / instruction	NA
SMS Alerts*	INR 30 ps. Per SMS charge, max cap at INR 15/qtr (only non-mandatory SMS)
AEPS mini statement - Post free transactions	NA
Account Closure fees	Nil
Charges for statement printout at branches	NA

Delivery Fees

PARAMETERS	PARTICULARS
Outstation cheque collection - corresponding & other bank locations	NA
DD payable at AU SFB locations - Net / Mobile Banking	NA
Issuance of adhoc account statement dispatched to your address through courier	NA
Issuance of subsequent cheque Book	INR 50 / instance

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	Nil

Free Services

PARAMETERS
10 Free Financial Transactions a Month at AU SFB ATM
5 Free Transactions a Month at Non-AU SFB ATM
Unlimited Free Non-Financial Transactions at AU SFB ATM
Free Cash Deposit Of Up To 2 Transactions Or INR 1 Lakhs Per Month, Whichever Is Earlier
Unlimited cash withdrawal at any AU SFB Branch

Debit Card

PARAMETERS	PARTICULARS
Card	RuPay Classic
Annual Fees	INR 100
Transactions at Non-AU SFB ATM Within India	5 Free Transactions per month; post free, INR 23 for financial transactions & INR 10 for non-financial transactions
Transactions at AU SFB ATM	10 Free transactions per month; post free, INR 23 for financial transactions
Transactions at other bank ATM outside India	NA
ATM declines due to insufficient funds (Within / Outside India)	INR 25 / instance for other bank ATM
Replacement of lost / stolen card	INR 300 / instance

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit (All branches) - Free limits	Free upto 2 transactions or INR 1 lakh per month, whichever is earlier; post which INR 5 / 1000 (Min. INR 100)
Cash Withdrawal at branches	Unlimited Free
RTGS carried out at branch	First 6 transactions free; thereafter above 2 Lakh: INR 10 / txn
NEFT carried out at branch	First 6 transactions free; thereafter Up to 1,00,000: INR 2 / txn; Above 1,00,000: INR 10 / txn
IMPS Online	First 6 transactions free; thereafter Up to 10,000: INR 2.5 / txn; >10,000-1 Lakh: INR 5 / txn; >1 Lakh: INR 15 / txn
Pick-up or delivery of instruments	NA
Cash Pick-up / Delivery^	NA
Cancellation / Revalidation of DD	NA

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction issued (such as an Inward cheque / ECS / NACH) from your account, returned due to insufficient funds	NA
Standing Instructions failure due to insufficient funds	NA
Return handling charges for other bank cheques deposited in your account but returned (Local / Outstation)	INR 100 / cheque
Stop payment of cheques - Branch	NA
Retrieval of cheque / instruction	NA
SMS Alerts*	INR 30 ps. Per SMS charge, max cap at INR 15/qtr (only non-mandatory SMS)
AEPS mini statement - Post free transactions	NA
Account Closure fees	Nil
Charges for statement printout at branches	NA

Delivery Fees

PARAMETERS	PARTICULARS
Outstation cheque collection - corresponding & other bank locations	NA
DD payable at AU SFB locations - Net / Mobile Banking	NA
Issuance of adhoc account statement dispatched to your address through courier	NA
Issuance of subsequent cheque Book	NA

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Free Financial Transactions a Month at AU SFB ATM
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited Online Payments – RTGS, NEFT, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement
10 Free Transactions a Month at Non AU SFB ATM

Debit Card

PARAMETERS	PARTICULARS
Card^#	AU Gold
Annual Fees^#	INR 349
Transactions at Non AU SFB ATM Within India	Post 10 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	NA
Cash Pick-Up / Delivery^	NA
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Free Financial Transactions a Month at AU SFB ATM
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited Online Payments – RTGS, NEFT, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement
10 Free Transactions a Month at Non AU SFB ATM

Debit Card

PARAMETERS	PARTICULARS
Card	RuPay Platinum
Annual Fees	INR 200
Transactions at Non AU SFB ATM Within India	Post Free Transactions, INR 23 For Financial Transactions and INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 100 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	NA
Cash Pick-Up / Delivery^	NA
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	INR 500 / Instance
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 100 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARAMETERS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
This SOC document is effective 1^st May 2025 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
20 Free Financial Transactions a Month at AU SFB ATM
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
5 Free Transactions A Month at Non AU SFB ATM
Free Cash Deposit Of Up To 5 Transactions Or INR 2 Lakhs Per Month, Whichever Is Earlier
Issuance Of Monthly and Half Yearly E-Mail Statement

Debit Card

PARAMETERS	PARTICULARS
Card^#	Domestic RuPay Classic
Annual Fees^#	INR 149
Transactions at Non AU SFB ATM Within India	Post 5 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 20 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	NA
Cash Pick-Up / Delivery^	NA
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil For M + 6 Months INR 100 / Instance Post M + 6 Months (Where 'M' Is The Month Of Account Opening)
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Urban Branches: INR 10,000 Or Fixed Deposit Of INR 1,00,000

Core Branches: INR 5,000 Or Fixed Deposit Of INR 50,000

Minimum Average Half Yearly Balance (AHB) - INR 50,000

Fees For Non-Maintainence Of Balance Per Month

Urban Branches: 6% Of Shortfall; Maximum INR 600

Core Branches: 6% Of Shortfall; Maximum INR 300

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Free Financial Transactions a Month at AU SFB ATM
10 Free Transactions A Month at Non AU SFB ATM
SMS Alerts
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable At AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Issuance Of Monthly and Half Yearly E-Mail Statement

Debit Card

PARAMETERS	PARTICULARS
Card^#	Visa Platinum
Annual Fees^#	INR 499
Transactions at Non AU SFB ATM Within India	Post 10 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / instance for financial transactions, INR 25 / instance for non-financial transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 3 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1st transaction - INR 500; thereafter - INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Urban Branches: INR 10,000 Or Fixed Deposit Of INR 1,00,000

Core Branches: INR 5,000 Or Fixed Deposit Of INR 50,000

Minimum Average Half Yearly Balance (AHB) - INR 1,00,000

Fees For Non-Maintainence Of Balance Per Month

Urban Branches: 6% Of Shortfall; Maximum INR 600

Core Branches: 6% Of Shortfall; Maximum INR 300

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Free Financial Transactions a Month at AU SFB ATM
15 Free Transactions A Month at Non AU SFB ATM
SMS Alerts
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable At AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Issuance Of Monthly and Half Yearly E-Mail Statement

Debit Card

PARAMETERS	PARTICULARS
Card^#	Visa Platinum
Annual Fees^#	INR 499
Transactions at Non AU SFB ATM Within India	Post 15 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / instance for financial transactions, INR 25 / instance for non-financial transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 5 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	5 Visits Per Month Free, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1st transaction - INR 500; thereafter - INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 5^th Apr 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Urban Branches: INR 10,000 Or Fixed Deposit Of INR 1,00,000

Core Branches: INR 5,000 Or Fixed Deposit Of INR 50,000

Minimum Average Half Yearly Balance (AHB) - INR 5,00,000

Fees For Non-Maintainence Of Balance Per Month

Urban Branches: 6% Of Shortfall; Maximum INR 600

Core Branches: 6% Of Shortfall; Maximum INR 300

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM
Debit Card Annual Fees
SMS Alerts
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable At AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Issuance Of Monthly and Half Yearly E-Mail Statement
Free Cash Desposit Of Up To 7 Transactions Or INR 5 Lakhs Per Month Whichever Is Earlier

Debit Card

PARAMETERS	PARTICULARS
Card	Visa Platinum
Annual Fees	Nil
Transactions at Non AU SFB ATM Within India	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	INR 150 / instance for financial transactions, INR 25 / instance for non-financial transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 7 Transactions Or INR 5 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	10 Visits Per Month Free, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction - INR 500; thereafter - INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Nil

Balance at Any Point In Time Cannot Exceed INR 50,000

Fees For Non-Maintainence Of Balance Per Month

Free Services

PARAMETERS
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Debit Card Annual Fees
Cash Deposit - All Branches (Maximum Limit Of INR 1,00,000 During a FY)
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Passbook Issuance
Local Cheque Collections at AU SFB Locations
Stop Cheque Through Net / Mobile / Phone Banking
Issuance Of Monthly and Half-Yearly E-Mail Statement
Only 4 Free Withdrawals are Allowed Per Month Through Cash Withdrawal (Branch / ATM), NEFT / RTGS (Branch / Online), IMPS, Clearing Fund Transfers, Internet Debits, Standing Instructions, EMI, POS Transactions, etc. (Value Of all The Withdrawals Should Not Exceed INR 10,000 P.M.) 5th Withdrawal Onwards, The Charge Will Be Applicable As Per Nature And Mode Of That Particular Withdrawal As Defined Value Of All Credits In The Account During The Financial Year Should Not Exceed INR 1,00,000

Debit Card

PARAMETERS	PARTICULARS
Card	Domestic RuPay Classic
Annual Fees	Nil
Transactions at Non AU SFB ATM Within India	Post Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	NA

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	All Branches (Maximum Limit Of INR 1,00,000 During A FY)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	INR 2 / Transaction
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Upto INR 50,000 - INR 750
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	NA
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	Free
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Online Payments – RTGS, NEFT (Online)
Debit Card Annual Fees
Cash Deposit & Withdrawals- All Branches
4 Free IMPS Online Transactions
4 Free Financial + 4 Non-Financial Transactions Per Month at Non AU SFB ATM
4 Free Financial Transactions Per Month and Unlimited Non-Financial Transactions at AU SFB ATM
Passbook Issuance
Local Cheque Collections at AU SFB Locations
Stop Cheque Through Net / Mobile / Phone Banking
Issuance Of Monthly and Half-Yearly E-Mail Statement

Debit Card

PARAMETERS	PARTICULARS
Card	Domestic RuPay Classic
Annual Fees	Nil
Transactions at Non AU SFB ATM Within India	Post 4 Financial + 4 Non-Financial Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 4 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Unlimited
RTGS Carried out at Branch	First 4 Transaction Free; Thereafter INR 10 Per Transaction
NEFT Carried out at Branch	First 4 Transaction Free; Thereafter Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	First 4 Transaction Free; Thereafter Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	Free
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

INR 25,000

(Across Family Savings Account)

Fees For Non-Maintainence Of Balance Per Month

Nil For (M + 1) Month

(Where M Is Account Opening Month)

All Branches -

6% Of Shortfall, Maximum INR 600

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
25 Free Financial Transactions a Month at AU SFB ATM
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited Online Payments – RTGS, NEFT, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
5 Visits Per Month are Free For Pickup Or Delivery Of Instruments
10 Free Transactions a Month at Non AU SFB ATM
Issuance Of Monthly and Half Yearly E-Mail Statement
Free Cash Deposit Of Up To 5 Transactions Or INR 3.5 Lakhs Per Month, Whichever Is Earlier
Passbook Issuance

Debit Card

PARAMETERS	PARTICULARS
Card^#	AU Platinum Debit Card
Annual Fees^#	INR 499
Transactions at Non AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 25 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 3.5 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Up to 10,000 – INR 2.5 Above 10,000 to 1 lakh – INR 5 Above 1,00,000 – INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit Beyond Free Limit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Eligibility Criteria

Net Monthly Salary Credit of >= INR 30,000

Minimum Average Monthly Balance (AMB)

Nil

Fees For Non-Maintainence Of Balance Per Month

In Case Of No Salary Credits For 3 Months, The Account Will Be

Closed/Converted Under Due Communication And As Per Bank

Policy The Following Month

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM
Unlimited Online Payments – RTGS, NEFT, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement
SMS Alerts

Debit Card

PARAMETERS	PARTICULARS
Card^#	Platinum
Annual Fees^#	Nil
Transactions at Non AU SFB ATM Within India	Unlimited
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 3.5 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	Free
NEFT Carried out at Branch	Free
IMPS Online	Up to 10,000 – INR 2.5 Above 10,000 to 1 lakh – INR 5 Above 1,00,000 – INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	2 Visits Free Per Month, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

INR 1 Lakh Or INR 20 Lakhs In Fixed Deposits (Tenure >= 6 Months)

(Across Family Savings Account)

Fees For Non-Maintainence Of Balance Per Month

Nil For (M + 3) Months

(Where M Is Account Opening Month)

All Branches -

6% Of Shortfall, Maximum INR 600

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM
10 Visits Per Month are Free For Pick-Up Or Delivery Of Instruments
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
2 Visits Per Month Are Free For Cash Pick Up Or Delivery
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Issuance Of Monthly and Half Yearly E-Mail Statement
SMS Alerts
Free Cash Deposit Of Up To 7 Transactions Or INR 5 Lakhs Per Month, Whichever Is Earlier

Debit Card

PARAMETERS	PARTICULARS
Card^#	AU Royale Debit Card
Annual Fees^#	INR 499
Transactions at Non AU SFB ATM Within India	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	2.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 7 Transactions Or INR 5 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	10 Visits Free Per Month, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	2 Visits Per Month Are Free, Thereafter On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	Free
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Net Monthly salary credit of >= INR 1 Lakh; or Average Monthly Balance (AMB) of INR 1 Lakh at the group level or INR 20 Lakhs in Fixed Deposit (tenure >= 6 months) at the group level

Fees For Non-Maintainence Of Balance Per Month

NIL for M + 3 months (where M is the month of account opening)

NIL on receiving Monthly Salary credits

If Salary credit is not received in the primary account or if balance maintained at group level is lesser than the requirement, then the primary relationship will be charged 6% of the shortfall amount of AMB; Max - INR 600

Free Services

PARAMTERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM
10 Visits Per Month are Free For Pick-Up Or Delivery Of Instruments
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
2 Visits Per Month Are Free For Cash Pick Up Or Delivery
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Issuance Of Monthly and Half Yearly E-Mail Statement
SMS Alerts
Debit Card Annual Fees

Debit Card

PARAMETERS	PARTICULARS
Card	AU Royale Debit Card
Annual Fees	Nil
Transactions at Non AU SFB ATM Within India	Unlimited
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	2.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 7 Transactions Or INR 5 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	10 Visits Free Per Month, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	2 Visits Per Month Are Free, Thereafter On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
AEPS Mini Statement	Free
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
AU Royale Salary Account not receiving salary credits for consecutive 3 months will be converted into AU Royale Savings Account as per eligibility if AMB of more than INR 1 Lakh (Royale AMB) is maintained with customer consent; or will be downgraded to AU Salary / Savings Account variant as per eligibility. Customer can also exit the program by submitting a request and consent for exiting in the prescribed format. Similar treatment will be applicable to the Family Savings Accounts opened under the program
Maintaining the required balance can be fulfilled by either meeting the Average Monthly Balance (AMB) criteria or Fixed Deposits (FD) criteria.
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Free Financial Transactions a Month at AU SFB ATM
Unlimited Online Payments – RTGS, NEFT, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local and Outstation Cheque Collections at AU SFB Locations
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
5 Free Transactions a Month at Non AU SFB ATM
Free Cash Deposit Of Up To 5 Transactions Or INR 1 Lakh Per Month, Whichever Is Earlier
Issuance Of Monthly and Half Yearly E-Mail Statement

Debit Card

PARAMETERS	PARTICULARS
Card^#	RuPay Platinum
Annual Fees^#	INR 499
Transactions at Non AU SFB ATM Within India	Post 5 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 1 Lakhs Per Month Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh - INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Average Monthly Balance (AMB) Of INR 10 Lakhs In Savings Account OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Current Account OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Savings Account And Current Account OR

Total Relationship Value (TRV) Of INR 30 Lakhs OR

Net Salary Credit of INR 2 Lakhs per month

(TRV Includes Savings Account Average Monthly Balance + Current Account Average Monthly Balance + Fixed Deposit Balance + Mutual Fund AUM With AU SFB)

Fees For Non-Maintainence Of Balance Per Month

Nil

(However, Customers Not Meeting The Program Eligibility Criteria For Six Consecutive Months Will Be Converted To a Lower Variant)

Free Services

PARAMETERS
Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM
ATM Decline Due To Insufficient Funds at any Bank’s ATM Within / Outside India
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Fund Transfer via RTGS, NEFT, UPI & IMPS Through Digital & Branch Banking
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Cancellation / Revalidation Of Demand Draft
Issuance Of Subsequent Cheque Book
Complimentary Pickup And Delivery Of Instruments Like Cheque, Demand Draft, Etc
Stop Payment Of Cheques at The Branch / Online
Outstation Cheque Collection On Corresponding & Other Bank Locations
Issuance Of Adhoc Account Statement
Retrieval Of Cheque/Instructions
SMS Alerts
AEPS Mini Statement
Account Closure

Debit Card

PARAMETERS	PARTICULARS
Card	AU Eternity Debit Card
Annual Fees	Nil* *In Case Of AU Eternity Account Closure Or Customer Induced Conversion To Lower Variant, AU Eternity Debit Card Annual Maintenance Charge Of INR 2000 Plus GST Will Be Levied
Transactions at Non AU SFB ATM Within India	Unlimited
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	Nil
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	0.90%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 7 Lakhs. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	Nil
Cash Pick-Up / Delivery	1 Free Visit Of Up To INR 5 Lakhs Per Day, Thereafter On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch Monthly Pick Up & Delivery Service: Upto 2 Lakhs - INR 2000 Per Month INR 2 Lakhs To Less Than INR 5 Lakhs - INR 5000 Per Month INR 5 Lakhs To Less Than INR 10 Lakhs -INR 14000 Per Month Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1st transaction - INR 500; thereafter - INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	First 30 Cheques Free, Thereafter INR 200 / Cheque
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	Nil
DD Payable at AU SFB Locations - Net / Mobile Banking	Nil
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	Nil
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Charges specified are applicable for all products (Savings, Salary, NR & Current Account) under the program unless specified otherwise
As per RBI guidelines, Business/ Commercial transactions are not permitted in savings and salary account
There will be no charges for non-maintenance of program criteria. However, customers not meeting the program eligibility criteria for six consecutive months will be converted to a lower variant
SMS Insta Alerts applicable for Current Account are sent for day end balance / transactions above a threshold / low balance
Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge
Penal charges and non-maintenance charges are not applicable once the account becomes inoperative / dormant
Other Free Services: Standing Instruction Maintenance, Dormancy Activation, Card Hotlisting, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, Account Closure, Email Alerts, Record retrieval, Banker's verification (Address/Signature / Photo)
The above charges are subject to revision with a prior intimation of 30 days to all account holder. Closure of account due to revision of charges will not be subject to account closure charges
Charges mentioned are exclusive of GST. The applicable taxes / cesses are subject to change from time to time
The bank reserve the right to downgrade the account if the customer is not maintaining the required program criteria. Net Salary Credit criteria will be considered only in AU Eternity Salary Account under Primary Group ID
Doorstep Banking service is available at select locations with sole discretion of AU Small Finance Bank. For beyond city limit services, the actual service charges will be applicable to customer on case-to-case basis
For newly opened Current Accounts, cash deposit free limit basis AMB criteria will be applicable effective third month post account opening.eg: for accounts opened in January, cash deposit limit in April will be provided basis March AMB
In case of AU Eternity Account closure or customer induced conversion to lower variant, AU Eternity Debit Card Annual Maintenance Charge of INR 2,000/- plus GST will be levied on the account linked to the card prior to closing or conversion to lower variant
In case of bank induced downgrade due to non-maintenance of program criteria for consecutive 6 months, default Debit Card for lower variant account will be issued, post conversion to lower variant. AU Eternity Debit Card will be auto hot-listed on activating new Debit Card or post 60 days from issuance of new card, whichever is earlier
In case customer holding lower variant account continues to use AU Eternity Debit Card, Annual Maintenance Charge of INR 2,000/- plus GST will be levied on the linked account on card anniversary.
This service document is effective 5^th Apr 2026 and is applicable until further modified
Abbreviations / short-forms used: 'INR'- Indian Rupee, 'txn' transaction, 'p.m' - per month, '<'less than, '>' greater than, 'min' minimum, 'max' maximum. 'ATM' Automatic Teller Machine, 'RTGS' Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'UPI' - Unified Payment Interface, 'PAP' Payable at Par, 'DD' Demand Draft, 'ECS' Electronic Clearing System, 'SMS' Short Message Service, 'NACH' National Automated Clearing House
The terms and conditions, as defined by AU Small Finance Bank (SFB), apply. Please refer www.au.bank.in for further details
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
Standard charges applicable for all other services and products, not listed above

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Net Salary Credit of INR 2 Lakhs per month OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Savings Account OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Current Account OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Savings Account And Current Account OR

Total Relationship Value (TRV) Of INR 30 Lakhs

(TRV Includes Savings Account Average Monthly Balance + Current Account Average Monthly Balance + Fixed Deposit Balance + Mutual Fund AUM With AU SFB)

Fees For Non-Maintainence Of Balance Per Month

Nil

(However, Customers Not Meeting The Program Eligibility Criteria For Six Consecutive Months Will Be Converted To a Lower Variant)

Free Services

PARAMETERS
Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM
ATM Decline Due To Insufficient Funds at any Bank’s ATM Within / Outside India
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Fund Transfer via RTGS, NEFT, UPI & IMPS Through Digital & Branch Banking
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Cancellation / Revalidation Of Demand Draft
Issuance Of Subsequent Cheque Book
Complimentary Pickup And Delivery Of Instruments Like Cheque, Demand Draft, Etc
Stop Payment Of Cheques at The Branch / Online
Outstation Cheque Collection On Corresponding & Other Bank Locations
Issuance Of Adhoc Account Statement
Retrieval Of Cheque/Instructions
SMS Alerts
AEPS Mini Statement
Account Closure

Debit Card

PARAMETERS	PARTICULARS
Card	AU Eternity Debit Card
Annual Fees	Nil* *In Case Of AU Eternity Account Closure Or Customer Induced Conversion To Lower Variant, AU Eternity Debit Card Annual Maintenance Charge Of INR 2000 Plus GST Will Be Levied
Transactions at Non AU SFB ATM Within India	Unlimited
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	Nil
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	0.90%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 7 Lakhs. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	Nil
Cash Pick-Up / Delivery	1 Free Visit Of Up To INR 5 Lakhs Per Day, Thereafter On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch Monthly Pick Up & Delivery Service: Upto 2 Lakhs - INR 2000 Per Month INR 2 Lakhs To Less Than INR 5 Lakhs - INR 5000 Per Month INR 5 Lakhs To Less Than INR 10 Lakhs -INR 14000 Per Month Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1st transaction - INR 500; thereafter - INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	First 30 Cheques Free, Thereafter INR 200 / Cheque
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	Nil
DD Payable at AU SFB Locations - Net / Mobile Banking	Nil
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	Nil
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Charges specified are applicable for all products (Savings, Salary, NR & Current Account) under the program unless specified otherwise
As per RBI guidelines, Business/ Commercial transactions are not permitted in savings and salary account
There will be no charges for non-maintenance of program criteria. However, customers not meeting the program eligibility criteria for six consecutive months will be converted to a lower variant
SMS Insta Alerts applicable for Current Account are sent for day end balance / transactions above a threshold / low balance
Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge
Penal charges and non-maintenance charges are not applicable once the account becomes inoperative / dormant
Other Free Services: Standing Instruction Maintenance, Dormancy Activation, Card Hotlisting, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, Account Closure, Email Alerts, Record retrieval, Banker's verification (Address/Signature / Photo)
The above charges are subject to revision with a prior intimation of 30 days to all account holder. Closure of account due to revision of charges will not be subject to account closure charges
Charges mentioned are exclusive of GST. The applicable taxes / cesses are subject to change from time to time
The bank reserve the right to downgrade the account if the customer is not maintaining the required program criteria. Net Salary Credit criteria will be considered only in AU Eternity Salary Account under Primary Group ID
Doorstep Banking service is available at select locations with sole discretion of AU Small Finance Bank. For beyond city limit services, the actual service charges will be applicable to customer on case-to-case basis
For newly opened Current Accounts, cash deposit free limit basis AMB criteria will be applicable effective third month post account opening.eg: for accounts opened in January, cash deposit limit in April will be provided basis March AMB
In case of AU Eternity Account closure or customer induced conversion to lower variant, AU Eternity Debit Card Annual Maintenance Charge of INR 2,000/- plus GST will be levied on the account linked to the card prior to closing or conversion to lower variant
In case of bank induced downgrade due to non-maintenance of program criteria for consecutive 6 months, default Debit Card for lower variant account will be issued, post conversion to lower variant. AU Eternity Debit Card will be auto hot-listed on activating new Debit Card or post 60 days from issuance of new card, whichever is earlier
In case customer holding lower variant account continues to use AU Eternity Debit Card, Annual Maintenance Charge of INR 2,000/- plus GST will be levied on the linked account on card anniversary.
This service document is effective 5^th Apr 2026 and is applicable until further modified
Abbreviations / short-forms used: 'INR'- Indian Rupee, 'txn' transaction, 'p.m' - per month, '<'less than, '>' greater than, 'min' minimum, 'max' maximum. 'ATM' Automatic Teller Machine, 'RTGS' Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'UPI' - Unified Payment Interface, 'PAP' Payable at Par, 'DD' Demand Draft, 'ECS' Electronic Clearing System, 'SMS' Short Message Service, 'NACH' National Automated Clearing House
The terms and conditions, as defined by AU Small Finance Bank (SFB), apply. Please refer www.au.bank.in for further details
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
Standard charges applicable for all other services and products, not listed above

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

INR 1,000

Fees For Non-Maintainence Of Balance Per Month

6% Of Shortfall, Maximum Of INR 50

(Nil In Case Customer Has Availed Government Scheme {PMJJBY, PMSBY, Or APY} Or Has Received A Credit Of INR 5,000 in a Month)

Free Services

PARAMETRES
Maximum Credit Amount Allowed Per Month in Account - INR 1,00,000
Unlimited Cash Withdrawal at any AU SFB Branch
5 Free Financial Transactions a Month at AU SFB ATM
Unlimited Online Payments – RTGS, NEFT, UPI, Intra Bank Fund Transfer
Free Cash Deposit Of Up To 5 Transactions Or INR 50,000 Per Month Whichever Is Earlier
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile/ Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half-Yearly E-Mail Statement
5 Free Transactions a Month at Non AU SFB ATM

Debit Card

PARAMETERS	PARTICULARS
Card^#	RuPay Classic
Annual Fees^#	INR 200
Transactions at Non AU SFB ATM Within India	Post 5 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 5 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 50,00 Per Month, Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARAMETRES
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
Maximum credit amount allowed per month in account – INR 1,00,000/-
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Quarterly Balance (AQB)

Average Quarterly Balance (AQB) Of INR 25 Lakhs In Savings Account Or

Total Relationship Value (TRV) Of INR 2 Crores

(TRV Includes Savings Account Average Quarterly Balance + Fixed Deposit Balance + Mutual Fund AUM With AU SFB)

Fees For Non-Maintainence Of Balance Per Month

Nil

Debit Card

PARAMETERS	PARTICULARS
Card	AU ivy Debit Card
Annual Fees	Nil* *In Case Of AU ivy Account Downgrade/Closure Basis Customer Consent Within 12 Months Of Program On-Boarding To AU ivy Program, AU ivy Debit Card Charge Of INR 5,000/- Plus GST Will Be Levied
Transactions at Non AU SFB ATM Within India	Unlimited
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	Nil
ATM Declines Due To Insufficient Funds (Within / Outside India)	Nil
Replacement Of Lost / Stolen Card	Nil
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	0%

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Nil
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	Free
Cash Pick-Up / Delivery	Free
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	Nil
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	Nil
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	Nil
DD Payable at AU SFB Locations - Net / Mobile Banking	Nil
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	Nil
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICUALRS
Fees mentioned are exclusive of GST. The applicable taxes/cess are subject to change from time to time
As per RBI guidelines, business/commercial transactions are not permitted in the Savings and Salary Account
The above fees are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of fees will not be subject to account closure fees
Penal charges and non-maintenance fees are not applicable once the account becomes inoperative/dormant
Other Free Services include Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hotlisting, Replacement of Damaged/Lost/Stolen Cards, Duplicate Statements. Balance Enquiry, E-mail Alerts,
Banker's verification (Address/Signature/Photo), Nomination Facility, Utility Bill payment through Net Banking/AU0101 App, Passbook issuance, DD Revalidation, Charge Slip Retrieval, PIN Generation Account closure & Debit card Reissuance
Abbreviations/Short-forms used: "INR- Indian Rupee, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, NEFT - National Electronic Fund Transfer, 'DD-Demand Draft, ECS -Electronic Clearing System, 'SMS'-Short Message Service, 'IMPS - Immediate Payment Service, 'AEPS' Aadhaar Enabled Payment System. 'NACH' National Automated Clearing House, 'UPI Unified Payments Interface. 'NRO' Non-Resident Ordinary, 'NRE' Non-Resident External
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 years shall be treated as inoperative/dormant account. The service charges levied by the bank or the interest credited by the bank shall not be considered 'customer-induced transaction'.
Doorstep banking facility is available at select locations only and will be offered at the sole discretion of AU Small Finance Bank. Incidental charges on these extended services shall be applicable
The account will be downgraded in case of non-maintenance of program eligibility criteria for 2 consecutive quarters. The Terms and Conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank in for further details
In case of AU ivy account downgrade/closure basis customer consent within 12 months of program on-boarding to AU ivy program, AU ivy Debit Card charge of INR 5,000/- plus GST will be levied on the account linked to the card prior to closing or downgrading the accounts(s)
In case of bank induced downgrade due to non-maintenance of program criteria for consecutive 2 quarters, a default AU Debit Card for lower variant account will be issued, post conversion to lower variant. AU ivy Debit Card will be auto hot-listed on activating new Debit Card or post 60 days from issuance of new Debit Card, whichever is earlier
In case customer holding lower variant account continues to use AU ivy Debit Card, Debit Card charge of INR 5,000/- plus GST will be levied on the linked account on card anniversary
Standard charges applicable for all other services and products, not listed above
This SOC document is effective July 1, 2025 or later and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Quarterly Balance (AQB)

Net Salary Credit >= Rs. 5 Lakhs Per Month Or

Average Quarterly Balance (AQB) Of INR 25 Lakhs In Savings Account Or

Total Relationship Value (TRV) Of INR 2 Crores

(TRV Includes Savings Account Average Quarterly Balance + Fixed Deposit Balance + Mutual Fund AUM With AU SFB)

Fees For Non-Maintainence Of Balance Per Month

Nil

Debit Card

PARAMETERS	PARTICULARS
Card	AU ivy Debit Card
Annual Fees	Nil* *In Case Of AU ivy Account Downgrade/Closure Basis Customer Consent Within 12 Months Of Program On-Boarding To AU ivy Program, AU ivy Debit Card Charge Of INR 5,000/- Plus GST Will Be Levied
Transactions at Non AU SFB ATM Within India	Unlimited
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	Nil
ATM Declines Due To Insufficient Funds (Within / Outside India)	Nil
Replacement Of Lost / Stolen Card	Nil
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	0%

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Nil
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	Free
Cash Pick-Up / Delivery	Free
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	Nil
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	Nil
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	Nil
DD Payable at AU SFB Locations - Net / Mobile Banking	Nil
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	Nil
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICUALRS
Fees mentioned are exclusive of GST. The applicable taxes/cess are subject to change from time to time
As per RBI guidelines, business/commercial transactions are not permitted in the Savings and Salary Account
The above fees are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of fees will not be subject to account closure fees
Penal charges and non-maintenance fees are not applicable once the account becomes inoperative/dormant
Other Free Services include Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hotlisting, Replacement of Damaged/Lost/Stolen Cards, Duplicate Statements. Balance Enquiry, E-mail Alerts,
Banker's verification (Address/Signature/Photo), Nomination Facility, Utility Bill payment through Net Banking/AU0101 App, Passbook issuance, DD Revalidation, Charge Slip Retrieval, PIN Generation Account closure & Debit card Reissuance
Abbreviations/Short-forms used: "INR- Indian Rupee, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, NEFT - National Electronic Fund Transfer, 'DD-Demand Draft, ECS -Electronic Clearing System, 'SMS'-Short Message Service, 'IMPS - Immediate Payment Service, 'AEPS' Aadhaar Enabled Payment System. 'NACH' National Automated Clearing House, 'UPI Unified Payments Interface. 'NRO' Non-Resident Ordinary, 'NRE' Non-Resident External
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 years shall be treated as inoperative/dormant account. The service charges levied by the bank or the interest credited by the bank shall not be considered 'customer-induced transaction'.
Doorstep banking facility is available at select locations only and will be offered at the sole discretion of AU Small Finance Bank. Incidental charges on these extended services shall be applicable
The account will be downgraded in case of non-maintenance of program eligibility criteria for 2 consecutive quarters. The Terms and Conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank in for further details
In case of AU ivy account downgrade/closure basis customer consent within 12 months of program on-boarding to AU ivy program, AU ivy Debit Card charge of INR 5,000/- plus GST will be levied on the account linked to the card prior to closing or downgrading the accounts(s)
In case of bank induced downgrade due to non-maintenance of program criteria for consecutive 2 quarters, a default AU Debit Card for lower variant account will be issued, post conversion to lower variant. AU ivy Debit Card will be auto hot-listed on activating new Debit Card or post 60 days from issuance of new Debit Card, whichever is earlier
In case customer holding lower variant account continues to use AU ivy Debit Card, Debit Card charge of INR 5,000/- plus GST will be levied on the linked account on card anniversary
Standard charges applicable for all other services and products, not listed above
This SOC document is effective July 1, 2025 or later and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Quarterly Balance (AQB)

INR 2,000 Or Fixed Deposit Of INR 25,000

Fees For Non-Maintainence Of Balance Per Month

6% Of Shortfall, Maximum Of INR 100

Non Maintenance Charges Will Be Waived Off If The Customer Has An Active Loan With AU SFB

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
25 Free Financial Transactions a Month at AU SFB ATM
Unlimited Online Payments - RTGS, NEFT, UPI, Intra Bank Fund Transfer
Free Cash Deposit Of Up To 5 Transactions Or INR 2 Lakhs Per Month, Whichever Is Earlier
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement
5 Free Transactions a Month at Non AU SFB ATM

Debit Card

PARAMETERS	PARTICULARS
Card^#	RuPay Classic
Annual Fees^#	INR 349
Transactions at Non AU SFB ATM Within India	Post 5 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 25 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month, Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 /Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	INR 5,000 Or Fixed Deposit Of INR 50,000
Fees For Non-Maintainence Of Balance Per Month	6% Of Shortfall, Maximum Of INR 300

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
10 Free Financial Transactions a Month at AU SFB ATM.
Unlimited Online Payments - RTGS, NEFT, UPI, Intra Bank Fund Transfer
Free Cash Deposit Of Up To 5 Transactions Or INR 2 Lakhs Per Month, Whichever Is Earlier
ATM Decline Due To Insufficient Funds Is Free at AU SFB ATM
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half Yearly E-Mail Statement
5 Free Transactions a Month at Non AU SFB ATM
Passbook Issuance

Debit Card

PARAMETERS	PARTICULARS
Card^#	RuPay Platinum
Annual Fees^#	INR 499
Transactions at Non AU SFB ATM Within India	Post 5 Free Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To 5 Transactions Or INR 2 Lakhs Per Month, Whichever Is Earlier. Post Which INR 5 / 1000 (Min. INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	INR 10,000 (NRE + NRO)
Fees For Non-Maintainence Of Balance Per Month	6% Of Shortfall, Maximum Of INR 600

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Stop Cheque Through Net / Mobile / Phone Banking
SMS Alerts
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half-Yearly E-Mail Statement
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations

Debit Card

PARAMETERS	PARTICULARS
Card	RuPay Classic
Transactions at Non AU SFB ATM Within India	Post 15 Free Transactions, INR 23 Per Transaction For Financial Transaction and INR 10 Per Transaction For Non-Financial Transaction
Annual Fees	INR 299
Transactions at AU SFB ATM	Post 10 Free Transactions, INR 23 Per Transaction For Financial Transactions
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	NA

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	5 Transactions Or INR 5 Lakh Free Per Month Whichever Is Earlier. Post Which INR 5/1000 (Min. 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	10 Visits / Month Free, INR 100 / Visit Thereafter
Cash Pick-Up / Delivery^	On Call Service: 10 Free Visit Per Month, Thereafter- Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	INR 500 / Instance
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 /Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 charged towards delivery fees
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
This SOC document is effective 1^st Oct 2025 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

INR 1,00,000 (NRE + NRO)

Fees For Non-Maintainence Of Balance Per Month

Nil For M + 3 Months

(Where M Is The Month Of Account Opening)

6% Of Shortfall, Maximum Of INR 600

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB ATM
Stop Cheque Through Net / Mobile / Phone Banking
SMS Alerts
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half-Yearly E-Mail Statement
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations

Debit Card

PARAMETERS	PARTICULARS
Card	Visa Platinum
Transactions at Non AU SFB ATM Within India	15 Free A Month / Thereafter INR 23 For Financial Transactions & INR 10 For Non Financial Transaction
Annual Fees	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	INR 100 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	Free at AU SFB ATM, INR 25 / Instance For Others
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Not Allowed
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit (Local)
Cash Pick-Up / Delivery^	NA
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	INR 500 / Instance
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	Nil
Account Closure Fees	Nil
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 charged towards delivery fees
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
This SOC document is effective 1^st Oct 2025 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

INR 1,00,000 (NRE + NRO)

Fees For Non-Maintainence Of Balance Per Month

Nil For M + 3 Months

(Where M Is The Month Of Account Opening)

6% Of Shortfall, Maximum Of INR 600

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB ATM
Stop Cheque Through Net / Mobile / Phone Banking
SMS Alerts
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half-Yearly E-Mail Statement
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations

Debit Card

PARAMETERS	PARTICULARS
Card	Domestic RuPay Platinum
Transactions at Non AU SFB ATM Within India	15 Free A Month / Thereafter INR 23 For Financial Transactions & INR 10 For Non Financial Transaction
Annual Fees	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	Free at AU SFB ATM, INR 25 / Instance For Others
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	NA

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	5 Transactions Or INR 5 Lakh Free Per Month Whichever Is Earlier. Post Which INR 5/1000 (Min. 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit (Local)
Cash Pick-Up / Delivery^	On Call Service: 10 Free Visit Per Month, Thereafter
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	INR 500 / Instance
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 Ps. Per SMS Charge, Max Cap at INR 15 / Quarter (Only Non-Mandatory SMS)
AEPS Mini Statement	Nil
Account Closure Fees	Nil
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 charged towards delivery fees
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
This SOC document is effective 1^st Oct 2025 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

INR 5,00,000 (NRE + NRO)

Fees For Non-Maintainence Of Balance Per Month

Nil For M + 3 Months

(Where M Is The Month Of Account Opening)

6% Of Shortfall, Maximum Of INR 600

Free Services

PARAMETERS
Debit Card Annual Fees
Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM Within India
No Cross Currency Mark Up Charges
Unlimited Cash Withdrawal at all AU SFB Branches (Cash Deposit Is Not Allowed In NRE Account)
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
SMS Alerts
Issuance Of PAP (Payable at Par) Cheque Book
Stop Cheque Through Net / Mobile / Phone Banking
Local And Outstation Cheque Collections at AU SFB Locations
Outstation Cheque Collections at Correspondence Bank and Other Location
Issuance Of Monthly and Half Yearly E-Mail Statement
Issuance Of Adhoc Account Statement at AU SFB Branch
Unlimited DDs Payable at AU SFB Branches & at Correspondent Bank Locations

Debit Card

PARAMETERS	PARTICULARS
Card	Visa Signature
Transactions at Non AU SFB ATM Within India	Nil
Annual Fees	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	INR 100 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	0%

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Not Allowed
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	10 Free Visits / Month, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	NA
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	INR 500 / Instance
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 charged towards delivery fees
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
This SOC document is effective 1^st Oct 2025 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

INR 5,00,000 (NRE + NRO)

Fees For Non-Maintainence Of Balance Per Month

Nil For M + 3 Months

(Where M Is The Month Of Account Opening)

6% Of Shortfall, Maximum Of INR 600

Free Services

PARAMETERS
Debit Card Annual Fees
Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM Within India
No Cross Currency Mark Up Charges
Unlimited Cash Withdrawal at all AU SFB Branches (Cash Deposit Is Not Allowed In NRE Account)
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
SMS Alerts
Issuance Of PAP (Payable at Par) Cheque Book
Stop Cheque Through Net / Mobile / Phone Banking
Local And Outstation Cheque Collections at AU SFB Locations
Outstation Cheque Collections at Correspondence Bank and Other Location
Issuance Of Monthly and Half Yearly E-Mail Statement
Issuance Of Adhoc Account Statement at AU SFB Branch
Unlimited DDs Payable at AU SFB Branches & at Correspondent Bank Locations

Debit Card

PARAMETERS	PARTICULARS
Card	RuPay Platinum
Transactions at Non AU SFB ATM Within India	Nil
Annual Fees	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	NA

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Nil
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	10 Free Visits / Month, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: 10 free visits per month thereafter, Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	INR 500 / Instance
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 charged towards delivery fees
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
This SOC document is effective 1^st Oct 2025 and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Average Monthly Balance (AMB) Of INR 10 Lakhs In Savings Account OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Current Account OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Savings Account And Current Account OR

Total Relationship Value (TRV) Of INR 30 Lakhs

(TRV Includes Savings Account Average Monthly Balance + Current Account Average Monthly Balance + Fixed Deposit Balance + Mutual Fund AUM With AU SFB)

Fees For Non-Maintainence Of Balance Per Month

Nil

(However, Customers Not Meeting The Program Eligibility Criteria For Six Consecutive Months Will Be Converted To a Lower Variant)

Free Services

PARAMETERS

Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM

ATM Decline Due To Insufficient Funds at any Bank’S ATM Within / Outside India

Unlimited Cash Withdrawal at any AU SFB Branch

Unlimited Fund Transfer via RTGS, NEFT, UPI & IMPS Through Digital & Branch Banking

Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations

Cancellation / Revalidation Of Demand Draft

Issuance Of Subsequent Cheque Book

Complimentary Pickup And Delivery Of Instruments Like Cheque, Demand Draft, Etc

Stop Payment Of Cheques at The Branch / Online

Outstation Cheque Collection On Corresponding &
Other Bank Locations

Issuance Of Adhoc Account Statement

Retrieval Of Cheque/Instructions

SMS Alerts

AEPS Mini Statement

Account Closure

Debit Card

PARAMETERS	PARTICULARS
Card	Mastercard World
Transactions at Non AU SFB ATM Within India	Unlimited
Annual Fees	Nil* *In Case Of AU Eternity Account Closure Or Customer Induced Conversion To Lower Variant, AU Eternity Debit Card Annual Maintenance Charge Of INR 2000 Plus Gst Will Be Levied
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	INR 100 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	Nil
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	0.90%

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	NA
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	Nil
Cash Pick-Up / Delivery^	NA
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	INR 500 / Instance
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	First 30 Cheques Free, Thereafter INR 200 / Cheque
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts*	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	Nil
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICUALRS
Charges specified in the document are applicable for all products (Savings, Salary, NR & Current Account) under the program unless specified otherwise
As per RBI guidelines, Business/ Commercial transactions are not permitted in savings and salary account
There will be no charges for non-maintenance of program criteria. However, customers not meeting the program eligibility criteria for six consecutive months will be converted to a lower variant
SMS Insta Alerts applicable for Current Account are sent for day end balance / transactions above a threshold / low balance
Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge
Penal charges and non-maintenance charges are not applicable once the account becomes inoperative / dormant
Other Free Services: Standing Instruction Maintenance, Dormancy Activation, Card Hotlisting, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, Account Closure, Email Alerts, Record retrieval, Banker's verification (Address/Signature / Photo)
The above charges are subject to revision with a prior intimation of 30 days to all account holder. Closure of account due to revision of charges will not be subject to account closure charges
Charges mentioned are exclusive of GST. The applicable taxes / cesses are subject to change from time to time
The bank reserve the right to downgrade the account if the customer is not maintaining the required program criteria. Net Salary Credit criteria will be considered only in AU Eternity Salary Account under Primary Group ID
Doorstep Banking service is available at select locations with sole discretion of AU Small Finance Bank. For beyond city limit services, the actual service charges will be applicable to customer on case-to-case basis
For newly opened Current Accounts, cash deposit free limit basis AMB criteria will be applicable effective third month post account opening.eg: for accounts opened in January, cash deposit limit in April will be provided basis March AMB
In case of AU Eternity Account closure or customer induced conversion to lower variant, AU Eternity Debit Card Annual Maintenance Charge of INR 2,000/- plus GST will be levied on the account linked to the card prior to closing or conversion to lower variant
In case of bank induced downgrade due to non-maintenance of program criteria for consecutive 6 months, default Debit Card for lower variant account will be issued, post conversion to lower variant. AU Eternity Debit Card will be auto hot-listed on activating new Debit Card or post 60 days from issuance of new card, whichever is earlier
In case customer holding lower variant account continues to use AU Eternity Debit Card, Annual Maintenance Charge of INR 2,000/- plus GST will be levied on the linked account on card anniversary.
This service document is effective 1^st Oct 2025 and is applicable until further modified
Abbreviations / short-forms used: 'INR'- Indian Rupee, 'txn' transaction, 'p.m' - per month, '<'less than, '>' greater than, 'min' minimum, 'max' maximum. 'ATM' Automatic Teller Machine, 'RTGS' Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'UPI' - Unified Payment Interface, 'PAP' Payable at Par, 'DD' Demand Draft, 'ECS' Electronic Clearing System, 'SMS' Short Message Service, 'NACH' National Automated Clearing House
The terms and conditions, as defined by AU Small Finance Bank (SFB), apply. Please refer www.au.bank.in for further details

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Average Monthly Balance (AMB) Of INR 10 Lakhs In Savings Account OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Current Account OR

Average Monthly Balance (AMB) Of INR 10 Lakhs In Savings Account And Current Account OR

Total Relationship Value (TRV) Of INR 30 Lakhs

(TRV Includes Savings Account Average Monthly Balance + Current Account Average Monthly Balance + Fixed Deposit Balance + Mutual Fund AUM With AU SFB)

Fees For Non-Maintainence Of Balance Per Month

Nil

(However, Customers Not Meeting The Program Eligibility Criteria For Six Consecutive Months Will Be Converted To a Lower Variant)

Free Services

PARAMETERS

Unlimited Debit Card Transactions at AU SFB ATM and Other Bank ATM

ATM Decline Due To Insufficient Funds at any Bank’S ATM Within / Outside India

Unlimited Cash Withdrawal at any AU SFB Branch

Unlimited Fund Transfer via RTGS, NEFT, UPI & IMPS Through Digital & Branch Banking

Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations

Cancellation / Revalidation Of Demand Draft

Issuance Of Subsequent Cheque Book

Complimentary Pickup And Delivery Of Instruments Like Cheque, Demand Draft, Etc

Stop Payment Of Cheques at The Branch / Online

Outstation Cheque Collection On Corresponding &
Other Bank Locations

Issuance Of Adhoc Account Statement

Retrieval Of Cheque/Instructions

SMS Alerts

AEPS Mini Statement

Account Closure

Debit Card

PARAMETERS	PARTICULARS
Card	RuPay Platinum
Transactions at Non AU SFB ATM Within India	Nil
Annual Fees	Nil
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	NA

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Free Up To INR 7 Lakhs Per Month, INR 5 Per INR 1,000 Post Free Limit (Min. INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	Nil
Cash Pick-Up / Delivery^	1 Free Visit Of Up To INR 5 Lakhs Per Day, Thereafter On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch Monthly Pick Up & Delivery Service: Upto 2 Lakhs - INR 2000 Per Month INR 2 Lakhs To Less Than INR 5 Lakhs - INR 5000 Per Month INR 5 Lakhs To Less Than INR 10 Lakhs -INR 14000 Per Month Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	INR 500 / Instance
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	First 30 Cheques Free, Thereafter INR 200 / Cheque
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts*	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	Nil
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICUALRS
Charges specified in the document are applicable for all products (Savings, Salary, NR & Current Account) under the program unless specified otherwise
As per RBI guidelines, Business/ Commercial transactions are not permitted in savings and salary account
There will be no charges for non-maintenance of program criteria. However, customers not meeting the program eligibility criteria for six consecutive months will be converted to a lower variant
SMS Insta Alerts applicable for Current Account are sent for day end balance / transactions above a threshold / low balance
Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge
Penal charges and non-maintenance charges are not applicable once the account becomes inoperative / dormant
Other Free Services: Standing Instruction Maintenance, Dormancy Activation, Card Hotlisting, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, Account Closure, Email Alerts, Record retrieval, Banker's verification (Address/Signature / Photo)
The above charges are subject to revision with a prior intimation of 30 days to all account holder. Closure of account due to revision of charges will not be subject to account closure charges
Charges mentioned are exclusive of GST. The applicable taxes / cesses are subject to change from time to time
The bank reserve the right to downgrade the account if the customer is not maintaining the required program criteria. Net Salary Credit criteria will be considered only in AU Eternity Salary Account under Primary Group ID
Doorstep Banking service is available at select locations with sole discretion of AU Small Finance Bank. For beyond city limit services, the actual service charges will be applicable to customer on case-to-case basis
For newly opened Current Accounts, cash deposit free limit basis AMB criteria will be applicable effective third month post account opening.eg: for accounts opened in January, cash deposit limit in April will be provided basis March AMB
In case of AU Eternity Account closure or customer induced conversion to lower variant, AU Eternity Debit Card Annual Maintenance Charge of INR 2,000/- plus GST will be levied on the account linked to the card prior to closing or conversion to lower variant
In case of bank induced downgrade due to non-maintenance of program criteria for consecutive 6 months, default Debit Card for lower variant account will be issued, post conversion to lower variant. AU Eternity Debit Card will be auto hot-listed on activating new Debit Card or post 60 days from issuance of new card, whichever is earlier
In case customer holding lower variant account continues to use AU Eternity Debit Card, Annual Maintenance Charge of INR 2,000/- plus GST will be levied on the linked account on card anniversary.
This service document is effective 1^st Oct 2025 and is applicable until further modified
Abbreviations / short-forms used: 'INR'- Indian Rupee, 'txn' transaction, 'p.m' - per month, '<'less than, '>' greater than, 'min' minimum, 'max' maximum. 'ATM' Automatic Teller Machine, 'RTGS' Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'UPI' - Unified Payment Interface, 'PAP' Payable at Par, 'DD' Demand Draft, 'ECS' Electronic Clearing System, 'SMS' Short Message Service, 'NACH' National Automated Clearing House
The terms and conditions, as defined by AU Small Finance Bank (SFB), apply. Please refer www.au.bank.in for further details

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Average Quarterly Balance (AQB) Of INR 25 Lakhs In Savings Account Or

Total Relationship Value (TRV) Of INR 2 Crores

(TRV Includes Savings Account Average Quarterly Balance + Fixed Deposit Balance + Mutual Fund AUM With AU SFB)

Fees For Non-Maintainence Of Balance Per Month

Nil

Debit Card

PARAMETERS	PARTICULARS
Card	Visa Infinite
Transactions at Non AU SFB ATM Within India	Unlimited
Annual Fees	Nil* *In Case Of AU Ivy Account Downgrade/Closure Basis Customer Consent Within 12 Months Of Program On-Boarding To AU Ivy Program, AU Ivy Debit Card Charge Of INR 5,000/- Plus Gst Will Be Levied
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	Nil
ATM Declines Due To Insufficient Funds (Within / Outside India)	Nil
Replacement Of Lost / Stolen Card	Nil
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	0%

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Nil
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	Free
Cash Pick-Up / Delivery^	Free
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	Nil
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	Nil
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts*	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	Nil
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICUALRS
Fees mentioned are exclusive of GST. The applicable taxes/cess are subject to change from time to time
As per RBI guidelines, business/commercial transactions are not permitted in the Savings and Salary Account
The above fees are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of fees will not be subject to account closure fees
Penal charges and non-maintenance fees are not applicable once the account becomes inoperative/dormant
Other Free Services include Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hotlisting, Replacement of Damaged/Lost/Stolen Cards, Duplicate Statements. Balance Enquiry, E-mail Alerts,
Banker's verification (Address/Signature/Photo), Nomination Facility, Utility Bill payment through Net Banking/AU0101 App, Passbook issuance, DD Revalidation, Charge Slip Retrieval, PIN Generation Account closure & Debit card Reissuance
Abbreviations/Short-forms used: "INR- Indian Rupee, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, NEFT - National Electronic Fund Transfer, 'DD-Demand Draft, ECS -Electronic Clearing System, 'SMS'-Short Message Service, 'IMPS - Immediate Payment Service, 'AEPS' Aadhaar Enabled Payment System. 'NACH' National Automated Clearing House, 'UPI Unified Payments Interface. 'NRO' Non-Resident Ordinary, 'NRE' Non-Resident External
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 years shall be treated as inoperative/dormant account. The service charges levied by the bank or the interest credited by the bank shall not be considered 'customer-induced transaction'.
Doorstep banking facility is available at select locations only and will be offered at the sole discretion of AU Small Finance Bank. Incidental charges on these extended services shall be applicable
The account will be downgraded in case of non-maintenance of program eligibility criteria for 2 consecutive quarters. The Terms and Conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank in for further details
In case of AU ivy account downgrade/closure basis customer consent within 12 months of program on-boarding to AU ivy program, AU ivy Debit Card charge of `5,000/- plus GST will be levied on the account linked to the card prior to closing or downgrading the accounts(s)
In case of bank induced downgrade due to non-maintenance of program criteria for consecutive 2 quarters, a default AU Debit Card for lower variant account will be issued, post conversion to lower variant. AU ivy Debit Card will be auto hot-listed on activating new Debit Card or post 60 days from issuance of new Debit Card, whichever is earlier
In case customer holding lower variant account continues to use AU ivy Debit Card, Debit Card charge of `5,000/- plus GST will be levied on the linked account on card anniversary
This SOC document is effective July 1, 2025 or later and is applicable until further modified

Eligibilty Criteria

PARAMETERS

PARTICULARS

Minimum Average Monthly Balance (AMB)

Average Quarterly Balance (AQB) Of INR 25 Lakhs In Savings Account Or

Total Relationship Value (TRV) Of INR 2 Crores

(TRV Includes Savings Account Average Quarterly Balance + Fixed Deposit Balance + Mutual Fund AUM With AU SFB)

Fees For Non-Maintainence Of Balance Per Month

Nil

Debit Card

PARAMETERS	PARTICULARS
Card	Rupay Platinum
Transactions at Non AU SFB ATM Within India	Unlimited
Annual Fees	Nil
Transactions at AU SFB ATM	Unlimited
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance
Replacement Of Lost / Stolen Card	Nil
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	0%

Payment And Collection Services

PARAMETERS	PARTICULARS
Cash Deposit - All Branches	Nil
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	Free
Cash Pick-Up / Delivery^	Free
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	Nil
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	Nil
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts*	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	Nil
DD Payable at AU SFB Locations - Net / Mobile Banking
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier
Issuance Of Subsequent Cheque Book

Terms & Conditions

PARTICUALRS
Fees mentioned are exclusive of GST. The applicable taxes/cess are subject to change from time to time
As per RBI guidelines, business/commercial transactions are not permitted in the Savings and Salary Account
The above fees are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of fees will not be subject to account closure fees
Penal charges and non-maintenance fees are not applicable once the account becomes inoperative/dormant
Other Free Services include Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hotlisting, Replacement of Damaged/Lost/Stolen Cards, Duplicate Statements. Balance Enquiry, E-mail Alerts,
Banker's verification (Address/Signature/Photo), Nomination Facility, Utility Bill payment through Net Banking/AU0101 App, Passbook issuance, DD Revalidation, Charge Slip Retrieval, PIN Generation Account closure & Debit card Reissuance
Abbreviations/Short-forms used: "INR- Indian Rupee, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, NEFT - National Electronic Fund Transfer, 'DD-Demand Draft, ECS -Electronic Clearing System, 'SMS'-Short Message Service, 'IMPS - Immediate Payment Service, 'AEPS' Aadhaar Enabled Payment System. 'NACH' National Automated Clearing House, 'UPI Unified Payments Interface. 'NRO' Non-Resident Ordinary, 'NRE' Non-Resident External
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 years shall be treated as inoperative/dormant account. The service charges levied by the bank or the interest credited by the bank shall not be considered 'customer-induced transaction'.
Doorstep banking facility is available at select locations only and will be offered at the sole discretion of AU Small Finance Bank. Incidental charges on these extended services shall be applicable
The account will be downgraded in case of non-maintenance of program eligibility criteria for 2 consecutive quarters. The Terms and Conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank in for further details
In case of AU ivy account downgrade/closure basis customer consent within 12 months of program on-boarding to AU ivy program, AU ivy Debit Card charge of `5,000/- plus GST will be levied on the account linked to the card prior to closing or downgrading the accounts(s)
In case of bank induced downgrade due to non-maintenance of program criteria for consecutive 2 quarters, a default AU Debit Card for lower variant account will be issued, post conversion to lower variant. AU ivy Debit Card will be auto hot-listed on activating new Debit Card or post 60 days from issuance of new Debit Card, whichever is earlier
In case customer holding lower variant account continues to use AU ivy Debit Card, Debit Card charge of `5,000/- plus GST will be levied on the linked account on card anniversary
This SOC document is effective July 1, 2025 or later and is applicable until further modified

Eligibilty Criteria

PARTICULARS	PARAMETERS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB and Other Bank ATM
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half-Yearly E-Mail Statement
Debit Card Annual Fees
SMS Alerts
10 Visits / Month Free For Pick-Up Or Delivery Of Instruments
5 Visits / Month Free For Cash Pick-Up Or Delivery
NEFT & RTGS Carried Out at Branch
Free Cheque Book

Debit Card

PARAMETERS	PARTICULARS
Card^#	Visa Platinum
Annual Fees^#	NA
Transactions at Non AU SFB ATM Within India	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	INR 150 / instance for financial transactions, INR 25 / instance for non-financial transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	NA
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	Low Denomination Notes - Upto INR 10,000 : Nil Above INR 10,000 : 0.5% Of The LDN Deposited (Min Amount : Rs 50/-) Coins - Upto INR 100 : Nil Above INR 100 : 5% On Entire Amount of Coins Deposited To Charged
Pick-Up Or Delivery Of Instruments	10 Visits Per Month Free, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	5 Visits / Month Free, Thereafter INR 250 / Transaction Up To INR 2 Lakhs
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction - INR 500; thereafter - INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB and Other Bank ATM
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Free Cash Deposit Of Up To INR 5 Lakhs Per Month
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half-Yearly E-Mail Statement
Debit Card Annual Fees
SMS Alerts
10 Visits / Month Free For Pick-Up Or Delivery Of Instruments
5 Visits / Month Free For Cash Pick-Up Or Delivery
NEFT & RTGS Carried Out at Branch
Free Cheque Book

Debit Card

PARAMETERS	PARTICULARS
Card	Visa Platinum
Annual Fees	Nil
Transactions at Non AU SFB ATM Within India	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	INR 150 / instance for financial transactions, INR 25 / instance for non-financial transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To INR 5 Lakhs Per Month. Post Which INR 5/1000 (Min INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	Low Denomination Notes - Upto INR 10,000 : Nil Above INR 10,000 : 0.5% Of The LDN Deposited (Min Amount : Rs 50/-) Coins - Upto INR 100 : Nil Above INR 100 : 5% On Entire Amount of Coins Deposited To Charged
Pick-Up Or Delivery Of Instruments	10 Visits Per Month Free, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	5 Visits / Month Free, Thereafter INR 250 / Transaction Up To INR 2 Lakhs
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction - INR 500; thereafter - INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	Free Up To 100 Deposits. Post That INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Debit Card Transactions at AU SFB and Other Bank ATM
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Free Cash Deposit Of Up To INR 5 Lakhs Per Month
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half-Yearly E-Mail Statement
Debit Card Annual Fees
SMS Alerts
10 Visits / Month Free For Pick-Up Or Delivery Of Instruments
5 Visits / Month Free For Cash Pick-Up Or Delivery
NEFT & RTGS Carried Out at Branch
Free Cheque Book

Debit Card

PARAMETERS	PARTICULARS
Card^#	Visa Platinum
Annual Fees^#	Nil
Transactions at Non AU SFB ATM Within India	Nil
Transactions at AU SFB ATM	Nil
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To INR 5 Lakhs Per Month. Post Which INR 5/1000 (Min INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	Low Denomination Notes - Upto INR 10,000 : Nil Above INR 10,000 : 0.5% Of The LDN Deposited (Min Amount : Rs 50/-) Coins - Upto INR 100 : Nil Above INR 100 : 5% On Entire Amount of Coins Deposited To Charged
Pick-Up Or Delivery Of Instruments	10 Visits Per Month Free, Thereafter INR 100 / Visit
Cash Pick-Up / Delivery^	5 Visits / Month Free, Thereafter INR 250 / Transaction Up To INR 2 Lakhs
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	Free Up To 100 Deposits. Post That INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	Nil
AEPS Mini Statement	First 5 Transactions Free, INR 3 / Transaction Post Free Transactions
Account Closure Fees	Free
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
5 free financial transactions a month & unlimited free non-financial transaction at AU SFB ATM
5 free transactions a month including financial + non-financial transactions at another bank ATM
Unlimited Fund transfer (Online) - RTGS, NEFT, UPI
Unlimited DDs Payable at AU Bank locations and at correspondent bank locations
Stop Cheque through Net / Mobile / Phone Banking
Local Cheque Collections at funds is free at AU Bank locations
Issuance of Monthly and Half Yearly E-mail statement

Debit Card

PARAMETERS	PARTICULARS
Card^#	As per the card held prior to change in account
Annual Fees^#	AU Royale Debit Card – INR 1399 AU Platinum Debit Card – INR 499 AU Gold Debit Card – INR 349
Transactions at Non AU SFB ATM Within India	Post 5 Free Financial + Non-Financial Transactions, INR 23 For Financial Transactions And INR 10 For Non-Financial Transactions
Transactions at AU SFB ATM	Post 5 Free Transactions, INR 23 For Financial Transactions
Transactions at Other Bank ATM Outside India	INR 150 / Instance For Financial Transactions, INR 25 / Instance For Non-Financial Transactions
ATM Declines Due To Insufficient Funds (Within / Outside India)	INR 25 / Instance For Other Bank ATM
Replacement Of Lost / Stolen Card	INR 200 / Instance
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	3.50%

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	No free cash limits (includes deposit & withdrawal), charges of INR 5 / 1000 (min INR 100)
RTGS Carried out at Branch	INR 10 / Transaction
NEFT Carried out at Branch	Up To 1 Lakh : INR 2 / Transaction Above 1 Lakh : INR 10 / Transaction
IMPS Online	Up To 10,000: INR 2.5 >10,000 To 1,00,000: INR 5 >1,00,000: INR 15
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	NA
Pick-Up Or Delivery Of Instruments	INR 100 / Visit
Cash Pick-Up / Delivery^	On Call Service: Up To INR 2 Lakhs - INR 750 INR 2 Lakhs To Less Than INR 5 Lakhs - INR 1100 INR 5 Lakhs To Less Than INR 10 Lakhs - INR 1800 Above INR 10 Lakhs - Contact Branch
Cancellation / Revalidation Of DD	INR 100 / Instrument

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	1^st transaction – INR 500; thereafter, INR 550
Standing Instructions Failure Due To Insufficient Funds	INR 100 / Instance
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	INR 200 / Cheque
Stop Payment Of Cheques - Branch	INR 50 / Instruction
Retrieval Of Cheque / Instruction	INR 50 / Cheque
SMS Alerts*	INR 30 ps. Per SMS charge, max cap at INR 15/qtr (only non-mandatory SMS)
AEPS Mini Statement	INR 3 / Transaction
Account Closure Fees	Free
Charges For Statement Printout at Branches	INR 100 / Instance

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	INR 50 Charged Towards Delivery Fees

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
^*Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge.
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates.
#For any debit card variant other than the one stated above, the applicable annual charges will be as per the respective card. For more information please refer Debit Card fees section on https://www.au.bank.in/service-fee
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 05^th April 2026 and is applicable until further modified

Eligibilty Criteria

PARAMETERS	PARTICULARS
Minimum Average Monthly Balance (AMB)	Nil
Fees For Non-Maintainence Of Balance Per Month	NA

Free Services

PARAMETERS
Unlimited Cash Withdrawal at any AU SFB Branch
Unlimited Online Payments – RTGS, NEFT, IMPS, UPI, Intra Bank Fund Transfer
Free Cash Deposit Of Up To INR 10 Lakhs Per Month
Unlimited DDs Payable at AU SFB Locations and at Correspondent Bank Locations
Stop Cheque Through Net / Mobile / Phone Banking
Local Cheque Collections at AU SFB Locations
Issuance Of Monthly and Half-Yearly E-Mail Statement
SMS Alerts

Debit Card

PARAMETERS	PARTICULARS
Card	NA
Annual Fees	Nil
Transactions at Non AU SFB ATM Within India	NA
Transactions at AU SFB ATM	NA
Transactions at Other Bank ATM Outside India	NA
ATM Declines Due To Insufficient Funds (Within / Outside India)	NA
Replacement Of Lost / Stolen Card	NA
Cross Currency Mark-Up (When You Use Your Debit Card For International Transactions, a Certain Mark -Up Fee Is Levied On The Amount)	NA

Payment And Collection Services

PARAMETERS	PARTICULARS
^##Cash Deposit - All Branches	Free Up To INR 10 Lakhs Per Month. Post Which INR 5/1000 (Min INR 100)
RTGS Carried out at Branch	Nil
NEFT Carried out at Branch	Nil
IMPS Online	Nil
Deposit Of Low Denomination Note And Coins - Per Day (Currency Note Of INR 50 & Below)	Nil
Pick-Up Or Delivery Of Instruments	Nil
Cash Pick-Up / Delivery^	Nil
Cancellation / Revalidation Of DD	Nil

Transactions

PARAMETERS	PARTICULARS
Instrument / Instruction Issued (Such As An Inward Cheque / ECS / NACH) from your Account, Returned Due To Insufficient Funds	Nil
Standing Instructions Failure Due To Insufficient Funds	Nil
Return Handling Charges For Other Bank Cheques Deposited In Your Account but Returned (Local / Outstation)	Nil
Stop Payment Of Cheques - Branch	Nil
Retrieval Of Cheque / Instruction	Nil
SMS Alerts*	Nil
AEPS Mini Statement	Nil
Account Closure Fees	Nil
Charges For Statement Printout at Branches	Nil

Delivery Fees

PARAMETERS	PARTICULARS
Outstation Cheque Collection - Corresponding & Other Bank Locations	INR 50 Charged Towards Delivery Fees
DD Payable at AU SFB Locations - Net / Mobile Banking	INR 50 Charged Towards Delivery Fees
Issuance Of Adhoc Account Statement Dispatched To Your Address Through Courier	INR 50 Charged Towards Delivery Fees
Issuance Of Subsequent Cheque Book	Nil

Terms & Conditions

PARTICULARS
Fees mentioned are exclusive of GST. The applicable taxes / cess are subject to change from time to time
^{^}Branch Cash Deposit / withdrawal not considered
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Account
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges
Penal fees and non-maintenance fees are not applicable once the account becomes inoperative / dormant
Urban and Core are branch categories basis location mapping as defined by the Bank
Other Free Services: Standing Instruction Maintenance, ECS Instruction Maintenance, Card Hot listing, Replacement of Damaged Cards, Duplicate Statements, Balance Enquiry, E-mail Alerts, Banker's verification (Address / Signature / Photo), Nomination Facility, Utility Bill payment through Net Banking / Mobile Banking, Passbook Issuance, Charge Slip Retrieval, Pin Generation
Abbreviations / short-forms used: 'INR' - Indian Rupee, 'txn' - transaction, 'p.m.' - per month, '<' - less than, '>' - greater than, 'min' - minimum, 'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'DD' - Demand Draft, 'ECS' - Electronic Clearing System, 'SMS' - Short Message Service, ‘Fin’ – Financial
Accounts not having a 'customer induced transaction' (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 year shall be treated as Dormant / Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a 'customer-induced transaction'
Doorstep banking service is available at selective location at sole discretion of AU Small Finance Bank
The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.au.bank.in for further details
Standard charges applicable for all other services and products, not listed above
Debit Card annual charges (inclusive of taxes) for first year is levied on debit card issuance date and on card anniversary date for subsequent years. These charges will be automatically deducted from your account on such dates
^##Cash deposit transactions carried out through AU Small Finance Bank Branches, ATMs/CDMs (Cash Deposit Machines), and AEPS (Aadhaar Enabled Payment System) channels shall be aggregated for the purpose of determination and application of applicable cash deposit charges, as per the Schedule of Charges.
This SOC document is effective 1^st May 2025 and is applicable until further modified

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Schedule of Charges SMF

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For Fincare Schedule of Charges click here

To know more about your Branch Category Click here.

For Rates at a glance as on 12th December 2025. Click here.

Terms and conditions as per respective product will apply.

For Fincare Schedule of Charges, click here.

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