Calculators · Savings & Fixed Income
AU Bank FD calculator
Use this free AU Bank FD calculator to work out the maturity amount and interest on an AU Small Finance Bank fixed deposit. AU Bank's official FD interest rates and senior citizen rates are preloaded, with monthly interest, premature withdrawal rules and post-tax returns.
What your FD actually earns
Five calculation modes on one engine — cumulative growth, monthly payout, goal sizing, laddering and loan-against-FD. Every mode shows the post-tax and inflation-adjusted figure beside the headline number, because the headline rate is rarely the one you keep.
Worth is independent and is not affiliated with, or endorsed by, AU Small Finance Bank. Rates are taken from AU Small Finance Bank's official rate card (1 September 2026 (general), 10 June 2026 (senior citizen)), checked on 14 October 2026.
The method
How to calculate AU Bank FD interest
AU Small Finance Bank compounds interest on cumulative fixed deposits quarterly. Pick a tenure in the AU Bank FD calculator and it applies that tenure's rate, then shows the maturity amount, total interest and what you keep after tax and inflation.
AU Bank FD interest rates (effective 1 September 2026 (general), 10 June 2026 (senior citizen))
| Tenure | General | Senior citizen |
|---|---|---|
| 7 days to 1 month 15 days | 3.50% | 4.00% |
| 1 month 16 days to 3 months | 4.75% | 5.25% |
| 3 months 1 day to 6 months | 5.25% | 5.75% |
| 6 months 1 day to 12 months | 6.35% | 6.85% |
| 12 months 1 day to 15 months | 7.10% | 7.60% |
| 15 months 1 day to 24 months | 7.00% | 7.50% |
| 24 months 1 day to 30 months | 7.10% | 7.60% |
| 30 months 1 day to 36 months | 7.40% | 7.90% |
| 36 months 1 day to 45 months | 7.00% | 7.50% |
| 45 months 1 day to under 60 months | 6.75% | 7.25% |
| 60 months to 120 months | 6.75% | 7.25% |
AU Small Finance Bank is a small finance bank: an RBI-regulated scheduled bank whose deposits carry the same DICGC cover of ₹5 lakh per depositor. Small finance banks often pay higher FD rates than large banks. Banks revise rates without notice, so confirm the rate on your deposit advice and enter it in the calculator.
Worked example: AU Bank FD, 3 years, 30% slab
- Deposit
- ₹5,00,000
- AU Bank 3-year rate
- 7.40%, compounded quarterly
- Period
- 3 years
- Interest earned
- ₹1,23,021
- Maturity amount
- ₹6,23,021
- Tax on interest (30%, new regime)
- ₹36,906
- Post-tax maturity
- ₹5,86,114
These are the calculator's default inputs on this page, so you can check every figure in the tool.
Key facts
AU Bank FD rules: premature withdrawal and senior citizen rates
Only terms confirmed on the lender's own website are listed. Check your deposit advice for the terms that apply to you.
| Senior citizen rate | 0.50% above the general rate, for resident individuals aged 60 and above with a banking relationship with AU |
| Premature withdrawal penalty | 1.00%, including sweep-in and partial closures |
| Rate on early closure | The lower of the base rate for the original tenure or for the period actually held, less the penalty |
| Deposits closed within 7 days | No interest is paid |
| Rate applied | The rate in force when the bank receives your funds |
Source: AU Small Finance Bank FD interest rates. Effective: 1 September 2026 (general), 10 June 2026 (senior citizen). Checked by Worth on 14 October 2026. Rates are for deposits below ₹3 crore and can change without notice.
Breaking an AU Bank FD early: worked example
- Deposit
- ₹5,00,000
- Booked
- 3 years at 7.40%
- Closed after
- 18 months
- Base rate
- 7.00%
- Penalty
- 1.00%
- Rate applied
- 6.00%
- Interest received
- ₹46,722
- Without the penalty
- ₹54,851
- Cost of the penalty
- ₹8,130
Base rate: lower of the 18-month rate, 7.00%, and the contracted rate, 7.40%. Assumes AU Bank's current card rates and quarterly compounding, before tax. The bank pays the lower of the rate for the period run and the contracted rate, minus the penalty.
The essentials
AU Bank FD returns: monthly interest, senior citizen rates and comparison
Monthly interest on an AU Bank FD
With a monthly payout AU Bank FD at the 1-year rate of 6.35%, interest is about ₹529 a month on ₹1 lakh, ₹2,646 on ₹5 lakh and ₹5,292 on ₹10 lakh, before tax. Banks usually pay monthly interest at a slightly discounted rate, so treat these as close estimates. Switch the calculator to Monthly income mode to see the post-tax figure. Payout deposits earn less in total than cumulative ones, because the interest is paid out instead of compounding.
AU Bank FD for senior citizens
0.50% above the general rate, for resident individuals aged 60 and above with a banking relationship with AU. Tick "Senior citizen" in the calculator and it loads the senior rate for the tenure you pick. For example, ₹10 lakh for 5 years at 7.25% grows to about ₹14.32 lakh. Senior citizens under the old tax regime can also claim the 80TTB deduction on up to ₹50,000 of interest a year, and can submit Form 15H to avoid TDS if their total income is below the taxable limit.
How AU Bank FD rates compare, and doubling time
At one year, AU Small Finance Bank's 6.35% ranks 6th of the 15 lenders in this calculator; the highest is 7.50% from Unity Small Finance Bank. At five years, AU Small Finance Bank's 6.75% ranks 4th of the 15 lenders in this calculator (level with 1 other); the highest is 7.77% from Jana Small Finance Bank. At the 5-year rate of 6.75%, a deposit doubles in about 10.4 years. Rate cards are revised on different dates, so compare like with like in the table below or in the main FD calculator.
Rate comparison
How AU Bank FD rates compare with other banks
1, 3 and 5-year general rates from each lender's official rate card, checked on 14 October 2026. Rate cards change on different dates, so the last column shows each one's effective date. The highlighted row is this page's lender.
| Lender | 1 year | 3 years | 5 years | Rate card |
|---|---|---|---|---|
| State Bank of India | 6.25% | 6.30% | 6.05% | 15 Dec 2025 |
| HDFC Bank | 6.25% | 6.45% | 6.40% | 19 Aug 2026 |
| ICICI Bank | 6.25% | 6.45% | 6.50% | 14 Oct 2026 |
| Axis Bank | 6.25% | 6.50% | 6.50% | 30 Sep 2026 |
| Kotak Mahindra Bank | 6.50% | 6.40% | 6.25% | 15 Apr 2026 |
| Punjab National Bank | 6.25% | 6.30% | 6.35% | 1 Jun 2026 |
| Bank of India | 6.25% | 6.25% | 6.00% | No date shown |
| Canara Bank | 6.25% | 6.25% | 6.25% | 17 Mar 2026 |
| Union Bank of India | 6.20% | 6.10% | 6.00% | 4 Aug 2026 |
| Central Bank of India | 6.10% | 6.00% | 6.00% | 10 Aug 2026 |
| Post Office Time Deposit | 6.90% | 7.10% | 7.50% | Oct–Dec 2026 |
| Jana Small Finance Bank | 7.00% | 8.00% | 7.77% | 29 Sep 2026 |
| Equitas Small Finance Bank | 7.00% | 7.00% | 7.00% | 3 Nov 2025 |
| AU Small Finance Bank | 6.35% | 7.40% | 6.75% | 1 Sep 2026 |
| Unity Small Finance Bank | 7.50% | 6.75% | 6.75% | 15 Jul 2026 |
Common questions
AU Bank FD Calculator: frequently asked questions
How do I calculate interest on an AU Bank FD?
What are the current AU Bank FD interest rates?
What is the penalty for breaking an AU Bank FD early?
How much monthly interest will I get on ₹1 lakh in AU Bank?
In how many years will an AU Bank FD double?
Is an AU Bank FD safe?
Is AU Bank FD interest taxable?
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