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AU Small Finance BankSavings account

AU Small Finance Bank Digital Savings Account

A no-minimum-balance digital AU savings account with video-KYC onboarding, monthly interest payouts and a RuPay Platinum debit-card proposition.

First-party evidencePublished researchReviewed September 9, 2026Active
Balance / relationshipNo minimum balance.
Cost / chargesNo minimum-balance requirement under the reviewed product page; debit-card and other transaction charges follow the applicable AU Service Fee Reckoner.
Limits / allowancesDebit-card and transaction limits follow the issued AU card and current service-fee schedule.
Ongoing relationship ruleStandalone digital AU savings relationship.
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationshipNo minimum balance.
02 · Cost / chargesNo minimum-balance requirement under the reviewed product page; debit-card and other transaction charges follow the applicable AU Service Fee Reckoner.
03 · Limits / allowancesDebit-card and transaction limits follow the issued AU card and current service-fee schedule.
04 · Ongoing relationship ruleStandalone digital AU savings relationship.
Exact product-type evidence

Savings account evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Digital opening journey

What has to happen before this account is fully usable.

Digital availability is verified separately from the account’s normal balance and fee rules. Reviewed September 10, 2026.

Opening channelAU Video Banking / AU 0101 digital savings-account journey.
KYC / Video KYCApplicant can complete full Video KYC over a live video call; AU 0101 also documents a Minimum-KYC choice before full KYC.
Documents / authenticationPAN and Aadhaar; Aadhaar OTP is used for Video KYC and the original PAN/signature are shown during the call.
Initial fundingNo minimum balance for the reviewed AU Digital Savings Account; account/card charges follow the applicable AU fee reckoner.
Customer restrictionIndian citizen age 18+ with required KYC documents; Video KYC availability can be limited to select locations.
Location / device ruleVideo KYC is currently available only at select locations according to the current AU product page.
Fallback routeBranch and customer-care assisted application routes remain available.
If KYC / opening is incompleteAU 0101 states a Minimum-KYC account is valid for one year and can hold at most ₹1 lakh; if full KYC is not completed within one year, the bank says the account must be closed. Minor/joint/NRI savings are excluded from the reviewed Video Call route.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesNo minimum-balance requirement under the reviewed product page; debit-card and other transaction charges follow the applicable AU Service Fee Reckoner.
Balance / relationshipNo minimum balance.
Core benefitsMonthly interest payouts, digital/video onboarding, unlimited online RTGS/NEFT/UPI/intra-bank transfers and a RuPay Platinum Debit Card proposition.
Limits / allowancesDebit-card and transaction limits follow the issued AU card and current service-fee schedule.
EligibilityIndian citizen age 18+ with required government KYC documents.
Ongoing relationship ruleStandalone digital AU savings relationship.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Digital-first resident customers who want a no-minimum-balance AU savings account with app-led banking.

Verify before relying
  • Interest rates are variable and should not be treated as permanent.
  • The no-balance account can still have debit-card and service charges.
  • Card variant/charges should be checked in the Service Fee Reckoner at opening.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.