Skip to content
bankingreference.infoIndependent banking product research for India
Compare
Browse
Explore the researchBanking systems, decision tools and evidence standards.
Product finder
Opens in a new tab.
ATM & cash service comparison

IndusInd Bank ATM & Cash Services vs AU Small Finance Bank ATM & Cash Services

Compare IndusInd Bank ATM & Cash Services and AU Small Finance Bank ATM & Cash Services using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

ATM & cash service comparison

IndusInd Bank ATM & Cash Services vs AU Small Finance Bank ATM & Cash Services

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
IndusInd BankIndusInd Bank ATM & Cash Services

IndusInd customers who need their exact savings/current scheme matched before relying on other-bank ATM or branch cash privileges.

Cost / pricing
Current IndusInd savings schedules generally keep own-bank ATM cash/non-cash transactions free, while off-us allowances vary by account. Current schedules show ₹23 financial and ₹10 non-financial post-free pricing on several active variants; some premium variants provide broader or effectively unlimited allowances subject to stated caps/relationship maintenance.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
AU Small Finance BankAU Small Finance Bank ATM & Cash Services

AU customers comparing ATM and cash usage who need their exact account tier matched because own-bank free counts and monthly cash-deposit allowances vary across AU schemes.

Cost / pricing
AU's current service-fee schedules show post-free domestic ATM charges of ₹23 financial and ₹10 non-financial. Depending on the account scheme, own-bank monthly free counts can be 5, 10 or 20 and other-bank domestic free usage commonly 5. Cash-deposit allowances are product-specific, with reviewed schedules showing examples such as 5 transactions or ₹2 lakh/month, whichever is earlier, then ₹5 per ₹1,000 with ₹100 minimum.
Reviewed
September 10, 2026
Evidence
2 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

IndusInd Bank ATM & Cash Services vs AU Small Finance Bank ATM & Cash Services

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/indusind-atm-cash-services-vs-au-atm-cash-services/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Which ATM allowance applies to your use?Compare own-bank and other-bank terms in the correct account or card context.

IndusInd Bank ATM & Cash Services

Own-bank ATM
Reviewed active savings schedules list IndusInd own-ATM cash withdrawals and non-cash transactions as free.
Other-bank ATM
Many current savings variants use 3 free transactions in metros / 5 in non-metros with ₹23 financial and ₹10 non-financial post-free pricing; premium/business variants can publish larger allowances subject to relationship/AMB and stated monthly caps.

AU Small Finance Bank ATM & Cash Services

Own-bank ATM
Current AU product tables show scheme-dependent own-bank allowances such as 5, 10 or 20 free monthly transactions before ₹23 financial pricing; exact account schedule controls.
Other-bank ATM
Current AU schedules commonly show 5 free domestic non-AU ATM transactions before ₹23 financial and ₹10 non-financial pricing; scheme-specific exceptions must be checked.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

IndusInd Bank ATM & Cash Services

Withdrawal limits
Card-specific examples in current schedules include Classic ₹25,000/day, Gold/Titanium ₹50,000/day and Platinum ₹1 lakh/day. Exact linked debit-card schedule controls.
Cash deposit machine
IndusInd publishes CDM availability/how-to guidance, but the reviewed bankwide material does not establish one universal CDM deposit value/note limit. Cash-deposit fee entitlement remains account-schedule-specific.

AU Small Finance Bank ATM & Cash Services

Withdrawal limits
Daily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.
Cash deposit machine
AU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

IndusInd Bank ATM & Cash Services

Charge scope
IndusInd has meaningful product-level variation and some live ₹21-vs-₹23 off-us pricing differences across pages/schedules; use the exact dated schedule for the customer's account instead of a universal bank figure.
Failed ATM treatment
RBI's T+5 calendar-day reversal and ₹100/day delayed-compensation baseline applies to debit-without-cash ATM failures; complaint should be lodged with the issuing bank.

AU Small Finance Bank ATM & Cash Services

Charge scope
Always match the AU account variant. Branch/ATM/CDM/AEPS cash deposits share the cash-deposit counter, while ATM withdrawal free counts and card daily withdrawal limits remain separate.
Failed ATM treatment
RBI requires T+5 calendar-day reversal when an ATM transaction debits the account without dispensing cash, with ₹100/day compensation beyond T+5; use the issuing-bank complaint route.
Other maintained comparisons for IndusInd Bank ATM & Cash ServicesOther maintained comparisons for AU Small Finance Bank ATM & Cash Services
Exact terms

Put the controlling banking fields side by side.

The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Banking product terms side by side for IndusInd Bank ATM & Cash Services and AU Small Finance Bank ATM & Cash Services
Decision factorIndusInd Bank ATM & Cash ServicesAU Small Finance Bank ATM & Cash Services
ATM / cash service chargesCurrent IndusInd savings schedules generally keep own-bank ATM cash/non-cash transactions free, while off-us allowances vary by account. Current schedules show ₹23 financial and ₹10 non-financial post-free pricing on several active variants; some premium variants provide broader or effectively unlimited allowances subject to stated caps/relationship maintenance.AU's current service-fee schedules show post-free domestic ATM charges of ₹23 financial and ₹10 non-financial. Depending on the account scheme, own-bank monthly free counts can be 5, 10 or 20 and other-bank domestic free usage commonly 5. Cash-deposit allowances are product-specific, with reviewed schedules showing examples such as 5 transactions or ₹2 lakh/month, whichever is earlier, then ₹5 per ₹1,000 with ₹100 minimum.
Eligible account / cardIndusInd cash/ATM economics depend strongly on the account variant and relationship balance. Some premium/business schedules tie larger other-bank ATM allowances to previous-month AMB or product maintenance.ATM/cash benefits vary by AU account proposition and relationship balance. The current schedule is explicitly product/variant-based; no universal AU own-bank free count is inferred.
ATM / cash service coverageIndusInd ATMs provide free on-us access for reviewed savings variants. Debit-card tiers can offer higher daily cash ceilings, while selected premium schemes publish larger other-bank ATM allowances.AU supports branch and ATM/CDM cash deposits, with current schedules aggregating Branch, ATM/CDM and AEPS cash deposits when determining the cash-deposit charge entitlement.
ATM / cash limitsDaily ATM cash amount is card-specific—for example reviewed schedules list ₹25,000 Classic, ₹50,000 Gold/Titanium and ₹1 lakh Platinum on an active savings schedule. Non-financial transactions at non-IndusInd ATMs are separately capped at 2 per day from 15 November 2024 in current schedules.The debit-card variant controls daily withdrawal value. The service-fee schedule's free ATM count and monthly cash-deposit allowance are pricing counters, not card cash ceilings.
ATM / cash accessEligible IndusInd account/debit-card customers, with scheme, card tier and balance-maintenance conditions determining the applicable cash/ATM rules.Eligible AU account/debit-card customers. Product tier, card variant and account relationship determine the applicable ATM/cash rules.
Account / card / channel relationshipThe bank-level service profile deliberately stores variant examples instead of one universal IndusInd ATM allowance; the exact account and debit card control the applied terms.ATM/CDM and branch cash usage are tied to the account's service-fee schedule; AU explicitly aggregates cash deposits across Branch, ATM/CDM and AEPS for charging purposes.
ATM & cash detail

Compare free counts, cash limits and failure handling.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

On a small screen, scroll this table sideways. The decision-factor column stays visible while you compare both products.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Type-specific banking comparison terms for IndusInd Bank ATM & Cash Services and AU Small Finance Bank ATM & Cash Services
Decision factorIndusInd Bank ATM & Cash ServicesAU Small Finance Bank ATM & Cash Services
Own-bank ATMReviewed active savings schedules list IndusInd own-ATM cash withdrawals and non-cash transactions as free.Current AU product tables show scheme-dependent own-bank allowances such as 5, 10 or 20 free monthly transactions before ₹23 financial pricing; exact account schedule controls.
Other-bank ATMMany current savings variants use 3 free transactions in metros / 5 in non-metros with ₹23 financial and ₹10 non-financial post-free pricing; premium/business variants can publish larger allowances subject to relationship/AMB and stated monthly caps.Current AU schedules commonly show 5 free domestic non-AU ATM transactions before ₹23 financial and ₹10 non-financial pricing; scheme-specific exceptions must be checked.
Withdrawal limitsCard-specific examples in current schedules include Classic ₹25,000/day, Gold/Titanium ₹50,000/day and Platinum ₹1 lakh/day. Exact linked debit-card schedule controls.Daily cash amount remains the linked debit-card/account limit. The monthly free transaction count only determines whether ATM pricing applies.
Cash deposit machineIndusInd publishes CDM availability/how-to guidance, but the reviewed bankwide material does not establish one universal CDM deposit value/note limit. Cash-deposit fee entitlement remains account-schedule-specific.AU explicitly aggregates cash deposits made through Branches, ATMs/CDMs and AEPS for cash-deposit charge determination under the applicable Schedule of Charges.
Branch cashExample current savings schedule: cash deposit at home/non-home location free up to ₹2 lakh/month or 5x previous month's AMB, whichever is higher, with a 5-transaction cap; beyond limits ₹4 per ₹1,000, minimum ₹100. This is preserved as scheme-scoped, not bankwide.One current mainstream schedule example gives 5 cash-deposit transactions or ₹2 lakh/month free, whichever is earlier, followed by ₹5 per ₹1,000 with ₹100 minimum. Other AU schemes publish different allowances and must be matched individually.
Failed ATM treatmentRBI's T+5 calendar-day reversal and ₹100/day delayed-compensation baseline applies to debit-without-cash ATM failures; complaint should be lodged with the issuing bank.RBI requires T+5 calendar-day reversal when an ATM transaction debits the account without dispensing cash, with ₹100/day compensation beyond T+5; use the issuing-bank complaint route.
Charge scopeIndusInd has meaningful product-level variation and some live ₹21-vs-₹23 off-us pricing differences across pages/schedules; use the exact dated schedule for the customer's account instead of a universal bank figure.Always match the AU account variant. Branch/ATM/CDM/AEPS cash deposits share the cash-deposit counter, while ATM withdrawal free counts and card daily withdrawal limits remain separate.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

IndusInd Bank

IndusInd Bank ATM & Cash Services

  • IndusInd current schedules vary significantly by account: some show the RBI-style 3 metro/5 non-metro free structure while premium/business relationships can offer 20/50 or broader other-bank ATM withdrawals subject to balance conditions.
  • The IndusMobile Star/Super Star/Mega Star page still shows ₹21 cash-withdrawal pricing after 5 off-us transactions for some variants, while newer schedules show ₹23; the dated product schedule should control the matching account rather than one number being generalized bankwide.
  • Branch cash-deposit free limits are account-specific; a ₹2 lakh/5x-AMB example from one savings schedule must not be copied to every IndusInd product.
AU Small Finance Bank

AU Small Finance Bank ATM & Cash Services

  • AU's own-bank ATM free allowance varies by account scheme—current tables show different 5/10/20 transaction treatments—so a single bankwide number would be misleading.
  • Cash deposits across Branch, ATM/CDM and AEPS are aggregated for cash-deposit charging; customers cannot treat each channel as a separate free allowance.
  • The service-fee page contains many product tables; the exact account variant must be matched before applying cash-deposit counts/value or debit-card fee treatment.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

AU Small Finance Bank

AU Small Finance Bank ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
2
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

IndusInd Bank ATM & Cash Services

Reviewed September 10, 2026 · 4 attached first-party sources

  1. Fee / charge schedulehttps://www.indusind.com/content/dam/indusind-corporate/schedule-of-charges/savings-account/SoC-Non-comfort.pdf?trk=public_post_comment-text
  2. Fee / charge schedulehttps://www.indusind.com/content/dam/indusind-corporate/schedule-of-charges/savings-account/Schedule-of-Charges-Indus-Force--.pdf
  3. Issuer product pagehttps://www.indusind.com/in/en/microsites/indusmobile.html
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75

AU Small Finance Bank ATM & Cash Services

Reviewed September 10, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://www.au.bank.in/service-fee
  2. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75