Compare SBI Recurring Deposit and AU Small Finance Bank Recurring Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
SBI customers seeking a long-tenure disciplined savings plan with a very low ₹100 monthly starting amount and transparent missed-instalment rules.
Monthly savers comparing higher-yield small-finance-bank RD options who are comfortable checking the exact booking-date rate and tenure band.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/sbi-recurring-deposit-vs-au-bank-recurring-deposit/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
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.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | SBI Recurring Deposit | AU Small Finance Bank Recurring Deposit |
|---|---|---|
| Current rate evidence | SBI states that its RD earns the rate applicable to term deposits. The reviewed retail term-deposit schedule below ₹3 crore is effective from 15 December 2025. | Rates effective 10 June 2026 range from 4.75% to 7.40% p.a. for regular customers and from 5.25% to 7.90% p.a. for eligible resident senior citizens; the reviewed peak is 31–36 months. |
| Instalment / tenure | Minimum monthly instalment ₹100, then in multiples of ₹10; tenure from 12 months to 120 months. | Published tenures span 3 months to 120 months; NRE recurring deposits apply only from 12 months and above under the reviewed terms. |
| Compounding / deposit features | Available across SBI branches, transferable among branches, nomination available, loan/overdraft against the deposit available and maturity proceeds can be credited to a savings/current account or reinvested. | Granular tenure choices, separate senior-citizen pricing and a fixed contracted rate based on booking date/time and customer category. |
| Missed instalments / premature closure | Delayed instalments attract a stated per-₹100 monthly penalty; six consecutive missed instalments can cause premature closure. Premature withdrawal can reduce the applicable rate by 0.50% or 1% depending on principal amount. | Interest rates are subject to periodic change for new bookings; premature closure and instalment rules follow AU's current RD terms. |
| Eligibility | Eligible SBI customers under current recurring-deposit and KYC rules; senior-citizen rate treatment follows the applicable term-deposit schedule. | Resident individuals, NRO/NRE and eligible corporate recurring-deposit customers subject to product rules; senior premium is limited to eligible domestic resident senior citizens. |
| Contracted rate / booking condition | The RD's interest rate follows SBI's corresponding term-deposit rate at opening rather than a separate permanently fixed RD headline rate. | The bank states that the rate offered is based on the date and time funds are received, making effective-date tracking important when comparing AU with other banks. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | SBI Recurring Deposit | AU Small Finance Bank Recurring Deposit |
|---|---|---|
| 1 year | 6.25% · senior 6.75% | 6.35% · senior 6.85% |
| 18 months | 6.25% · senior 6.75% | 7.00% · senior 7.50% |
| 2 years | 6.40% · senior 6.90% | 7.00% · senior 7.50% |
| 3 years | 6.30% · senior 6.80% | 7.40% · senior 7.90% |
| 4 years | 6.30% · senior 6.80% | 6.75% · senior 7.25% |
| 5 years | 6.05% · senior 7.05% | 6.75% · senior 7.25% |
Schedule reference: December 15, 2025. SBI RD product page points to the corresponding term-deposit rate; anchors use the current below-₹3-crore schedule effective 15 December 2025.
Schedule reference: June 10, 2026. AU recurring-deposit table effective 10 June 2026 for resident/NRO/NRE/corporate categories, subject to category restrictions.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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One side's source depth or freshness never fills a gap in the other record.
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Reviewed September 9, 2026 · 2 attached first-party sources
Reviewed September 9, 2026 · 2 attached first-party sources