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AU Royale Business Program


Top Features Of AU Royale Business Program - Doctors

About AU Royale Business Program - Doctors

    AU Royale Business Program- Doctors is specially designed to offer Doctors like you a superior banking experience with features that suit your lifestyle and goals. You can group your business and family accounts under one umbrella and share the amazing privileges with your loved ones.

    Preferential pricing on banking services, beyond banking solutions, 20+ free banking services, domestic lounge access are some of the privileges you get in AU Royale Business Program from India's largest Small Finance Bank.

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Features and Benefits

Features and Benefits of AU Royale Business Program - Doctors

  • Premium Banking Program: Group Current and Saving Accounts of your family members and ensure that their business banking needs are taken care of.
  • Special Series Account Number: You get the option to choose a special series account number for your account.
  • Free Cheque leaves: Unlimited free cheque leaves to meet your business requirements.
  • Free Value-Added Services: Enjoy 20+ free services such as Cash withdrawals, digital payments and collections and many more.
  • Free AU QR and special pricing on POS: Enjoy benefits of Free AU QR and special pricing on POS
  • Power-packed Debit Card:Get AU Royale Business Debit Card with 5 lakhs withdrawal and spending limits each
    1. 8 domestic airport lounge access in a year (2 per quarter). Click here for the lounge list.
    2. Lowest Cross - Currency mark-up fee at 1.5%
  • State-of-the-art Digital Banking: Instant access to your funds through AU 0101 App and Net Banking.
  • Best-in-Class Payment and Collection Solutions
  • Reward Points: Earn reward points on Transactions*
  • Dedicated Relationship Manager: Enjoy the services of a dedicated Relationship Manager who will act as the single point of contact for you and your entire family.

Other Benefits of AU Royale Business Program - Doctors

  • Value Added Offers: Value added offers to make your business seamless and easy. Customer records, Invoicing, Clinic management etc made a lot easier with exciting solutions from our partner. Click here to know more.
  • Preferential Processing Fee: Enjoy special processing fees on business loans, personal loans and auto loans, etc.
  • Extended banking hours: Enjoy the freedom to conduct your banking activities on your own time with extended business hours^.
  • Doorstep Banking: Make the most of our cheque pickup and cash pickup/delivery facility at your registered business address^^.

For more details on product features and documentation, please contact your nearest branch or call us on toll-free number 1800 1200 1200.

^^Available at select locations

^Not applicable in some select locations. To know your branch timings, click here.

For offer related T&C's please click here

T&C Apply

Fees and Charges

For complete details on fee and service charges, click here.

Parameters Particulars
Eligibility Criteria
Minimum Average Monthly Balance (Grouped Current & Savings Account) INR 1,00,000
Fees for Non-Maintenance of balance Nil for M+3 months (where M is the account opening month)
If balance maintained across grouped current and savings accounts is less than INR 1,00,000/-, then the primary relationship will be charged INR 1000/-
Cash Transactions
Cash Withdrawal at any AU Small Finance Bank Branch Free
Cash Deposit at any AU Small Finance Bank Branch Free limit per month will be Higher of following
i) Minimum INR 20 lacs; or
ii) 25 times of Previous month account AMB
Maximum free limit INR 100 lacs
Charges beyond free limits is INR 4/1000 (Min. INR 50)
Free limit applicable in account opening month is INR 20 Lakhs
Note: If minimum monthly average balance is less than INR 50,000/- in grouped current accounts, then cash deposit free limit will not be applicable for next month.
Low Denomination Notes (LDN) & Coins Deposit Low Denomination Notes (Daily) -
Upto INR 10 Thousand : Nil
Above INR 10 Thousand  : 0.5% of the LDN deposited
(Min Amount : INR 50/-)
Coins -
Upto INR 100 : Nil
Above INR 100 : 5% on entire amount of coins deposited to charged
Remittances & Payments
NEFT /RTGS Collections  & Payments(Digital) Free
NEFT Payments at  Branches Free
RTGS Payments at Branch Free
IMPS  Free
UPI/ Intra Bank Fund Transfer - Payments and Collections Free
Cheque Book & Demand Draft (DD)
Issuance of Cheque Book Free
Local & Outstation Cheques Collections at AU Small Finance Bank Locations Free
Stop Payment of Cheques through Net / Mobile  / Phone Banking / ATM Free
Stop Payment of Cheques through Branches Free
Instrument / Instruction issued such as Inward Cheque / ECS/ NACH/) from your account, returned due to Insufficient Funds INR 500 per instance
Return Handling Charges for Other bank cheques deposited in your account but could not be processed and hence returned (Local / Oustation) Free 10 cheques per month, thereafter INR 100 per cheque
Demand Draft payable at AUFSB locations and at correspondent bank locations Free
DD Cancellation/ Revalidation INR 100 per instance
Debit Card & Automated Teller Machine (ATM)  Uasage
Card Visa Signature Business
Debit Card Annual Fees Free
Cross Currency Mark-up 1.50%
ATM Transactions at AU Small Finance Bank ATM Free
ATM Transactions at other bank ATM 50 free transactions. Thereafter, INR 21 per financial transaction and INR 10 per non-financial transaction
ATM declines due to insufficient funds Free at AU Small Finance Bank ATMs, INR 25 per instance at Other Bank ATM
ATM Transactions at other bank ATMs outside India Financial  - INR 100 per instance ; Non-Financial  -  INR 25 per instance
ATM Pin Generation Free
Replacement of lost / stolen card INR 150 per instance
Door-step Banking
Cash Pick-up/Delivery^ On-Call Service:
10 free visit per month (upto INR 5 lacs per visit), thereafter -
Upto INR 2 Lacs - INR 750/-
INR 2 Lacs to less than INR 5 lacs - INR 1100/-
INR 5 Lacs to less than INR 10 lacs - INR 1800/-
Above 10 lacs - Contact Branch
Beat Service:
Upto INR 2 Lacs - INR 2000/- per month
INR 2 Lacs to less than 5 lacs- INR 5000/- per month
INR 5 Lacs to less than INR 10 lacs - INR 14000/- per month
Above INR 10 lacs- Contact Branch
Note : Branch Cash deposit/withdrawal not considered. For Beyond City limit locations, actual charges will be charged.
Cheque Pick-up Free
Other Charges
AEPS Mini Statement Free
SMS Insta Alerts Free
Issuance of Monthly and Half Yearly Email Statement Free
Issuance of adhoc account statement from Branch
Issuance of Duplicate Passbook
Charge Slip Retrieval
Outstation Cheque Collection - Corresponding & other Bank locations Rs 50 towards delivery charges
Issuance of subsequent Cheque Book Free
Issuance of adhoc account statement (sent through courier) Rs 50 towards delivery charges

Documents Required for AU Royale Business Program - Doctors

You will need to furnish the following documents to open a AU Royale Business Account - Doctors with us:

  • Duly filled Account Opening Form
  • PAN (Permanent Account Number) of Entity (In case of Sole Proprietorships, Proprietor PAN is required)
  • KYC documents of the entity as per customer type
  • Address proof in the name of the entity if different from entity proof
  • Official valid documents of authorized signatories & beneficial owners**
  • Beneficial ownership** declaration
  • Initial funding cheque as per account variant
  • Hospital/ Clinic certificate or Doctor registration certificate
  • Credit facility declaration

**Not applicable for Individual and Sole Proprietorships

Eligibility Criteria

Business enterprises such as Private Limited and Public companies, Partnership Firms, Proprietorship firms, etc. or Individual professionals.

How to apply for AU Royale Business Program - Doctors

  • Apply online: Log on to AU Small Finance Bank’s official website and apply for your AU Royale Business Program - Doctors by filling in your details in the online form. A representative will contact you to complete the process.
  • Call customer care: Call our customer care number 1800-1200-1200 to apply for an AU Royale Business Program - Doctors, and a representative will get in touch to guide you with further steps.
  • Kindly visit nearest branch for more details.

*Not applicable for Individual and Sole Proprietorships


Q1. What is a AU Royale Business Program - Doctors?

AU Royale Business Program- Doctors is a business program specially curated for Doctors that brings you, best-in-class banking experience and solutions with a host of benefits and privileges. This program entitles you to a distinctive AU Royale Business Debit Card (only for eligible customers), with benefits like 2 free movie tickets and 2 airport lounge access opportunities per quarter. Plus, you get delightful pricing benefits on QR, POS, Car Loans and Lockers etc.

Q2. What Does Grouping mean in AU Royale Business Program - Doctors?

A group in a AU Royale Business Program - Doctors is defined as a family of blood relationships such as parents, children, spouse, siblings, grandparents, and grandchildren. All family members are entitled to the same benefits. A maximum of 10 members/entities are allowed in a group.

Q3. What is the minimum balance requirement in a AU Royale Business Program - Doctors and what happens if in case the balance falls below the required limit?

You need to maintain INR 1 Lac of Average Monthly Balance across all grouped Current and Savings Accounts. Failure to meet the balance criteria could lead to applicable charges being levied. For more information on the same, kindly refer to the AU Royale Business program - Doctors Service Fee Reckoner

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