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AU Royale Business Program - Pharma

Top Features Of AU Royale Business Program - Pharma

About AU Royale Business Program - Pharma

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

    Best-in-Class Payment and Collection Solutions, Preferential pricing on loans, free pickup of instruments, 20+ free banking services, etc. are some of the privileges you get in AU Royale Business Program- Pharma from India's largest Small Finance Bank.

Features and Benefits

Benefits of AU Royale Business Program - Pharma

  • Higher Cash Deposit Limit: Enjoy higher cash deposit limit of 25 times of previous month AMB up to INR 2 Crores.
  • Cash Withdrawals: Free Cash Withdrawals at any of our Branch
  • Free Cheque leaves: Unlimited free cheque leaves to meet your business requirements.
  • Free Banking Services: Enjoy 20+ free services such as digital payments and collections, Unlimited Demand Drafts, free pickup of Instruments etc. and many more.
  • Preferential Processing Fee: Enjoy Special Processing Fee on Mudra Loans, Micro Business Loans, Bank Guarantees, Auto & Personal Loans.
  • Overdraft Facility: Enjoy the benefits of Overdraft Facility.
  • Free AU QR and special pricing on POS: Enjoy benefits of Free AU QR and special pricing on POS
  • Premium Banking Program: Group Current and Saving Accounts of your family members and ensure that their business banking needs are taken care of.
  • Power-packed Debit Card: Get AU Royale Business Debit Card with 5 lakhs withdrawal and spending limits each
    • 1% monthly cashback up to INR 200 on non-fuel spending of minimum INR 2500 p.m.
    • 8 domestic airport lounge access in a year (2 per quarter). Click here for the lounge list.
    • Lowest Cross - Currency mark-up fee at 1.5%
  • Special Series Account Number: You get the option to choose a special series account number for your account.
  • State-of-the-art Digital Banking: Instant access to your funds through AU 0101 App and Net Banking.

Other Benefits of AU Royale Business Account - Pharma

  • 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^^.
  • Royale Banking: Royale Savings account for you and your family members.
  • Loyalty Rewards: Reward points on transactions
  • Credit Card-Premium Credit card basis eligibility
  • 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.

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


Charges Applicable

Product Average Monthly Balance (AMB)

INR 1,00,000 (Grouped Current and Savings Accounts)

Charges for Non-Maintainence of Average Monthly Balance (AMB)

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 50,000/-, then the primary relationship will be charged INR 1000/-

Cash Transactions

Cash Withdrawal at any AU Small Finance Bank Branch


Cash Deposit at any AU Small Finance Bank Branch

Free limit per month will be Higher of following
i) Minimum INR 40 lacs; or
ii) 25 times of Previous month account AMB
Maximum free limit INR 200 lacs
Charges beyond free limits is INR 4/1000 (Min. INR 50)
Free limit applicable in account opening month is INR 40 Lakhs

Note :To be eligible for monthly Cash Deposit free limit, a minimum average monthly balance (AMB) of INR 50,000 is required to be maintained at grouped current and savings account level. Failure to maintain this balance will result in lapse of free Cash Deposit limits for the 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)


NEFT Payments at  Branches


RTGS Payments at Branch




UPI/ Intra Bank Fund Transfer - Payments and Collections


Cheque Book & Demand Draft (DD)

Issuance of Cheque Book


Local & Outstation Cheques Collections at AU Small Finance Bank Locations


Stop Payment of Cheques through Net / Mobile  / Phone Banking / ATM


Stop Payment of Cheques through Branches


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


DD Cancellation/ Revalidation

INR 100 per instance

Debit Card & Automated Teller Machine (ATM)  Uasage

Card Type

Visa Signature Business

Debit Card Annual Fees


Cross Currency Mark-up


ATM Transactions at AU Small Finance Bank ATM


ATM Transactions at other bank ATM

50 free transactions. Thereafter, INR 20 per financial transaction and INR 8 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


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


Other Charges

AEPS Mini Statement


SMS Insta Alerts


Issuance of Monthly and Half Yearly Email Statement


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


Issuance of adhoc account statement (sent through courier)

Rs 50 towards delivery charges

Documents Required for AU Royale Business Account - Pharma

You will need to furnish the following documents to open a AU Royale Business Program - Pharma 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
  • Drug/Pharmacist License
  • 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 Individuals.

How to apply for AU Royale Business Account - Pharma

  • Apply online: Log on to AU Small Finance Bank’s official website and apply for your AU Royale Business Account - Pharma 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 Account - Pharma, and a representative will get in touch to guide you with further steps.
  • Kindly visit nearest branch for more details.

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