Speak Now...
Higher Cash Deposit Limit
Overdraft Facility
Preferential pricing on Loans
Free QR with soundbox, preferential pricing on merchant solutions
Best-in-Class Payment and Collection Solutions
Feature Rich Royale Business Debit Card
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.
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
For complete details on fee and service charges, click here
| PARAMETERS | 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 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 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) | 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 Type | 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 |
You will need to furnish the following documents to open a AU Royale Business Program - Pharma with us:
**Not applicable for Individual and Sole Proprietorships
Business enterprises such as Private Limited and Public companies, Partnership Firms, Proprietorship firms, etc. or Individuals.
