Transaction based Current Account with monthly balance flexibility
Higher Cash Deposit limits basis previous month AMB
Cashback on monthly spends
AU Swadesh Current Account is a unique transaction-based account, designed keeping in mind the transaction behaviour and segment specific requirements. The account provides the flexibility in terms of balance maintenance and monthly transactions.
*Offers are subject to change
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.
#Cash Deposit limits will be applicable basis meeting previous month AMB criteria
Eligibility Criteria | |
Parameters | Particulars |
Product Criteria | Minimum 5 Transactions (debit or credit) and total transaction value of INR 25000/- in a month |
or | |
Average Monthly Balance of Rs 10,000 | |
Charges for Non Transaction/ Non Maintenance | Nil |
Cash Transactions | |
Cash Withdrawal at any AU Small Finance Bank Branch | Free |
Cash Deposit at any AU Small Finance Bank Branch | If product criteria is met in a month: |
i) Minimum INR 5 Lakhs; or | |
ii) 15 times of previous month AMB | |
Maximum free limit is INR 200 Lakhs | |
Charges beyond free limits is INR 4/1000 (Min. INR 50) | |
If product criteria* is not met in a month: | |
All Cash deposits will be charged @ INR 4/1000 (Min. INR 50) | |
Minimum free limit applicable in account opening month is INR 5 lakhs | |
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 (Daily)- | |
Upto INR 100 : Nil | |
Above INR 100 : 5% on entire amount of coins deposited | |
Remittances & Payments | |
NEFT /RTGS Collections & Payments (Digital) | Free |
NEFT Payments at Branches | Up to 1 Lakh : INR 2 per transaction ; Above 1 Lakh : INR 10 per transaction |
RTGS Payments at Branch | INR 10 per transaction |
IMPS | Free |
UPI/Intra Bank Fund Transfer - Payments and Collections | Free |
Cheque Book & Demand Draft (DD) | |
Issuance of Cheque Book | Free 150 leaves per month; thereafter INR 2 per leaf |
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 | INR 50 per cheque or range of cheques in series |
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) | 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) Usage | |
Card | Visa Platinum Business |
Debit Card Annual Fees | Free |
Cross Currency Mark-up | 3.50% |
ATM Transactions at AU Small Finance Bank ATM | Free |
ATM Transactions at other bank ATM | 10 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: |
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 charge will be charged. | |
Cheque Pick-up | Rs 100 per visit |
Other Charges | |
AEPS Mini Statement | Post 5 free transaction, INR 3 per transaction |
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 fees |
Issuance of subsequent Cheque Book | Free |
Issuance of adhoc account statement (sent through courier) | Rs 50 towards delivery fees |
You will need to furnish the following documents to open a Swadesh Current Account with us:
**Not applicable for Individual and Sole Proprietorships
All business enterprises (Private Limited and Public companies, Partnership Firms, Proprietorship firms, Cooperative societies, Hindu Undivided Families etc.) or Individual
*Offers are subject to change