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AU Zero2One Program

Top Features of AU Zero2One Program

About AU Zero2One Program

    Start-ups often face unique challenges and require tailored solutions that address their specific needs. AU Small Finance Bank’s AU Zero2One Program  is designed keeping in mind the needs of both early stage as well as established start-ups.

    AU Zero2One Program is a comprehensive program for start-ups in the field of Technology, E-commerce, Education, ITES, and Commerce etc. It is a one-stop solution that takes care of not just banking needs but provides solutions to manage all the challenges that a start-up may face during its journey.

    Why AU Small Finance Bank: We understand you!

    A first-generation bank which found its roots in financing the entrepreneurial aspirations of unreached unbanked masses of India. It's tech-first strategy based on first principles reflects a startup's approach in itself.

    With AU Zero2One program, AU Small Finance Bank is your ONE-STOP Solution to partner in your business journey seamlessly.

    • 1st generation entrepreneurial set-up
    • Digital-First tech savvy Small Finance Bank
    • Tailored solutions for banking needs of partners

Features and Benefits

Business Banking Benefits

  • AMB Waiver: AMB waiver for first 3 years
  • Cash Management Services: Keep track and manage funds cash efficiently with various options such as Virtual Account Management, Bulk Upload, Employee Salary Solutions, etc.
  • FD backed Corporate Credit Card: Enjoy the benefits of an FD backed Corporate Credit Card
  • Corporate Net Banking: Make hassle-free transactions from everywhere
  • Fee Waivers: Waiver of setup fees for Virtual Account collection (non-cash), Cheque Printing, Nach and E-Nach.
  • Overdraft Facility: Enjoy the benefits of Overdraft facility at 1% spread
  • Power-packed Debit Card: Get AU Royale Business Debit Card with 5 lakhs withdrawal and spending limits each
    • 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%
  • Preferential Processing Fee: Enjoy Preferential Processing Fee on Bank Guarantees and Letter of Credits
  • Payment Gateway: Best in Class Payment Gateway Solutions with Nil Setup and AMC fees
  • Doorstep Banking: Make the most of our cheque pickup and cash pickup/delivery facility at your registered business address^^.
  • Free Services: 20+ free services including digital payments and collections, instrument pick-up, cash withdrawals and many more.

Premium Personal Banking for Founders and Key Management Personnel

  • Premium Credit Card: Premium Credit Cards for Founders
  • State-of-the-art Digital Banking: Instant access to your funds through AU 0101 App and Net Banking.
  • Exclusive Visa Signature Debit Card: Elevate your financial transactions with our exclusive Debit Card. It comes with a host of offers*, higher withdrawal limits, and enhanced insurance coverage.
  • Lounge Access: Enjoy 8 free lounge access (2 per quarter) with our feature loaded Visa Signature Business Debit Card
  • Preferential Processing Fee: Enjoy Special Processing Fee on Auto & Personal Loans.
  • Wealth Specialist: Access to Wealth Specialist for insights
  • 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.
  • Extended banking hours: Enjoy the freedom to conduct your banking activities on your own time with extended business hours^.

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.

Value Added Services:

We understand the challenges and opportunities that startups face in today’s dynamic and competitive market. That’s why we have collaborated with several partners to offer a comprehensive suite of services and solutions to help you set up, grow and manage your business. Whether you need legal advice, accounting support, marketing assistance, or funding opportunities, we have the right partners for you. You can also benefit from the startup ecosystem that connects you with other founders and venture capitalists who can share their insights and experiences with you. With our bank, you can focus on your core business while we take care of the rest.

To know more about partner benefits, click here

Fees and charges

For complete details on fee and service charges, click here

Charges Applicable
Product Average Monthly Balance (AMB)
INR 1,00,000
Charges for Non-Maintainence of Average Monthly Balance (AMB)
Waiver for first 2 years from date of account opening.
3rd Year Onwards - If AMB is less than INR 50,000/-, then INR 1,000/-
Cash Transactions
Cash Withdrawal at any AU Bank Branch
Cash Deposit at any AU Bank Branch
Free limit per month will be Higher of following
i) Minimum INR 40 lacs; or
ii) 20 times of Previous month AMB
Maximum free limit INR 250 lacs
Charges beyond free limits is INR 4/1000 (Min. INR 50)

Free limit applicable in account opening month is INR 40 Lakhs

Note: If minimum monthly average balance is less than INR 75,000/-  then Cash Deposit free limits will not be applicable for next month. (including LDN & Coin deposits)
Low Denomination Notes (LDN) & Coins Deposit
Low Denomination Notes -
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
Unlimited Free
Local & Outstation Cheques Collections at AU 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/instance
Return Handling Charges for Other bank cheques deposited in your account but could not be processed and hence returned (Local / Oustation)
Post 10 Free instances
INR 100/Cheque
Demand Draft payable at AUFSB locations and at correspondent bank locations
DD Cancellation/ Revalidation
Rs 100 per instrument
Debit Card & Automated Teller Machine (ATM)  Uasage
Card Type
Visa Signature Business
Debit Card Annual Fees
Cross Currency Mark-up
ATM Transactions at AU Bank ATM
ATM Transactions at other bank ATM
Post 50 free Transactions,
INR 20 per financial transaction
INR 8 per non-financial transaction
ATM declines due to insufficient funds
Free at AU Bank ATMs,
INR 25/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/instance
Door-step Banking
Cash Pick-up/Delivery
On Call Service :
10 free visit per month for cash pickup
(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/- pm 
INR 2 Lacs to less than 5 lacs- INR 5000/- pm 
INR 5 Lacs to less than INR 10 lacs - INR 14000/- pm
Above INR 10 lacs- Contact Branch
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
INR 50 charged towards delivery fees
Issuance of subsequent Cheque Book
Issuance of adhoc account statement (sent through courier)
INR 50 charged towards delivery fees

Eligibility Criteria

  1. You are eligible for AU Zero2One Program if your startup falls under any of the following categories:

    • Partnership Firms
    • Limited Liability Partnerships (LLPs)
    • Private Limited Companies.
  2. Certificate issued by DPIIT (DEPARTMENT FOR PROMOTION OF INDUSTRY & TRADE) under MINISTRY OF COMMERCE & INDUSTRY is required (not mandatory)

  3. Startup Vintage should be less than 5 Years.

How to Apply

You can apply for the AU Zero2One Program by reaching out to us in any of the below ways you feel comfortable:

  • Apply online: Log on to AU Small Finance Bank’s official website and apply for AU Zero2One Program 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 AU Zero2One Program, and a representative will get in touch to guide you with further steps.
  • Kindly visit nearest branch for more details.


  1. Opening Form

  2. KYC documents as per customer constitution

  3. OVD documents of Authorized Signatories and Beneficial Owners

  4. Beneficial Ownership Declaration


  6. Undertaking from customer for credit exposure to Banking system


  8. Other applicable documents/annexures as per requirement

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