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AMB Waiver for the first 3 years
FD backed Corporate Credit Card
Overdraft Facility
Best in Class Cash Management and Payment Gateway solutions
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.
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.
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
For complete details on fee and service charges, click here
| PARAMETERS | Charges Applicable |
| Product Average Monthly Balance (AMB) | INR 1,00,000 |
| Charges for Non-Maintainence of Average Monthly Balance (AMB) | Waiver for first 3 years from date of account opening. |
| 4th Year Onwards - If AMB is less than INR 50,000/-, then INR 1,000/- | |
| Cash Transactions | |
| Cash Withdrawal at any AU Bank Branch | Free |
| Cash Deposit at any AU Bank Branch | Free limit per month will be Higher of following |
| i) Minimum INR 30 lacs; or | |
| ii) 15 times of Previous month 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 30 Lakhs | |
| Note: If minimum monthly average balance is less than INR 50,000/- 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) | 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 | Unlimited Free |
| Local & Outstation Cheques Collections at AU 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 / 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 | Free |
| DD Cancellation/ Revalidation | Rs 100 per instrument |
| 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 Bank ATM | Free |
| ATM Transactions at other bank ATM | Post 50 free Transactions, |
| INR 21 per financial transaction | |
| INR 10 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 | Free |
| 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 | 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 | Free |
| Issuance of Duplicate Passbook | Free |
| Charge Slip Retrieval | Free |
| Outstation Cheque Collection - Corresponding & other Bank locations | INR 50 charged towards delivery fees |
| Issuance of subsequent Cheque Book | Free |
| Issuance of adhoc account statement (sent through courier) | INR 50 charged towards delivery fees |
You are eligible for AU Zero2One Program if your startup falls under any of the following categories:
Certificate issued by DPIIT (DEPARTMENT FOR PROMOTION OF INDUSTRY & TRADE) under MINISTRY OF COMMERCE & INDUSTRY is required (not mandatory)
Startup Vintage should be less than 5 Years.
You can apply for the AU Zero2One Program by reaching out to us in any of the below ways you feel comfortable:
Opening Form
KYC documents as per customer constitution
OVD documents of Authorized Signatories and Beneficial Owners
Beneficial Ownership Declaration
FATCA CRS
Undertaking from customer for credit exposure to Banking system
Certificate issued by DPIIT (DEPARTMENT FOR PROMOTION OF INDUSTRY & TRADE) under MINISTRY OF COMMERCE & INDUSTRY (non-mandatory)
Other applicable documents/annexures as per requirement
