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AU Swadesh Savings Account

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Top Features Of AU Swadesh Savings Account

About AU Swadesh Savings Account

     

    Savings Account for a better tomorrow. Embrace a brighter and prosperous future with the power of savings tailored for you. Enjoy high interest rates with monthly interest payments that make your money work harder.

    But that’s not all – every spend through debit card & AU0101 app can yield more savings for you. Join the Swadesh family today and watch your savings bloom.

Features and Benefits

Features of AU Swadesh Savings Account

  • High interest rates: Earn up to 7.25%* p.a. on your AU Swadesh Savings Bank Account & receive monthly interest payouts. For details, visit Savings Account Interest Rates
  • Cashback on Spends: Now get Cashback of upto 5% on debit card spends and transactions done on AU 0101 App for bill payment and recharges, max upto INR 1000 per month. (Fuel spends will be capped at INR 10,000 per month)
  • Domestic Airport Lounge Access: Complimentary access to select domestic airport lounges by using your RuPay Platinum Debit Card ( 2 per qtr). For complete lounge list, click here.
  • Fuel Surcharge Waiver: Waiver for fuel transactions done across all fuel stations in the country (Maximum INR 100 per month).

Benefits of AU Swadesh Savings Account

  • Feature-rich Debit Card: Get a RuPay Platinum Debit Card providing purchase protection, enhanced insurance coverage, and higher purchase and ATM cash withdrawal limit of INR 2 Lakhs.
  • Flexibility of balance maintenance: Enjoy the benefits of meeting your account balance requirement either through savings account balance or with Fixed Deposits.
  • Paperless Banking: Enjoy the convenience of depositing funds into your account without the hassle of using a deposit slip.
  • Wide range of product & Services: Our wide array of products includes lockers, Demat, Mutual Funds, Insurance, asset products & insurance. We are a one-stop-shop for all your needs!
  • State of Art digital Banking: Enjoy 24x7 access to your funds through AU 0101 App or AU 0101 NetBanking. What’s more, you can even book flights, hotels & cabs, recharge your mobile, and apply for a host of products and services.
  • Tap & Go: A contactless Debit Card allows you to make transactions up to INR 5,000 in India without the need to enter a PIN.

* Terms and Conditions apply. Rates are subject to change at the sole discretion of AU Small Finance Bank.

Note: This product is available only in select AU Small Finance Bank branches. Click here to view the branches.

# T&C Apply. To know more about the cashback offer, click here.

Fees & charges of AU Swadesh Savings Account

We, India's largest Small Finance Bank, believe in complete transparency and provide you with a list of charges for the services we offer. Depending on the type of Savings Account you have opened, these include charges for your Debit Card, payment and collection services, transactions, and delivery fees. For more details, please refer to our Service Fee Reckoner.

Eligibility Criteria

  • If you reside in India and have the necessary KYC documents issued by the government, you can open a AU Swadesh Savings Account with us.
  • Customer can maintain Average Quarterly Balance (AQB) of INR 10,000 in your savings account or Fixed Deposit of INR 1,00,000

How to apply for AU Savings Account?

You can open an account with us through any of these options:

Visit your nearest branch: Walk into your closest branch with your KYC documents and passport-sized photographs. You can fill in the application form at the branch to get the process started.

Call Customer Care: You can also apply for AU Swadesh Savings Account by calling our customer care number 1800-1200-1200.

Documents required for AU Swadesh Savings Account

You need to have the following documents to open an AU Swadesh Savings Account:

Duly filled application form

Passport size photographs

Identity proof: Passport, voter ID, etc.

Address proof: Aadhaar Card, passport, driving license etc.

FAQs

 

Q1. What is AU Swadesh Savings Account?

With Swadesh Savings Account you can embrace a brighter and prosperous future with the power of savings tailored for you. Enjoy high interest rates with monthly interest payouts.

But that’s not all, every spend through debit card & AU 0101 app can yield more savings for you with up to 5% cashback (Max. INR 1,000 per month.)

Q2. What is the product criteria for AU Swadesh Savings Account?

AU Swadesh Savings account provides you the flexibility to maintain balances in Savings account or Fixed Deposits. You can maintain an average quarterly balance of INR 10,000 in your Savings Account or have fixed deposit of INR 1 lakhs.

Q3. On what debit card transactions will I get cashback?

A customer will get 5% cashback on all his/her transactions done via debit card and on recharges/ bill payments done through AU 0101, will be capped at INR 1000 p.m. Fuel transactions will be capped at INR 10,000.

Product eligibility criteria needs to be maintained for the cashback. If customer does not maintain the product criteria for any particular quarter, then customer shall not be eligible for cashback in the subsequent quarter.

Q4. How can I open AU Swadesh Savings Account?

This account can be opened in select AU Small Finance branches only.

Q5. What are the charges for cash deposit and cash withdrawal in AU Swadesh Savings Account?

Cash deposit limit is 3.5 Lakh and Unlimited cash withdrawal in AU Swadesh Savings Account.

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