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AU Royale Business

Top features of AU Royale Business Program

    About AU Royale Business Program


    AU Royale Business program offers superior banking experience and best in class solutions with a host of benefit and privileges. Family banking, special pricing on business products, domestic airport lounge access are some perks you get with this account from India’s best Small Finance Bank.

Features and Benefits

Features of AU Royale Business Program

  • Power-packed Debit Card: Get AU Royale Business Debit Card with 5 lakhs withdrawal and spending limits each
    • 1% monthly cashback up to INR 200 on non-fuel spending of minimum INR 2500 p.m.
    • 8 domestic airport lounge access in a year (2 visits per quarter). Click here for the lounge list.
    • Lowest Cross - Currency mark-up fee at 1.5%
    • Higher Insurance Coverages
      • Card Liability Cover - INR 5 lacs
      • Purchase Protection - INR 50000
      • Air Accident Cover - INR 1 crore
      • Personal Accident Cover - INR 10 lacs
      • Loss of Baggage - INR 2 Lakhs
    • Exclusive VISA offers. Click here to know more
  • 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.
  • Special Series Account Number: You get the option to choose a special series account number for your account.
  • Family Banking Program: Group Current and Saving Accounts of your family members and ensure that their business banking needs are taken care of.
  • Fee Waivers: Waiver of setup fees for Virtual Account collection (non-cash), Cheque Printing, Nach and E-Nach.
  • Preferential Processing Fee: Special Processing Fee on Bank Guarantees, letter of Credit, Auto and Personal Loans.
  • State-of-the-art Digital Banking: Instant access to your funds through AU 0101 App and NetBanking. What’s more, you can even book flights, hotels & cabs, recharge your mobile, and apply for a host of products and services. 

Benefits of AU Royale Business Current Account

  • Higher Cash Deposit Limit: Enjoy higher cash deposit of 25 times of previous month AMB up to INR 5 Crores.
  • Free Cheque leaves: Unlimited free cheque leaves to meet your business requirements.
  • Exclusive Debit Card: Get an exclusive Royale Business Debit Card with host of offers, higher withdrawal limits & enhanced insurance coverage.
  • Seamless banking: Experience an exclusive Royale Service desk at our branch for priority processing and get priority access to our phone banking services.
  • Extended banking hours: Enjoy the freedom to conduct your banking activities on your own time with extended business hours^.
  • Doorstep banking: Make the most of our cheque pickup and cash pickup/delivery facility at your registered business address^^. 
  • No deposit slips: Our services are more convenient as no deposit slips are required to make deposits.

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.

Service Fees for AU Royale Business Current Account

As India's largest Small Finance Bank, we believe in complete transparency and provide you with a list of charges for the services offered. 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 for AU Royale Business Program

  • The applicant and/or the entire family’s Current Accounts linked to a group must maintain a cumulative average monthly balance of more than INR 5,00,000.
  • For Partnerships, LLP, Private Limited, Public Limited, OPC only savings account of the Authorized signatory and/or Directors/Partners and group company current accounts can be grouped. For Individual, proprietorship and HUF family saving accounts can be grouped.
  • Only eligible Current & Savings Accounts of close/blood related family members can be grouped.
  • Grouping of accounts will be done at the sole discretion of the Bank.

How to apply for the AU Royale Business Program?

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

  • 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 Royale Savings Account by calling our customer care number at 1800-1200-1200.

Documents required for AU Royale Business Current Account.

  • You will need to furnish the following documents to open a Royale Business Current Account with us:
  • Duly filled Account Opening Form
  • PAN Number of Entity (In Sole Proprietorships, same is required of Proprietor)
  • KYC documents of the entity as per customer type
  • Address proof in the name of the entity if different from entity proof
  • Official Valid Documents of Authorized Signatories & Beneficial Owners*
  • Beneficial Ownership* Declaration
  • Initial funding cheque as per Current Account package
  • Credit facility declaration
  • Customer Consent Form


Q1. What is an AU Royale Business Program?

AU Royale Business Program is our flagship Business program that brings you, best-in-class banking experience and solutions with a host of benefits and privileges. This program entitles you to a distinctive AU Royale Business Debit Card (only for eligible customers), with benefits like 2 free movie tickets and 2 airport lounge access opportunities per quarter. Plus, you get delightful pricing benefits on, LC/BG, payment gateways, QR, POS, Car Loans, Lockers, and a Relationship Manager who takes care of all your financial needs. What’s more, your chequebook and Debit Card are specially branded, just the way our Royale Business customers are special to the Bank.

Q2. What Does Grouping mean in AU Royale Business Program?

A group in an AU Royale Business Program is defined as a family of blood relationships such as parents, children, spouse, siblings, grandparents, and grandchildren. All family members are entitled to the same benefits. A maximum of 10 members/entities are allowed in a group.

Q3. What is the Minimum balance requirement in AU Royale Business Program and what happens if in case the balance falls below the required limit?

You need to maintain INR 5 Lac Average Monthly Balance across all grouped Current Accounts. Failure to meet balance criteria could lead to applicable charges being levied. For more information on the same, kindly refer to the AU Royale Business Service Fee Reckoner

For offer related T&C's please click here

T&C Apply

* Not applicable for Individual and Sole Proprietorships


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