AU Small Finance BankBank transaction-limit profile
AU Small Finance Bank Transaction Limits
A normalized AU Small Finance Bank limit profile covering the shared AU 0101 transfer table, new-payee and one-time controls, UPI device cooling, payment-gateway limits and card/cash scope.
First-party evidencePublished researchReviewed September 10, 2026Active
Product / channel scopeLimits depend on the exact AU account/card variant and configured AU 0101 customer controls; customer-set values can be lower than published maxima.
Current transaction controlsAU publishes ₹10 lakh/day for retail IMPS, NEFT, RTGS, intra-bank, Payment Gateway and Bill Payment, ₹50,000 for one-time/new-payee initial states, and ₹1 lakh/day ordinary UPI.
Fee separationTransaction ceilings are separate from applicable account/card/service charges and cash-deposit pricing.
Product / channel / security-state relationshipResearch overlay; product/account/card eligibility and fee rules remain in their own canonical records.
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
6 first-party sourcesFirst-party conflict preserved
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateRecheck approaching
Target recheck: November 9, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
Bank transaction-limit profile evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
Normalized transaction-limit map
The number is only useful when its channel, period and security state match.
Per-transaction, daily, count, product and temporary cooling limits stay separate. Reviewed September 10, 2026.
Limit scopeAU limits across retail AU 0101 App/NetBanking transfers, UPI security states, Payment Gateway, named debit cards and scheme-scoped cash handling.
Online / mobile aggregateRetail AU 0101 publishes ₹10 lakh/day for IMPS, NEFT, RTGS, intra-bank, Payment Gateway and Bill Payment; one-time transfers and new-payee first-three-hour state are ₹50,000.
UPI controlsAfter cooling, ordinary UPI is up to ₹1 lakh/day with maximum 20 P2P transactions in 24 hours; Android first 24h and iOS first 72h use lower security limits.
NEFT / RTGS / IMPSRetail IMPS/NEFT/RTGS each publish ₹10 lakh/day; RTGS retains its ₹2 lakh minimum. NEFT/RTGS have a daily 11:45 PM–12:30 AM unavailability window while IMPS remains usable.
Beneficiary / first-use stateNewly added payee is limited to ₹50,000 during the first 3 hours; one-time transfer without a saved payee also has a ₹50,000 limit.
Debit-card limitsCurrent digital limit table distinguishes card variants; reviewed Platinum card is ₹50,000 ATM/₹2 lakh purchase daily, while higher/lower variants have separate maxima. Customers can set lower limits.
ATM / cash withdrawalCard daily withdrawal value and ATM free-count pricing are separate. AU 0101 lets customers set ATM/POS/Online/Contactless controls up to the variant maximum.
Cash-deposit ceilingsAU aggregates Branch/ATM-CDM/AEPS cash deposits for tariff purposes. One mainstream schedule example uses 5 deposits or ₹2 lakh/month free; no universal machine rupee ceiling is inferred.
Effective-date ruleCurrent AU digital transaction page and support pages reviewed 10 September 2026 control; exact card/account schedules remain variant-scoped.
Conflicts / scope warningsNo conflict is manufactured between ₹10 lakh digital transfer limits and ₹1 lakh UPI because they are different rails. Variant card limits remain distinct from app transfer ceilings.
| Scope / channel | Limit rule | Period / state |
|---|---|---|
| Retail AU 0101 IMPS · AU 0101 App / NetBanking | ₹10 lakh/day. | per day · Current |
| Retail AU 0101 NEFT · AU 0101 App / NetBanking | ₹10 lakh/day; unavailable 11:45 PM–12:30 AM daily. | per day · Current |
| Retail AU 0101 RTGS · AU 0101 App / NetBanking | ₹10 lakh/day with ₹2 lakh minimum; unavailable 11:45 PM–12:30 AM daily. | per day · Current |
| Newly added payee · AU 0101 App / NetBanking | ₹50,000 maximum during the first 3 hours after adding the payee. | first 3 hours · Current |
| One-time transfer · AU 0101 App / NetBanking | ₹50,000 one-time transfer limit. | per day · Current |
| Ordinary UPI after cooling · AU UPI | Up to ₹1 lakh/day with maximum 20 P2P transactions in 24 hours. | 24 hours · Current |
| UPI registration — Android · AU UPI | First 24 hours: ₹5,000 or 20 transactions, whichever is reached first. | first 24 hours · Current |
| UPI registration — iOS · AU UPI | First 72 hours: ₹5,000 or 20 transactions per 24-hour period, whichever is reached first. | first 72 hours · Current |
| AU 0101 NetBanking Payment Gateway · AU 0101 NetBanking | ₹10 lakh daily payment limit; customer can modify lower/higher within bank-enabled controls. | per day · Current |
| Visa Platinum Debit Card · ATM / POS-e-commerce | Reviewed AU Platinum: ₹50,000 ATM cash withdrawal/day and ₹2 lakh purchase/day. | per day · Current |
| Debit-card channel controls · AU 0101 App / NetBanking | Customer can set ATM, POS, Online and Contactless limits up to the maximum enabled for the card variant. | customer-set · Current |
| Mainstream account cash-handling example · Branch / ATM-CDM / AEPS | Example current schedule: 5 cash-deposit transactions or ₹2 lakh/month free, whichever earlier; channels are aggregated. | per month · Current |
Maintained terms
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Fee separationTransaction ceilings are separate from applicable account/card/service charges and cash-deposit pricing.
Product / channel scopeLimits depend on the exact AU account/card variant and configured AU 0101 customer controls; customer-set values can be lower than published maxima.
Normalized limit coverageOne current-source map of AU 0101 transfer, UPI, card and cash thresholds with clear distinction between steady-state and first-use states.
Current transaction controlsAU publishes ₹10 lakh/day for retail IMPS, NEFT, RTGS, intra-bank, Payment Gateway and Bill Payment, ₹50,000 for one-time/new-payee initial states, and ₹1 lakh/day ordinary UPI.
Who / what the limits apply toEligible AU customers using AU 0101 App/NetBanking, UPI or the named debit-card variant.
Product / channel / security-state relationshipResearch overlay; product/account/card eligibility and fee rules remain in their own canonical records.
Fit & cautions
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
AU customers who want the exact retail AU 0101, UPI, debit-card and new-payee limit rather than a generic ₹10 lakh digital ceiling.
- The ₹10 lakh AU 0101 ceiling does not raise the ₹1 lakh ordinary UPI limit.
- The ₹50,000 new-payee rule applies only during the first three hours; one-time transfer has its own ₹50,000 limit.
- Debit-card maxima differ by card variant and can be set lower by the customer.
Maintained comparisons
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
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Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
First-party source ledger
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
01
Primary product / service sourcewww.au.bank.in
Open source ↗02Additional first-party evidencewww.au.bank.in
Open source ↗03Additional first-party evidencewww.au.bank.in
Open source ↗04Additional first-party evidencewww.au.bank.in
Open source ↗05Additional first-party evidencewww.au.bank.in
Open source ↗06Additional first-party evidencewww.au.bank.in
Open source ↗Current-use rule
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
Research boundary
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.