Compare Federal Bank Fixed Deposit and AU Small Finance Bank Regular Fixed Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Depositors who want a low entry amount, flexible payout choices and a bank that publishes both ordinary and non-callable deposit rates in one current rate resource.
Rate-sensitive depositors who are comfortable with a small finance bank and want to compare callable liquidity, payout choices and the current tenure-specific rate before booking.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/federal-bank-fixed-deposit-vs-au-bank-regular-fixed-deposit/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Federal Bank Fixed Deposit | AU Small Finance Bank Regular Fixed Deposit |
|---|---|---|
| Current rate evidence | Resident term-deposit rates effective 17 August 2026 reach 6.70% p.a. for general customers and 7.20% p.a. for senior citizens at the reviewed 48-month tenor. | For deposits below ₹3 crore, general-customer rates effective 1 September 2026 reach 7.40% p.a.; the reviewed senior-citizen table reaches 7.90% p.a. in the applicable tenure band. |
| Tenure / deposit band | Minimum ordinary fixed-deposit amount is ₹1,000; tenures range from 7 days to 10 years under the reviewed product page. | Minimum regular FD amount is ₹1,000; tenure choices range from 7 days to 10 years. |
| Payout / deposit features | Monthly, quarterly, half-yearly, yearly or maturity payout choices, auto renewal, nomination and loans against eligible deposits up to 90% under current product terms. | Monthly, quarterly and cumulative payout options, nomination, overdraft availability, online/video/branch opening and callable or non-callable choices. |
| Liquidity / premature withdrawal | Premature withdrawal and non-callable Deposit Plus products have separate rules; Deposit Plus requires a much higher minimum amount and does not allow pre-closure. | Callable FDs permit partial/premature withdrawal subject to applicable interest adjustment; non-callable FDs do not permit premature withdrawal. |
| Eligibility | Individuals, joint individuals, minors through guardians, HUFs, sole proprietorships and other eligible entities under current Federal Bank rules. | Resident and non-resident Indians, HUFs, sole proprietorships, partnerships, companies and trusts subject to the specific deposit type and KYC rules. |
| Rate / booking condition | Customers can book through branch, FedNet or FedMobile depending on eligibility and relationship. | The final rate depends on booking date/time, tenure, amount and customer category; senior-citizen premiums apply only to eligible resident individuals. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | Federal Bank Fixed Deposit | AU Small Finance Bank Regular Fixed Deposit |
|---|---|---|
| 1 year | 6.25% · senior 6.75% | 6.35% · senior 6.85% |
| 15 months | 6.65% · senior 7.15% | 7.10% · senior 7.60% |
| 18 months | 6.40% · senior 6.90% | 7.00% · senior 7.50% |
| 2 years | 6.40% · senior 6.90% | 7.00% · senior 7.50% |
| 3 years | 6.50% · senior 7.00% | 7.40% · senior 7.90% |
| 4 years | 6.70% · senior 7.20% | 6.75% · senior 7.25% |
| 5 years | 6.40% · senior 6.90% | 6.75% · senior 7.25% |
Schedule reference: August 17, 2026. Federal Bank resident term-deposit schedule for retail deposits.
Schedule reference: September 1, 2026. AU Small Finance Bank regular callable retail fixed-deposit schedule.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.
One side's source depth or freshness never fills a gap in the other record.
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 2 attached first-party sources
Reviewed September 9, 2026 · 2 attached first-party sources