Compare YES 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 comparing higher mid-tenure rates who can lock money for the relevant tenure and want the bank's published payout-frequency flexibility.
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/yes-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
1 attached source. 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 | YES BANK Fixed Deposit | AU Small Finance Bank Regular Fixed Deposit |
|---|---|---|
| Current rate evidence | Rates effective 2 June 2026 for deposits below ₹3 crore reach 7.25% p.a. for regular customers and 7.75% p.a. for eligible senior citizens in selected tenure bands. | 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 booking amount is ₹10,000; available tenure range is 7 days to 10 years. | Minimum regular FD amount is ₹1,000; tenure choices range from 7 days to 10 years. |
| Payout / deposit features | Monthly, quarterly or maturity interest payouts, digital booking through YES Online/iris/other supported bank channels, and additional senior-citizen rates under current conditions. | Monthly, quarterly and cumulative payout options, nomination, overdraft availability, online/video/branch opening and callable or non-callable choices. |
| Liquidity / premature withdrawal | Reinvestment has a minimum tenure of 6 months and 1 day; premature withdrawal and monthly-payout calculations follow current bank terms and may reduce realised yield. | Callable FDs permit partial/premature withdrawal subject to applicable interest adjustment; non-callable FDs do not permit premature withdrawal. |
| Eligibility | Eligible depositors under YES BANK KYC rules; senior-citizen additional rates apply to eligible resident customers. | Resident and non-resident Indians, HUFs, sole proprietorships, partnerships, companies and trusts subject to the specific deposit type and KYC rules. |
| Rate / booking condition | The rate is locked according to amount, tenure and customer category at booking; larger deposits use separate rate tables. | 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 | YES BANK Fixed Deposit | AU Small Finance Bank Regular Fixed Deposit |
|---|---|---|
| 1 year | 6.65% · senior 7.15% | 6.35% · senior 6.85% |
| 15 months | 6.75% · senior 7.25% | 7.10% · senior 7.60% |
| 18 months | 6.75% · senior 7.25% | 7.00% · senior 7.50% |
| 2 years | 7.00% · senior 7.50% | 7.00% · senior 7.50% |
| 3 years | 7.00% · senior 7.75% | 7.40% · senior 7.90% |
| 4 years | 7.00% · senior 7.75% | 6.75% · senior 7.25% |
| 5 years | 6.75% · senior 7.50% | 6.75% · senior 7.25% |
Schedule reference: June 2, 2026. YES BANK retail fixed-deposit schedule below ₹3 crore.
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 · 1 attached first-party source
Reviewed September 9, 2026 · 2 attached first-party sources