Key Takeaways

AU Small Finance Bank offers different accounts with varying minimum balance needs, starting from zero balance to ₹5,00,000.
Customers can choose a salary, student, value, platinum, royale, or digital accounts depending on their financial ability.
Non-maintenance charges are percentage-based on the shortfall, with caps for urban and core branches.
Easy balance check options: missed call, AU 0101 mobile app, and internet banking.
Zero-balance accounts are the safest choice for people with limited or unstable incomes.

Bonus Point: AU Small Finance Bank has become the first Small Finance Bank to receive the RBI’s in-principle approval to transition into a Universal Bank.

The minimum balance is the lowest amount that customers must keep in their savings account every month to avoid penalties.

Akshay wants to know the minimum balance for AU Small Finance Bank. Because his monthly salary is only ₹ 20,000. From this, he spends the following for a month:

₹ 3,000 for room rent
₹ 4,000 for fuel
₹ 3,000 for mess
₹ 2,000 should be sent to his home.

With the remaining amount, ₹8,000, he should use it wisely for other expenses. What if he depletes all of his savings account balance? So he wants to find out which account of AU Small Finance Bank is suitable for him?

This blog explains the AU Small Finance Bank's minimum balance.

What is Minimum Balance?

A minimum balance is an amount designated by the concerned banks which their customers need to maintain every month. Even a slight shortage can attract penalties. Akshay’s salary is only ₹ 20,000. The bank may expect him to maintain ₹ 2,000 as the minimum balance.

Suppose, let’s say, Akshay’s salary is ₹ 1,10,000 per month. He can opt for premium savings bank accounts, which require the account holder to maintain at least a minimum balance of ₹ 10,000 for a month. Such a premium account comes with many offers:

At least 4% interest rates
Unlimited Cash withdrawals and deposits through the bank
Unlimited Cash withdrawals and deposits through the ATM.

These features ensure easy access to your money with high interest rates and unlimited transactions, offering complete banking convenience.

Minimum Balance Requirement by AU Small Finance Bank

When Akshay decides to have a savings bank account in AU Small Finance Bank, he explores its different types of savings accounts, which can match his capability to maintain the balance.

Let’s see what the different types of savings bank accounts from AU Small Finance Bank can suit him?

1. AU Digital Savings Account

Akshay can easily open this account at any time and from any place. Because all the KYC processes are done online from the bank’s official website. The following features from this account help Akshay to manage his finances:

Monthly Interest: He can receive 6.75% interest on his savings every year.
Minimum Balance: This is a zero-balance account, and even if his savings are drained, there are no penalties for that.
Digital Banking: Suppose he wants to send ₹10,000 to another account, he can do it from the bank’s official app.

These benefits make the account ideal for hassle-free savings, zero penalties, and easy digital transactions anytime, anywhere.

2. AU Royale Savings Account

Akshay can have this account only if he can maintain the minimum balance of ₹ 1,00,000. This account also includes the following features:

Monthly Interest: He can receive 6.75% of interest on his savings every year.
Minimum Balance: Akshay should maintain a minimum balance of ₹ 1,00,000.
Special Offers: He can avail of a buy one and get one ticket offer if bookings are made through BookMyShow.
Lounge Access: Akshay can enjoy 8 domestic airport lounge accesses per year, but only 2 visits in a financial quarter.

These features offer Akshay a perfect mix of high interest, premium lifestyle benefits, and travel comfort with smart savings.

3. AU Royale World Savings Account

This is a prestige savings account, for which Akshay should maintain at least a monthly balance of ₹ 5,00,000. The following features explain why this account is prestigious:

Monthly Interest: He can receive 6.75% interest on his savings every year.
Zero-Markup Charges: Akshay does not need to pay markup charges for foreign transactions.
Lounge Access: He can get 8 complimentary domestic and 6 international lounge accesses in a year.
Dining Discounts: Akshay can avail special discounts like a 50% discount or 10% cashback at select international restaurants using this account’s debit card.

These premium benefits make the AU Royale World Savings Account ideal for Akshay, offering high returns, global perks, and exclusive lifestyle privileges.

4. AU Platinum Saving Account

For this account, Akshay needs to maintain a monthly balance of ₹ 25,000. Apart from this, some interesting features can be availed by him:

Monthly Interest: He can receive 6.75% interest on his savings every year.
Add-Up Facility: Akshay can add up to 3 members of his family as the joint holder.
Loan Offers: As an accountholder, Akshay can save 50% of the processing fees for the loan.

With affordable balance requirements and added family and loan benefits, this account offers Akshay great value and smart savings.

5. AU Savings Account – Value

This is the basic savings account from this Bank, in which Akshay needs to maintain a monthly balance of ₹ 5,000. The following limited features still make this savings account more interesting.

Monthly Interest: He can receive 6.75% interest on his savings every year.
Debit Card: This account comes with a Visa Gold Debit Card, which consists of vast benefits.
24/7 Banking Service: Suppose if Akshay wants to transfer ₹ 15,000 to another person, he can do it immediately through the official banking app.

Despite being a basic account, it offers Akshay high interest, a feature-rich debit card, and easy 24/7 digital access.

6. AU Student Account

This account is exclusively made for students. If Akshay is a student, he can opt for this account. There are some features that he can avail himself of from this account type:

Monthly Interests: Even Akshay, as a student, can receive 6.75% interest on his savings every year.
Debit Card: All students, like Akshay, are provided with a RuPay Debit Card.
Monthly Balance: This is a zero balance account, which reduces the stress to maintain a lump sum amount for students like Akshay.

Now, he wants to know the details of the salary account. So he accesses the bank’s website and finds the following types of salary accounts.

1. AU Salary Account Value

This is a basic salary account for which Akshay does not need to maintain any monthly balance. The following features make his account quite popular:

Debit Card: This account comes with a platinum debit card, from which Akshay can avail himself of many discounts and offers.
Freebies on Banking: Akshay can enjoy unlimited free Demand Drafts and Free Payable Cheques.
Personal Accident Death Coverage: Akshay gets a death coverage of ₹ 2,00,000.
Air Accident Death: Under this category, he gets ₹ 5,00,000 as compensation.
Demat Account: With this account, Akshay can open a Demat account for free of cost for 1st year.

This zero-balance salary account gives Akshay a well-rounded banking experience with strong insurance cover, investment benefits, and valuable freebies.

2. AU Salary Platinum Account

This is a premium account with zero monthly balance. But still, there are some features which Akshay can avail himself of:

Debit Card: This account comes with a platinum debit card, which is lifetime free, allowing Akshay to not pay any annual or maintenance fees
Unlimited Cash Transactions: Akshay can have unlimited ATM transactions at all banks
Personal Accident Death Coverage: Akshay gets a death coverage of ₹ 5,00,000.
Air Accident Death: Under this category, he gets ₹ 50,00,000 as compensation.
Freebies on Banking: Akshay can enjoy unlimited free Demand Drafts and Free Payable Cheques.
Locker Rent: Akshay can avail a 50% discount on locker rents for a lifetime.

With premium features like a lifetime-free debit card, high insurance coverage, and exclusive banking privileges, this account offers Akshay maximum value at zero balance.

Non-Maintenance Charges

There are non-maintenance charges that Akshay should adhere to, irrespective of its account types:

Account Type Name	Fees
AU Digital Savings Account	NA
AU Royale Savings Account and AU Royale World Savings Account	6% of the shortfall amount, with a maximum of ₹ 700.
	Example: If Akshay has a shortfall of ₹ 100, then the bank credits ₹ 6 of the shortfall amount.
AU Platinum Saving Account	6% of the shortfall amount, with a maximum of ₹ 500.
AU Platinum Saving Account	Example: If Akshay has a shortfall of ₹ 1,000, then the bank credits ₹ 60 of the shortfall amount.
AU Savings Account – Value	Urban Branch: 6% of the shortfall amount, with a maximum of ₹ 500. Core branch: 6% of the shortfall amount, with a maximum of ₹ 250
AU Savings Account – Value	Example: If Akshay has a shortfall of ₹ 2,000 in the core branch, then the bank credits ₹ 120 of the shortfall amount.
AU Student Account	NA

This table helps Akshay understand the non-maintenance charges across different AU Bank accounts, ensuring he avoids unnecessary penalties by maintaining the required balance.

Likewise, the salary accounts also incur the following actions for non-maintenance:

Account Type Name	Fees
AU Salary Account Value and AU Salary Platinum Account	If Akshay does not receive a salary for 3 months, it will be converted into dormant or closed, as per the bank’s policy.

This table shows that even zero-balance salary accounts require regular salary credits, or they risk being converted to dormant or closed status.

How to Check Your Monthly Average Balance in a Bank?

Akshay has three methods to check his monthly average balance:

1. Missed Call

With his registered mobile number linked to the bank account, Akshay can give a missed call to the following toll-free numbers:

Account Balance	1800-120-2586
Mini Statement	1800-121-2586

2. Mobile Application

Akshay can open the official mobile application of AU Bank Small Finance Bank, entitled AU 0101 Mobile Banking App.

He can navigate it to the balance checking option, to know his total monthly balance, such as:

Available Total Balance: ₹ 6001.75

3. Internet Banking

Akshay should log in to the internet banking. He must navigate to the balance checking section to view his total monthly balance, such as:

Total Balance as 10.06.2025: ₹ 10,256.11

How to Avoid Minimum Balance Penalties?

There are two ways Akshay can avoid minimum balance penalties:

1. Choosing Zero Account Balance: The selection of this account type reduces the stress for Akshay to maintain a certain balance, such as ₹ 2,000 or ₹ 5,000.

2. Checking the Monthly Balance: Akshay can choose any type of savings or salary account. But he must ensure its monthly balance, like ₹ 25,000 or ₹ 1,00,000, either at the beginning of the month or at the end of the month.

Conclusion

AU Small Finance Bank offers savings and salary accounts that fit different income groups, from zero-balance digital accounts to ₹5,00,000 prestige accounts. Customers should carefully match their earnings with the right account type to avoid penalties and enjoy maximum benefits.

FAQs

Q: Who is eligible for a Small Finance Bank?

Small Finance Banks serve small and medium enterprises, small and marginal farmers, and micro and small business units.

Q: What is the balance limit in a bank account?

The balance limit is the maximum total amount that can be held in an account for a specific beneficiary, including any earnings.

Q: What is the limit type in banking?

Limit type refers to restrictions set by banks, such as per-transaction limit, daily cumulative limit, and cooling period for new payees.

Q: How much bank balance is considered safe?

Experts recommend keeping at least six months’ worth of income in a savings account for emergencies, ensuring liquidity and safety.

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