Institutional fixed deposits are offered by Nepali banks to companies, organisations and high-net-worth entities rather than to individual retail customers. The minimum deposit is typically NPR 50 lakh to NPR 1 crore or more, and the rates are usually slightly lower than individual FD rates because institutions can negotiate and banks manage larger, more stable deposits differently.
Institutional FD rates are published separately from individual rates and are not always displayed on a bank's public website — they are often agreed directly with the corporate banking team. NRB requires banks to declare their institutional FD rates, which is how they appear in rate comparisons. The table below ranks every bank currently publishing an institutional FD rate, highest first.
If you manage treasury for a company, cooperative or school, comparing institutional FD rates before placing a large deposit can meaningfully increase interest income. A 0.25% rate difference on NPR 1 crore over one year is NPR 25,000 in additional interest.
Best Institutional Fixed Deposit Rates in Nepal — Bank Comparison
0 BanksWhat is an institutional fixed deposit in Nepal?
An institutional FD is a fixed deposit opened by a company, cooperative, school, NGO or other organisation rather than an individual. Banks publish separate, usually lower rates for institutional deposits because the ticket size is large and the depositor is a legal entity rather than a person.
How is the institutional FD rate different from the individual FD rate?
Institutional FD rates are typically 0.25–1% lower than individual FD rates for the same tenure. This reflects NRB guidance and the fact that institutional funds are considered more mobile (organisations are more likely to move deposits in search of better returns). Individual depositors receive a premium to compensate for the stickier nature of retail money.
What is the minimum deposit for an institutional FD?
Minimums vary by bank but are typically NPR 50 lakh to NPR 1 crore. Some banks set the threshold at NPR 10 lakh. The classification as "institutional" depends more on who is opening the deposit (a legal entity) than purely on the amount.
Can a school, cooperative or NGO open an institutional FD?
Yes. Any legal entity — company, cooperative, NGO, school, government body — can open an institutional FD. The bank will require organisational documents (registration, PAN, meeting minutes authorising the deposit) in addition to the account opening form.
Do institutional FD rates change frequently?
Yes. Like individual rates, institutional FD rates change with NRB policy, market liquidity and individual bank decisions. Banks are required to publish their rates, but they can revise them at any time, which is why checking the current comparison table is important before placing a large deposit.
What does the ✓ Verified badge mean?
A Verified badge means the rate was confirmed directly by the bank through Byajdar's partner portal rather than scraped from public sources. Verified rates always override scraped data for that bank and product.