Institutional FD rates for companies and organisations across Nepali banks — ranked highest first. Separate from individual FD rates, with higher minimums.नेपाली बैंकहरूमा कम्पनी र संस्थाहरूका लागि संस्थागत FD दर — उच्चतम पहिले क्रमबद्ध। व्यक्तिगत FD दरभन्दा अलग, उच्च न्यूनतमसहित।
✓ Sourced from NRB & bank data · Shrawan 6, 2083
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.संस्थागत मुद्दती निक्षेप नेपाली बैंकहरूले व्यक्तिगत खुद्रा ग्राहकलाई होइन, कम्पनी, संस्था र उच्च-सम्पत्ति इकाइहरूलाई दिन्छन्। न्यूनतम निक्षेप सामान्यतया रू 50 लाखदेखि रू 1 करोड वा बढी हुन्छ, र दर प्रायः व्यक्तिगत FD दरभन्दा अलि कम हुन्छ किनकि संस्थाहरूले मोलमोलाइ गर्न सक्छन् र बैंकले ठूला, स्थिर निक्षेप फरक ढंगले व्यवस्थापन गर्छन्।
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.संस्थागत FD दर व्यक्तिगत दरभन्दा अलग प्रकाशित हुन्छन् र सधैं बैंकको सार्वजनिक वेबसाइटमा देखाइँदैनन् — प्रायः कर्पोरेट बैंकिङ टोलीसँग सिधै सहमति हुन्छ। NRB ले बैंकहरूलाई संस्थागत FD दर घोषणा गर्न आवश्यक गर्छ। तलको तालिकाले हाल संस्थागत FD दर प्रकाशित गर्ने हरेक बैंकलाई उच्चतम पहिले क्रमबद्ध गर्छ।
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.तपाईं कुनै कम्पनी, सहकारी वा विद्यालयको ट्रेजरी व्यवस्थापन गर्नुहुन्छ भने, ठूलो निक्षेप राख्नुअघि संस्थागत FD दर तुलना गर्दा ब्याज आम्दानी उल्लेख्य बढ्न सक्छ। रू 1 करोडमा एक वर्षमा 0.25% को दर अन्तर भनेको रू 25,000 थप ब्याज हो।
Rates are indicative and sourced from public bank/NRB data unless marked ✓ Verified. Confirm the current rate and terms directly with the bank before proceeding.
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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.संस्थागत FD भनेको व्यक्तिले होइन, कम्पनी, सहकारी, विद्यालय, NGO वा अन्य संस्थाले खोल्ने मुद्दती निक्षेप हो। ठूलो रकम र निक्षेपकर्ता कानुनी इकाइ हुने भएकाले बैंकहरूले संस्थागत निक्षेपका लागि अलग, प्रायः कम दर प्रकाशित गर्छन्।
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.संस्थागत FD दर सामान्यतया उही अवधिका लागि व्यक्तिगत FD दरभन्दा 0.25–1% कम हुन्छन्। यसले NRB निर्देशन र संस्थागत कोष बढी चलायमान (संस्थाहरूले राम्रो प्रतिफलको खोजीमा निक्षेप सार्ने बढी सम्भावना) मानिने तथ्य झल्काउँछ। व्यक्तिगत निक्षेपकर्तालाई स्थिर खुद्रा पैसाको क्षतिपूर्तिस्वरूप प्रिमियम दिइन्छ।
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.न्यूनतम बैंकअनुसार फरक हुन्छ तर सामान्यतया रू 50 लाखदेखि रू 1 करोड हुन्छ। केही बैंकले सीमा रू 10 लाखमा राख्छन्। "संस्थागत" वर्गीकरण रकमभन्दा बढी कसले खोल्दैछ (कानुनी इकाइ) भन्नेमा निर्भर हुन्छ।
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.सक्छ। कुनै पनि कानुनी इकाइ — कम्पनी, सहकारी, NGO, विद्यालय, सरकारी निकाय — ले संस्थागत FD खोल्न सक्छ। बैंकले खाता खोल्ने फारमसँगै संस्थागत कागजात (दर्ता, PAN, निक्षेप अधिकृत गर्ने बैठकको निर्णय) माग्छ।
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.हुन्छन्। व्यक्तिगत दरजस्तै, संस्थागत FD दर NRB नीति, बजार तरलता र बैंकका निर्णयसँगै परिवर्तन हुन्छन्। बैंकहरूले दर प्रकाशित गर्नुपर्छ, तर जुनसुकै बेला परिमार्जन गर्न सक्छन्, त्यसैले ठूलो निक्षेप राख्नुअघि वर्तमान तुलना तालिका जाँच्नु महत्त्वपूर्ण छ।
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.प्रमाणित चिन्हको अर्थ हो — बैंकले सार्वजनिक स्रोतबाट होइन, Byajdar को पार्टनर पोर्टलमार्फत सिधै दर पुष्टि गरेको हो। त्यस बैंक र उत्पादनका लागि प्रमाणित दरले स्क्र्याप गरिएको डेटालाई सधैं प्रतिस्थापन गर्छ।
