Interest Rate with effect from 04 Magh, 2068(18th January, 2012)


  • Citizens Savings (NPR): 6.50%
  • Citizens Rastra Sewak Savings (NPR):7.50%
  • Citizens Bidhyarthi Bachat (NPR):7.00%
  • Citizens Zero Balance Savings (NPR):6.50%
  • Citizens Mahila Bachat (NPR):7.50%
  • Citizens Muna Bachat (NPR):6.50%
  • Citizens Matribhumi Bachat (NPR):7.00%
  • Citizens Senior Citizens Savings (NPR):6.50%
  • Citizens Special Savings (NPR):7.50%
  • Citizens Sharedhani Bachat(NPR):7.50%
  • Citizens Super Savings Account(NPR):8.50%
  • Citizens Mofashal Bachat Khata(NPR):8.50%
  • Citizens Recurring Deposit: 3 years- 7.50% 5 years- 7.75% 7 years- 8.00%
  • Citizens Fixed Deposit (NPR):Below 3 months- Institutional-6.00%)
    (Individual-6.00%)
    3 Months or Above- (Institutional-10.00%)
    (Individual-10.00%)
  • Dashain Tihar Muddati Nichhep yojana: 10.00%
  • Citizens Kosheli Nichhep Yojana( 7 years): Doubles in 84 months
  • Citizens Call Deposit (NPR): Upto 11.50%
  • Citizens Savings Account(FCY) GBP 0.50% EURO 0.50% USD 0.50%
  • Citizens Call Deposit(FCY) GBP 0.25% EURO 0.25% USD 0.25%
  • Citizens Fixed Deposit (FCY) Available on request

    •     Corporate Loans

  • Term Loan: 14.00% - 16.00%
  • Overdraft: 14.50% - 16.00%
  • Working Capital Loan/Short Term Loan: 14.00% - 16.00%
  • Trust Receipt Loan : 12.50% - 14.50%
  • Export Finance: 13.50% - 15.00%
  • Other Loan: 15.00% - 17.00%

    •     Consumer Loans

  • Citizens Equipment Loan: 16.00% - 17.00 %
  • Citizens Home Loan: 15.00% - 16.50%
  • Citizens Auto Loan: 15.00% - 16.50%
  • Citizens Education Loan: 14.50%
  • Citizens Mortgage Loan    Term Loan: 15.00% - 17.00%       Overdraft: 16.00% - 17.00%
  • Citizens Margin Lending: 15.00% - 16.00%
  • Citizens Gold Loan : 15.00% - 17.00%
  • Cirizens SME Loan : 15.00% - 16.00%
  • Loan against first class Bank Guarantee 13.50% - 15.50%
  • Loan against Government Bond. +2% Over coupan rate or 12.00% p.a. whichever is higher
  • Loan against Citizens Fixed Deposit Receipt +2% over the interest rate of Fixed Deposit
  • Loan against Fixed Deposit Receipt of Other Banks +3% over coupan rate or 15.00% p.a. whichever is higher
  • NPR Loan Against FCY Fixed Deposit Receipt +2% over the coupan rate or 12.00% whichever higher
  • Consortium Financing: As per consortium decision
  • Deprived Sector Loan: 10.50%-12.50%