Interest Rate with effect from 28th Falgun 2070 (09th March 2014)


Deposits Interest Rate
Citizens Savings (NPR): 2.00%
Citizens Rastra Sewak Savings (NPR): 2.50%
Citizens Bidhyarthi Bachat (NPR): 2.50%
Citizens Zero Balance Savings (NPR): 2.00%
Citizens Mahila Bachat (NPR): 3.00%
Citizens Muna Bachat (NPR): 2.00%
Citizens Matribhumi Bachat (NPR): 4.00%
Citizens Senior Citizens Savings (NPR): 2.00%
Citizens Special Savings (NPR): 2.50%
Citizens Sharedhani Bachat(NPR): 3.00%
Citizens Super Savings Account(NPR): 3.00%
Citizens Special Super Savings Account(NPR): 4.00%
Citizens Mofashal Bachat Khata(NPR): 4.00%
Citizens Recurring Deposit: 3 years- 6.50%
5 years- 6.75%
7 years- 7.00%
Citizens Fixed Deposit (NPR): Below 3 months-3.00%
3 Months below 1 year-4.50%
1 year and above -5.50%
Citizens Dashain Tihar Muddhati Nichhep Yojana (90 days): 5.00%
Citizens Call Deposit (NPR): Upto 6.00% p.a.
Citizens Privilege Call Account: 5.00%
Citizens Savings Account(FCY) GBP 2.00% EURO 2.00% USD 2.00%
Citizens Call Deposit(FCY) GBP 0.25% EURO 0.25% USD 0.25%
Citizens Fixed Deposit (FCY) Available on request
Structured Deposits 6.00%
Corporate Loans Interest Rate
Term Loan: 11.50% - 14.00%
Overdraft: 11.00% - 14.00%
Working Capital Loan/Short Term Loan: 11.00% - 13.00%
Trust Receipt Loan : 10.00 % - 12.50%
Export Finance: 10.00% - 13.00%
Other Loan: 15.00% - 18.00%
Consumer Loans Interest Rate
Citizens Equipment Loan: 12.00%-16.00%
Citizens Home Loan: 9.00%-14.00%
Citizens Auto Loan: 9.00%-15.00%
Citizens Education Loan: 11.00%-12.00%
Citizens Mortgage Loan Term Loan: 10.00% - 14.00%
Overdraft: 11.00% - 14.50%
Citizens Margin Lending: 10.00% - 13.00%
Citizens Gold Loan : 12.00% - 16.00%
Cirizens SME Loan : 9.00% - 14.00%
Loan against first class Bank Guarantee 12.50% - 14.50%
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 14.00% 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: 6.00%-11.00%
Citizens Fast Track Loan: 14.00% - 16.00%