Interest Rate with effect from 30th Baisakh, 2070(13th May, 2013)


  • Citizens Savings (NPR): 3.00%
  • Citizens Rastra Sewak Savings (NPR):3.50%
  • Citizens Bidhyarthi Bachat (NPR):3.50%
  • Citizens Zero Balance Savings (NPR):3.00%
  • Citizens Mahila Bachat (NPR):4.00%
  • Citizens Muna Bachat (NPR):3.00%
  • Citizens Matribhumi Bachat (NPR):3.50%
  • Citizens Senior Citizens Savings (NPR):3.00%
  • Citizens Special Savings (NPR):3.50%
  • Citizens Sharedhani Bachat(NPR):4.00%
  • Citizens Super Savings Account(NPR):4.00%
  • Citizens Mofashal Bachat Khata(NPR):5.00%
  • Citizens Recurring Deposit: 3 years- 6.50% 5 years- 6.75% 7 years- 7.00%
  • Citizens Fixed Deposit (NPR):Below 3 months-5.00%
    3 Months below 1 year-7.00%
    1 year and above -9.00
  • Citizens Fixed Deposit 120 Days (NPR): 7.50 %
  • Citizens Kosheli Nichhep Yojana( 7 years): Doubles in 84 months
  • Citizens Dashain Tihar Muddhati Nichhep Yojana (90 days): 7.00%
  • Citizens Call Deposit (NPR): Upto 8.50% p.a.
  • Citizens Large Value Structured Deposit: Upto 10.00% p.a
  • Hetauda Muddhati Khata: (Tenure: 1 year and above) 7.50%
  • Hetauda Fixed Deposit: (Tenure: 1 year and above) 7.50%
  • Hetauda Call Khata: 5.00%
  • Citizens Privilege Call Account: 7.00%
  • 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

    •     Corporate Loans

  • Term Loan: 13.50% - 15.50%
  • Overdraft: 13.00% - 15.00%
  • Working Capital Loan/Short Term Loan: 12.50% - 14.50%
  • Trust Receipt Loan : 11.50% - 13.50%
  • Export Finance: 11.00% - 13.00%
  • Other Loan: 15.00% - 16.00%

    •     Consumer Loans

  • Citizens Equipment Loan: 14.00% - 16.00 %
  • Citizens Home Loan: 10.50% - 15.00%
  • Citizens Auto Loan: 12.00% - 14.00%
  • Citizens Education Loan: 13.00% - 14.00%
  • Citizens Mortgage Loan    Term Loan: 13.00% - 15.00%       Overdraft: 13.50% - 15.00%
  • Citizens Margin Lending: 12.00% - 14.00%
  • Citizens Gold Loan : 14.00% - 16.00%
  • Cirizens SME Loan : 12.00% - 14.50%
  • 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: 8.00%-12.00%
  • Citizens Fast Track Loan: 16.00%-18.00%