Interest Rate with effect from 15th Shrawan 2072 (31st July 2015)


Deposits Interest Rate
Citizens Savings (NPR): 1.50%
Citizens Rastra Sewak Savings (NPR): 1.50%
Citizens Bidhyarthi Bachat (NPR): 1.50%
Citizens Zero Balance Savings (NPR): 1.50%
Citizens Mahila Bachat (NPR): 2.00%
Citizens Muna Bachat (NPR): 1.50%
Citizens Matribhumi Bachat (NPR): 3.00%
Citizens Senior Citizens Savings (NPR): 1.50%
Citizens Special Savings (NPR): 1.50%
Citizens Sharedhani Bachat(NPR): 3.00%
Citizens Super Savings Account(NPR): 2.00%
Citizens Special Super Savings Account(NPR): 3.50%
Citizens Mofashal Bachat Khata(NPR): 3.00%
Citizens Enterprise Fund Account: 3.00%
Citizens G2P Saving Account: 2.00%
Citizens Branchless Bachat: 2.00%
Citizens Recurring Deposit: 3 years- 4.00%
5 years- 4.25%
7 years- 4.50%
Citizens Fixed Deposit For Individual (NPR): Below 3 months-3.50%
3 Months below 1 year-4.50%
1 year -above -5.75%
Citizens Fixed Deposit For Institutional (NPR): Below 3 months-3.00%
3 Months below 1 year-4.00%
1 year -above -5.00%
Citizens Dashain Tihar Muddhati Nichhep Yojana (90 days): 5.00%
Citizens 120 Days Fixed Deposit: 5.50%
Citizens Call Deposit (NPR): NEGOTIABLE
Citizens Privilege Call Account: 4.00%
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 NEGOTIABLE
Corporate Loans Interest Rate
Term Loan: 9.00% - 14.50%
Overdraft: 8.50% - 13.50%
Working Capital Loan/Short Term Loan: 8.00% - 13.00%
Trust Receipt Loan : 8.00 % - 11.50%
Export Finance: 8.00% - 11.50%
Other Loan: 13.00% - 19.00%
Consumer Loans Interest Rate
Citizens Equipment Loan: 10.00%-14.00%
Citizens Home Loan: 9.00%-18.00%
Citizens Auto Loan: 9.00%-18.00%
Citizens Education Loan: 10.00%-12.00%
Citizens Mortgage Loan Term Loan: 10.00% - 18.00%
Overdraft: 10.50% - 18.00%
Citizens Margin Lending: 8.50% - 16.00%
Citizens Gold Loan : 10.00% - 16.00%
Cirizens SME Loan : 9.00% - 16.00%
Loan against first class Bank Guarantee 10.50% - 12.50%
Loan against Government Bond. +2% over coupon rate or 10.00% 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 coupon rate of 11.00% p.a whichever is higher
NPR Loan Against FCY Fixed Deposit Receipt +2% over the coupan rate or 10.00% whichever higher
Consortium Financing: As per consortium decision
Deprived Sector Loan: 4.00%-7.00%
Citizens Fast Track Loan: 13.00% - 18.00%