नागरिक बैंकको २०८३ श्रावण १ देखि लागू हुने ब्याजदरCitizens Bank Interest Rates Effective from 1st Shrawan 2083

INTEREST RATE

TO BE EFFECTIVE FROM 1st Shrawan 2083 (17th July 2026)

S.No Citizens Deposit Products Minimum Balance Interest Rates (p.a.)

1 Citizens Savings Deposits (NPR)

CITIZENS BISHESH BACHAT KHATA 100 2.76%

CITIZENS NORMAL SAVINGS ACCOUNT Nil 2.76%

MERO CITIZENS BACHAT KHATA 100 2.76%

CITIZENS MAHILA BACHAT ACCOUNT 500 2.76%

CITIZENS G2P SAVINGS ACCOUNT Nil 2.76%

CITIZENS DASAK SAVINGS ACCOUNT 500 2.76%

CITIZENS SHAREDHANI BACHAT KHATA 100 2.76%

CITIZENS MUNA BACHAT ACCOUNT 100 2.76%

SENIOR CITIZENS SAVINGS ACCOUNT Nil 2.76%

CITIZENS BRANCHLESS BACHAT ACCOUNT Nil 2.76%

CITIZENS MATRIBHUMI BACHAT ACCOUNT 100 2.76%

CITIZENS SMART BACHAT KHATA Nil 2.76%

CITIZENS BIDHYARTHI BACHAT ACCOUNT Nil 2.76%

CITIZENS SARAL BACHAT KHATA 100 2.76%

CITIZENS GOLD TESTER SAVINGS Nil 2.76%

MICROFINANCE PERSONAL SAVINGS ACCOUNT Nil 2.81%

CITIZENS SAMRAKSHIT BACHAT KHATA 1,000 3.01%

CITIZENS GEN Z SAVING ACCOUNT 100 3.01%

CITIZENS ENTERPRISES FUND ACCOUNT Nil 3.01%

CITIZENS PRIVILEGE SAVINGS ACCOUNT 100,000 3.01%

CITIZENS TALAB BACHAT KHATA Nil 3.01%

CITIZENS SHARE LAGANI KHATA 100 3.01%

HEALTH AND WEALTH SAVINGS ACCOUNT 300,000 3.01%

CITIZENS HAMRO KARNALI BACHAT KHATA 10,000 3.01%

CITIZENS PREMIUM TALAB BACHAT KHATA Nil 3.01%

CITIZENS PREMIUM FAMILY ACCOUNT Nil 3.01%

CITIZENS FREELANCER SAVING ACCOUNT 500 3.76%

CITIZENS INTL REMIT SAVING ACCOUNT 5,000 3.76%

REMITTANCE IPO SAVINGS ACCOUNT 1,000 3.76%

2 Citizens Fixed Deposit (NPR) - Individual

3 Months and below 6 Months - 2.80%

6 Months and below 12 Months - 2.85%

12 Months and below 24 Months - 3.00%

24 Months and above - 3.95%

3 Citizens Fixed Deposit (NPR) - Institutional

24 Months and below 36 Months - 2.75%

36 Months and above - 3.00%

4 Citizens Ekmustha Muddhati Yojana

3 Months and below 6 Months NPR 25,000 2.80%

6 Months and below 12 Months - 2.85%

12 Months and below 24 Months - 3.00%

24 Months and above - 3.95%

5 Citizens International Remittance Fixed Deposit

3 Months and below 6 Months NPR 25,000 3.80%

6 Months and below 12 Months - 3.85%

12 Months and below 24 Months - 4.00%

24 Months and above - 4.95%

6 Citizens BLB Fixed Deposit

24 Months and above - 2.95%

7 Citizens Digital Fixed Deposit

12 Months NPR 10,000 3.25%

8 Citizens Call Deposit (NPR) - Negotiable as per NRB Directive

9 Citizens Tinau Mission MF Call Account - Negotiable as per NRB Directive

10 Citizens Saving Account (FCY)

GBP - 1.75%

EURO - 1.50%

USD - 2.75%

AUD - 2.00%

11 Citizens Call Deposit (FCY)

GBP - Negotiable as per NRB Directive

EURO - -

USD - -

AUD - -

12 Citizens FCY Fixed Deposit

GBP - Up to 2.65%

EURO - Up to 1.90%

USD - Up to 3.40%

AUD - Up to 2.40%

13 Citizens Overseas FCY Fixed Deposit (1 year and above) USD 1000 3.40%

Loans & Advances

Corporate Loans

14 Term Loan - Premium (% p.a.) on Base Rate Up to 2.50%

Premium Rates for Loan Products

Loan Product Premium Rate

Cash Credit Up to 2.50%

Working Capital Loan/ Short Term Loan/ Demand Loan/ Bridge Gap Loan / Pledge Loan Up to 2.50%

Trust Receipt Loan Up to 2.50%

Export Finance Up to 2.50%

Consumer Loans

Citizens Equipment Loan Up to 3.00%

Citizens Home Loan Up to 2.50%

Citizens Auto Loan Up to 2.50%

Private Up to 2.50%

Commercial Up to 3.00%

Citizens Education Loan Up to 3.00%

Citizens Mortgage Loan Up to 4.00%

Term Loan Up to 3.00%

Overdraft Up to 4.00%

Citizens Margin Lending Up to 4.00%

Citizens Gold Loan Up to 4.00%

Citizens Fast Track Loan (CFTL) Up to 4.00%

Citizens Bina Dhito Karja Up to 2.00%

Citizens One District One Product (ODOP) 15% p.a.

Citizens Agriculture & Enterprise Loan 3.00%

Pay Day Loan Up to 2.50%

Citizens QR Merchant Loan Up to 3.00%

SME Loans

Citizens SME Loan Up to 3.00%

MSME Loans

Citizens MSME Loan Average Base Rate + 0%

Citizens Easy Business Loan (upto Rs. 2.5 Million) 5.00%

Other Loans

Other Loan Up to 2.50%

Loan against first class Bank Guarantee Higher of Coupon rate +2% or Average Base rate +2%

Loan against Government Bond Higher of FD rate +2% or Average Base rate +2%

Loan against Citizens Fixed Deposit Receipt and Promissory Note Higher of Coupon rate +2% or Average Base rate +2%

NPR Loan Against FCY Fixed Deposit Receipt As per Consortium decision

Consortium Financing Up to 2.00%

Deprived Sector Loan As Defined by NRB

Subsidized Loan Upto 5.00%*

FCY TR / Import Loan -

Fixed Interest Rates for Loan Products

Loan Product Up to 5 years 6-10 years 11-15 years 16 Years and above

Citizens Home Loan- Fixed Interest-7 Years IV 7.99% p.a. (Fixed for 7 years) - - -

Citizens Home Loan- Fixed Interest-7 Years V 6.99% p.a. (Fixed for 7 years) - - -

Citizens Home Loan 9.00% 9.50% 10.00% 10.00%

Citizens Mortgage Term Loan 9.50% 10.00% 10.50% -

Citizens Saikshik Karja-Fixed Interest- 7 Years 9.99% p.a. - - -

Citizens Education Loan 9.50% 10.00% 10.50% -

Citizens Equipment Loan 10.00% - - -

Citizens Auto Loan 9.50% 10.00% - -

Private 10.00% - - -

Commercial 10.00% 10.50% - -

Citizens Fast Track Loan (CFTL)-Term 10.50% - - -

Citizens Bina Dhito Karja -Term 10.00% 10.50% - -

Citizens One District One Product (ODOP) -Term 10.00% - - -

Citizens Microfinance Loan 13.50% - - -

MSME/SME Loans

Working Capital Term Loan 9.00% 9.50% - -

Term Loan 9.00% 9.50% 10.00% -

Easy Business Loan - Working Capital Term Loan 5.99% p.a. (Fixed for 2 years) - - -

Easy Business Loan - Term Loan 5.99% p.a. (Fixed for 2 years) - - -

Corporate Loans

Term/Working Capital Loans Up to 8% (Fixed for 5 years) - - -

Average Base Rate as of जेष्ठ मसान्त २०८३ is 5.20% p.a.

Base Rate as of जेष्ठ मसान्त २०८३ is 5.11% p.a.

Note: Premium rate of each borrower shall be determined subject to loan type/category, tenure of each deal/loan, Internal Credit Risk Grading etc.

*FCY TR/ Import loan rate is not effective and not associated with Base rate.

Citizens overseas FCY FD: Min. Fixed Deposit amount is USD 1,000 or equivalent.

Interest Payment Frequency on Deposits: Quarterly/Monthly.

Interest rate range in similar nature loan product shall be in line with NRB Circular- Bai. Bi. Ni. Bi/Niti/Paripatra/03/2080/81 dated २०८०/०६/१८.