नागरिक बैंकको ब्याजदर सूचना २०८३ आषाढ १ गतेदेखि लागूCitizens Bank Interest Rate Notice Effective from 1st Ashad 2083

INTEREST RATE

TO BE EFFECTIVE FROM 1st Ashad 2083 (15th June 2026)

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

1 Citizens Savings Deposits (NPR) - -

CITIZENS BISHESH BACHAT KHATA 100 2.75%

CITIZENS NORMAL SAVINGS ACCOUNT Nil 2.75%

MERO CITIZENS BACHAT KHATA Nil 2.75%

CITIZENS MAHILA BACHAT ACCOUNT 500 2.75%

CITIZENS G2P SAVINGS ACCOUNT Nil 2.75%

CITIZENS DASAK SAVINGS ACCOUNT 500 2.75%

CITIZENS SHAREDHANI BACHAT KHATA 100 2.75%

CITIZENS MUNA BACHAT ACCOUNT 100 2.75%

SENIOR CITIZENS SAVINGS ACCOUNT Nil 2.75%

CITIZENS BRANCHLESS BACHAT ACCOUNT Nil 2.75%

CITIZENS MATRIBHUMI BACHAT ACCOUNT 100 2.75%

CITIZENS SMART BACHAT KHATA Nil 2.75%

CITIZENS BIDHYARTHI BACHAT ACCOUNT Nil 2.75%

CITIZENS SARAL BACHAT KHATA Nil 2.75%

CITIZENS GOLD TESTER SAVINGS Nil 2.75%

MICROFINANCE PERSONAL SAVINGS ACCOUNT Nil 2.75%

CITIZENS SAMRAKSHIT BACHAT KHATA 1,000 2.80%

CITIZENS GEN Z SAVING ACCOUNT 100 3.00%

CITIZENS ENTERPRISES FUND ACCOUNT Nil 3.00%

CITIZENS PRIVILEGE SAVINGS ACCOUNT 100,000 3.00%

CITIZENS TALAB BACHAT KHATA Nil 3.00%

CITIZENS SHARE LAGANI KHATA 100 3.00%

HEALTH AND WEALTH SAVINGS ACCOUNT 300,000 3.00%

CITIZENS HAMRO KARNALI BACHAT KHATA 10,000 3.00%

CITIZENS PREMIUM TALAB BACHAT KHATA Nil 3.00%

CITIZENS PREMIUM FAMILY ACCOUNT Nil 3.00%

CITIZENS FREELANCER SAVING ACCOUNT 500 3.00%

CITIZENS INTL REMIT SAVING ACCOUNT 5,000 3.75%

REMITTANCE IPO SAVINGS ACCOUNT 1,000 3.75%

2 Citizens Fixed Deposit (NPR) - Individual - -

3 Months and below 6 Months - 2.85%

6 Months and below 12 Months - 3.00%

12 Months and below 24 Months - 3.15%

24 Months and above - 4.10%

3 Citizens Fixed Deposit (NPR) - Institutional - -

24 Months and below 36 Months - 2.75%

36 Months and below 60 Months - 3.00%

60 Months and above - 3.50%

4 Citizens Ekmustha Muddhati Yojana - -

3 Months and below 6 Months NPR 25,000 2.85%

6 Months and below 12 Months NPR 25,000 3.00%

12 Months and below 24 Months NPR 25,000 3.15%

24 Months and up to 5 Years NPR 25,000 4.10%

5 Citizens International Remittance Fixed Deposit - -

3 Months and below 6 Months NPR 25,000 3.85%

6 Months and below 12 Months NPR 25,000 4.00%

12 Months and below 24 Months NPR 25,000 4.15%

24 Months and above NPR 25,000 5.10%

6 Citizens BLB Fixed Deposit - -

24 Months and above - 3.10%

7 Citizens Digital Fixed Deposit - -

12 Months NPR 10,000 3.40%

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 20 1.75%

EURO 20 1.50%

USD 20 2.75%

AUD 20 2.00%

11 Citizens Call Deposit (FCY) - -

GBP - Negotiable as per NRB Directive

EURO - Negotiable as per NRB Directive

USD - Negotiable as per NRB Directive

AUD - Negotiable as per NRB Directive

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%

14 Loans & Advances - -

Corporate Loans - Premium (% p.a.) on Base Rate

Term Loan - Up to 3.50%

Working Capital Loan - Up to 3.50%

Demand Loan - Up to 3.50%

Trust Receipt Loan - Up to 3.50%

Overdraft Loan - Up to 3.50%

Export Loan - Up to 3.50%

Import Loan - Up to 3.50%

LC/BG - Up to 3.50%

Retail Loans - Premium (% p.a.) on Base Rate

Home Loan - Up to 3.50%

Auto Loan - Up to 3.50%

Education Loan - Up to 3.50%

Personal Loan - Up to 3.50%

Mortgage Loan - Up to 3.50%

Share Loan - Up to 3.50%

Gold Loan - Up to 3.50%

Micro Finance Loan - Up to 3.50%

Agriculture Loan - Up to 3.50%

SME Loan - Up to 3.50%

Deprived Sector Loan - Up to 3.50%

Loan Against FD - Up to 3.50%

Loan Against Share - Up to 3.50%

Loan Against Gold - Up to 3.50%

Loan Against Govt. Bond - Up to 3.50%

Loan Against Remittance - Up to 3.50%

Loan Against Salary - Up to 3.50%

Loan Against Pension - Up to 3.50%

Loan Against Property - Up to 3.50%

Loan Against Vehicle - Up to 3.50%

Loan Against Education - Up to 3.50%

Loan Against Business - Up to 3.50%

Loan Against Agriculture - Up to 3.50%

Loan Against SME - Up to 3.50%

Loan Against Deprived Sector - Up to 3.50%

Loan Against Micro Finance - Up to 3.50%

Loan Against Other - Up to 3.50%

Term Loan Up to 2.50%

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

Private Up to 2.50%

Commercial Up to 3.00%

Citizens Education Loan Up to 3.00%

Citizens Mortgage Loan

Term Loan Up to 3.00%

Overdraft Up to 4.00%

Citizens Margin Lending Up to 3.00%

Citizens Gold Loan Up to 4.00%

Citizens Fast Track Loan (CFTL) Up to 4.00%

Citizens Bina Dhito Karja Up to 4.00%

Citizens One District One Product (ODOP) Up to 4.00%

Citizens Agriculture & Enterprise Loan Up to 2.00%

Pay Day Loan 15% p.a.

Citizens QR Merchant Loan 3.00%

SME Loans

Citizens SME Loan Up to 2.50%

MSME Loans

Citizens MSME Loan Up to 3.00%

Citizens Easy Business Loan (upto Rs. 2.5 Million) Average Base Rate + 0%

Other Loans

Other Loan 5.00%

Loan against first class Bank Guarantee Up to 2.50%

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

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

NPR Loan Against FCY Fixed Deposit Receipt Higher of Coupon rate + 2% or Average Base rate + 2%

Consortium Financing As per Consortium decision

Deprived Sector Loan Up to 2.00%

Subsidized Loan As Defined by NRB

FCY TR / Import Loan Upto 5.00%*

Fixed Interest Rates for Loan Products

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

Consumer Loans

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%

Citizens Mortgage Term Loan 9.50% 10.00% 10.50% -

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

Citizens Education Loan - 10.00% 10.50% -

Citizens Equipment Loan 10.00% - - -

Citizens Auto Loan - - - -

Private

Private 9.50% 10.00% - -

Commercial

Commercial 10.00% - - -

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

Citizens Bina Dhito Karja -Term 10.50% - - -

Citizens One District One Product (ODOP) –Term 10.00% 10.50% - -

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 Baishak End 2083 is 5.28% p.a.

Base Rate as of Baishak End 2083 is 5.23% 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 net 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/03/080/81 dated 2080/06/18.