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.
