Interest Rate- Effective from Jul 17, 2026

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Product Rate S.N ACCOUNT NAME MINIMUM BALANCE INTEREST RATE (P.A.)
    Citizens Savings Deposits (NPR)    
{{citizens-bishesh-bachat-khata}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 1 Citizens Bishesh Bachat Khata 100 2.76%
{{citizens-normal-savings}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 2 Citizens Normal Savings Nil 2.76%
{{mero-citizens-bachat-khata}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 3 Mero Citizens Bachat Khata * 100 2.76%
{{citizens-mahila-bachat-khata}}-{{2.76;2.76;NRs. 500;Quarterly}}-{{yes}} 4 Citizens Mahila Bachat 500 2.76%
{{citizens-g2p-savings-account}}-{{2.76;2.76;NRs. 00;Quarterly}}-{{yes}} 5 Citizens G2P Savings Account Nil 2.76%
{{citizens-dasak-savings}}-{{2.76;2.76;NRs. 500;Quarterly}}-{{yes}} 6 Citizens Dasak Savings 500 2.76%
{{citizens-sharedhani-savings-khata}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 7 Citizens Sharedhani Bachat Account * 100 2.76%
{{citizens-muna-bachat}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 8 Citizens Muna Bachat (Only for Minors) 100 2.76%
{{senior-citizens-savings}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 9 Senior Citizens Savings Nil 2.76%
{{citizens-branchless-bachat}}-{{2.76;2.76;NRs. 0;Quarterly}}-{{yes}} 10 Citizens Branchless Bachat Nil 2.76%
{{citizens-matribhumi-bachat}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 11 Citizens Matribhumi Bachat 100 2.76%
{{citizens-smart-bachat-khata}}-{{2.76;2.76;Nil;Quarterly}}-{{yes}} 12 Citizens Smart Bachat Khata Nil 2.76%
{{citizens-bidhyarthi-savings-khata}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 13 Citizens Bidhyarthi Bachat Account * Nil 2.76%
{{citizens-saral-bachat-khata}}-{{2.76;2.76;NRs. 100;Quarterly}}-{{yes}} 14 Citizens Saral Bachat Khata (CSBK) 100 2.76%
{{citizens-enterprise-fund-account}}-{{3.01;3.01;NRs. 0;Quarterly}}-{{yes}} 15 Citizens Enterprises Fund Account Nil 3.01%
{{citizens-samrakhshit-bachat-khata}}-{{2.81;2.81;NRs. Nil;Quarterly}}-{{yes}} 16 Citizens Samrakshit Bachat Khata 1,000 2.81%
{{citizens-privilege-savings-khata}}-{{3.01;3.01;0;Quarterly}}-{{yes}} 17 Citizens Privilege Savings Khata 100,000 3.01%
{{citizens-talab-bachat-khata}}-{{3.01;3.01;Nil;Quarterly}}-{{yes}} 18 Citizens Talab Bachat Khata Nil 3.01%
{{citizens-international-remittance-saving-account}}-{{3.76;3.76;Nil;Quarterly}}-{{yes}} 19 Citizens International Remittance Saving account 5000 3.76%
{{citizens-share-lagani-account}}-{{3.01;3.01;Nil;Quarterly}}-{{yes}} 20 Citizens Share Lagani Khata 100 3.01%
  21 Remittance Ipo Savings Account 1000 3.76%
  22 Microfinance Personal Savings Account Nil 2.76%
{{citizens-hamro-karnali-bachat-khata}}-{{3.01;3.01;Nil;Quarterly}}-{{yes}} 23 Citizens Hamro Karnali Bachat Khata 10,000 3.01%
{{citizens-genz-saving-account}}-{{3.01;3.01;Nil;Quarterly}}-{{yes}} 24 Citizens Gen-Z Savings Account 100 3.01%
  25 Citizens Saving Account (FCY)    
    USD 20 2.75%
    Euro 20 1.50%
    GBP 20 1.75%
    AUD 20 2.00%
{{citizens-overseas-fcy-fixed-deposit-nrn}}-{{6.00;6.00;NRs. 500;Quarterly}}-{{yes}} 26 Citizens FCY Fixed Deposit    
    GBP   Up to 2.65%
    Euro   Up to 1.90%
    USD   Up to 3.40%
    AUD   Up to 2.40%
  27 Citizens Overseas FCY Fixed Deposit (1 Year and above**) USD 1000 3.40 %
{{citizens-call-deposits-fcy}}-{{4.50;4.50;NRs. 500;Quarterly}}-{{yes}} 28 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
{{citizens-tinau-mission-mf-call-account}}-{{1.50;1.50;NRs. 500;Quarterly}}-{{yes}} 29 Citizens Tinau Mission MF Call Account   Negotiable as per NRB Directive
  30 Citizens Call Deposit (NPR)   Negotiable as per NRB Directive
  31 Citizens Ekmustha Muddati Yojana (CEMY)  

Rate
    3 months and below 6 months 25000 2.80%
    6 months and below 12 months 25000 2.85%
    12 months and below 24 months 25000 3.00%
    24 months and above 25000 3.95%
  32 Citizens International Remittance Fixed Deposit

 

Rate
    3 Months  and below 6 Months  25,000 3.80%
    6 Months and below 12 Months 25,000 3.85%
    12 months and below 24 months 25,000 4.00%
    24 months and above 25,000 4.95%
  33 Citizens Fixed Deposit (NPR) - Individual   Rate
    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%
  34 Citizens Fixed Deposit (NPR) - Institutional    Rate
    24 Months and below 36 Months   2.75%
    36 months and below 60 months   3.00%
  35 Citizens BLB Fixed Deposit   Rate
    24 Months and above   2.95%
  36 Citizens Digital Fixed Deposit   Rate
    12 months 10,000 3.25%
  37 Citizens Freelancer Saving Account (CFSA)-NPR 500 3.01%
  38 Citizens Freelancer Saving Account (CFSA)-USD $ 10 2.75%
  39 Citizens Premium Talab Bachat Khata   3.01 %
  40 Citizens Premium Family Account   3.01 %

Note:

  1. Premium rate of each borrower shall be determined subject to loan type/category, tenure of each deal/loan, Internal Credit Risk Grading etc. 
  2. Schemes with (*) have been discontinued

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.