LOAN NAME | Premium ( % p.a.) on Base Rate |
---|---|
Term Loan | Upto 3.00% |
Overdraft | Upto 3.00% |
Working Capital Loan/ Short Term Loan/ Demand Loan/ Bridge Gap Loan/ Pledge Loan | Upto 3.00% |
Trust Receipt Loan | Upto 3.00% |
Export Finance | Upto 3.00% |
LOAN NAME | Premium ( % p.a.) on Base Rate |
---|---|
Citizens Mortgage Loan(Term Loan) | Upto 3.00% |
Citizens Auto Loan (Private) | Upto 3.00% |
Citizens Auto Loan (Commercial) | Upto 3.50% |
Citizens Home Loan | Upto 3.00% |
Citizens Education Loan | Upto 3.00% |
Citizens Margin Lending | Upto 3.50% |
Citizens Gold Loan | Upto 4.00% |
Citizens Bina Dhito Karja | Upto 4.00% |
Citizens Equipment Loan | Upto 4.00% |
Citizens One District One Product (ODOP) | Upto 4.00% |
Citizens Fast Track Loan (CFTL) | Upto 4.00% |
Citizens Mortgage Loan(Overdraft) | Upto 3.00% |
Citizens Agriculture & Enterprise Loan | Upto 2.00% |
LOAN NAME | Premium ( % p.a.) on Base Rate |
---|---|
Citizens SME Loan | Upto 3.00% |
LOAN NAME | Premium ( % p.a.) on Base Rate |
---|---|
Citizens MSME Loan | Upto 3.00% |
LOAN NAME | Premium ( % p.a.) on Base Rate | |
---|---|---|
Other Loan / Force Loan | Upto 8.00% | |
Loan against first-class Bank Guarantee | Upto 4.00% | |
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 | Upto 4.00% | |
Subsidized Loan | As Defined by NRB | |
FCY TR / Import Loan | Upto 5.50% |
CONSUMER Loans | Upto 5 years | 6-10 years | 11-15 years | 16 years and above |
---|---|---|---|---|
Citizens Home Loan | - | 10.50% | 11.00% | 11.50% |
Citizens Home Loan Fixed Interest -7 Years II | 9.99% p.a. | |||
Citizens Home Loan Fixed Interest -7 Years III | 8.99% p.a. | |||
Citizens Mortgage Term Loan | 10.50% | 11.00% | 11.50% | |
Citizens Education Loan | 10.50 | 11.00% | 11.50% | - |
Citizens Shaikshik Karja-Fixed Interest -7 yr | 9.99% p.a. | |||
Citizens Equipment Loan | 11.00% | |||
Citizens Auto Loan | ||||
Private | 10.50% | 11.00% | ||
Commercial | 11.00% | |||
Citizens Fast Track Loan (CFTL) –Term | 11.00% | 11.50% | ||
Citizens Bina Dhito Karja –Term | 11.50% | |||
Citizens One District One Product (ODOP) –Term | 11.00% | 11.50% | ||
Citizens Microfinance Loan | 11.00%-13.00% | |||
MSME/SME/Coporate Loans | ||||
Working Capital Term Loan | 10.50% | 11.00% | ||
Term Loan | 10.50% | 11.00% | 11.50% |
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 rate and not associated with Base rate.
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.