E-KYC 
Branch & ATMs 
Loan Interest Rate- Effective from August 17, 2026
| LOAN NAME | Premium ( % p.a.) on Base Rate |
|---|---|
| Term Loan | Upto 2.50% |
| Cash Credit | Upto 2.50% |
| Working Capital Loan/ Short Term Loan/ Demand Loan/ Bridge Gap Loan/ Pledge Loan | Upto 2.50% |
| Trust Receipt Loan | Upto 2.50% |
| Export Finance | Upto 2.50% |
| Term/Working Capital Loans | Up to 8% (Fixed for 5 years) |
| LOAN NAME | Premium ( % p.a.) on Base Rate |
|---|---|
| Citizens Mortgage Loan(Term Loan) | Upto 3.00% |
| Citizens Auto Loan (Private) | Upto 2.50% |
| Citizens Auto Loan (Commercial) | Upto 3.00% |
| Citizens Home Loan | Upto 2.50% |
| Citizens Education Loan | Upto 3.00% |
| Citizens Margin Lending | Upto 2.75% |
| Citizens Gold Loan | Upto 4.00% |
| Citizens Bina Dhito Karja | Upto 4.00% |
| Citizens Equipment Loan | Upto 3.00% |
| Citizens One District One Product (ODOP) | Upto 4.00% |
| Citizens Fast Track Loan (CFTL) | Upto 4.00% |
| Citizens Mortgage Loan(Overdraft) | Upto 3.50% |
| Citizens Agriculture & Enterprise Loan | Upto 2.00% |
| Citizens QR Merchant Loan | 3.00% |
| Citizens Pay Day Loan | Upto 15% p.a. |
| LOAN NAME | Premium ( % p.a.) on Base Rate |
|---|---|
| Citizens SME Loan | Upto 2.50% |
| LOAN NAME | Premium ( % p.a.) on Base Rate |
|---|---|
| Citizens MSME Loan | Upto 3.00% |
| Citizens Easy Business Loan(Upto Rs 2.5 Million) | Average Base Rate +0% |
| LOAN NAME | Premium ( % p.a.) on Base Rate | |
|---|---|---|
| Other Loan / Force Loan | Upto 5.00% | |
| Loan against first-class Bank Guarantee | Upto 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 | Upto 2.00% | |
| Subsidized Loan | As Defined by NRB | |
| FCY TR / Import Loan | Upto 5.00% | |
| CONSUMER Loans | Upto 5 years | 6-10 years | 11-15 years | 16 years and above |
|---|---|---|---|---|
| Citizens Home Loan | - | 9.00 % | 9.50% | 10.00% |
| 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 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 Mortgage Term Loan | 9.50% | 10.00% | 10.50% | |
| Citizens Education Loan | 9.50% | 10.00% | 10.50% | - |
| Citizens Shaikshik Karja-Fixed Interest -7 yr | 9.99% p.a. | |||
| Citizens Equipment Loan | 10.00% | |||
| Citizens Auto Loan | ||||
| Private | 9.50% | 10.00% | ||
| Commercial | 10.00% | |||
| Citizens Fast Track Loan (CFTL) –Term | 10.00% | 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/Coporate 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% ( Fixed for 2 years) | |||
| Easy Business Loan – Term Loan | 5.99% ( Fixed for 2 years) | |||
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.