Application Deadline Extended for Citizens Balanced Scheme Units

23rd December 2025, Kathmandu

The subscription period for the units of the Citizens Balanced Scheme has been officially extended due to a lower than expected volume of applications during the initial offering phase. Originally opened on Poush 4 2082 the public issue was intended to conclude by the end of banking hours on Poush 8 2082. However following a review of the subscription status the management has decided to prolong the deadline until Poush 18 2082 to allow more individual and institutional investors to participate in this financial opportunity.

Citizens Balanced Scheme Units

This extension provides a wider window for the general public to evaluate the benefits of the first balanced mutual fund scheme from Citizens Capital Limited which is promoted by the reputable Citizens Bank International Limited.

UNDERSTANDING THE CITIZENS BALANCED SCHEME OR CITIZENS SANTULIT YOJANA

The Citizens Balanced Scheme officially known as the Citizens Santulit Yojana is a closed end mutual fund with a total corpus of 1 billion Nepalese rupees. This amount is divided into 100 million units with each unit carrying a face value of 10 rupees. As a balanced fund the scheme aims to strike a healthy equilibrium between high growth equity investments and stable fixed income instruments. This approach is designed to cater to investors who seek moderate risk while aiming for returns that typically outperform traditional savings accounts and fixed deposits.

Under the regulatory guidelines of the Securities Board of Nepal the fund sponsor Citizens Bank International Limited and the fund manager Citizens Capital Limited have collectively taken up 15 percent of the total units which amounts to 150 million rupees. The remaining 85 percent of the units or 85 million units are available for the general public and qualified institutional investors. The fund operates under a specific maturity period during which the professional managers at Citizens Capital will actively trade and manage the portfolio to maximize returns for unit holders.

WHY THE DEADLINE EXTENSION MATTERS FOR NEPALESE INVESTORS

The extension of an IPO deadline often occurs when the initial subscription period coincides with market volatility or a period of low investor liquidity. In the case of the Citizens Balanced Scheme the extra ten days provide an essential cushion for retail investors to arrange their finances. It also reflects the commitment of the fund manager to ensure that the scheme reaches its full capital potential which is necessary for the effective execution of its investment strategy.

For many small scale investors this extension is a second chance to enter the market at a time when the Nepal Stock Exchange or NEPSE is trading at relatively subdued levels. Historically entering a mutual fund when the broader market index is low allows the fund manager to purchase high quality stocks at a discount. This strategic entry is one of the primary reasons why the Citizens Balanced Scheme is projected to yield an average annual return of approximately 14 percent. By investing now participants are positioning themselves to benefit from the eventual recovery of the Nepalese equity market.

INVESTMENT LIMITS AND APPLICATION PROCEDURE

Participating in the Citizens Balanced Scheme is designed to be accessible for all segments of society from students and homemakers to large corporate houses. The minimum investment requirement is set at 100 units which translates to a total cost of 1000 rupees. On the higher end individual and institutional investors can apply for a maximum of 10 million units which represents a total investment of 100 million rupees or 10 crore.

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To facilitate a smooth application process the bank has utilized the centralized C ASBA system. Interested parties can submit their applications through their MeroShare accounts online which is the most convenient method for modern investors. For those who prefer physical banking services applications are also accepted at the designated branches of all CASBA member banks and financial institutions across Nepal. This nationwide network ensures that even investors in rural areas have equal access to this professional investment vehicle.

THE ROLE OF CITIZENS CAPITAL LIMITED AND THE FUND SPONSOR

Citizens Capital Limited formerly known as CBIL Capital has established itself as a major player in the Nepalese merchant banking sector. As the scheme manager the company brings years of expertise in portfolio management financial advisory and issue management. Their track record with previous mutual fund products has shown a commitment to transparency and regular reporting of the Net Asset Value or NAV.

The backing of Citizens Bank International Limited as the fund sponsor provides an additional layer of trust and financial stability. As one of the leading commercial banks in the country the involvement of Citizens Bank ensures that the scheme is managed with the highest standards of corporate governance. The bank extensive network and resource base provide the fund manager with the necessary support to navigate the complexities of the financial markets in Nepal.

BALANCING RISK AND REWARD IN THE CURRENT MARKET CLIMATE

A balanced mutual fund is particularly attractive in late 2025 as the global and local economies face shifting interest rates and inflationary pressures. Unlike pure equity funds which can be highly volatile a balanced scheme allocates a significant portion of its assets to debentures and corporate bonds. These fixed income instruments provide a steady stream of interest income which acts as a buffer during market downturns.

At the same time the equity component allows the fund to capture the upside of the stock market. With the NEPSE index currently hovering in a range that many analysts consider to be undervalued the potential for capital appreciation is significant. The 14 percent projected return is a reflection of this diversified strategy where the goal is not just to survive market fluctuations but to thrive through them.

CONCLUSION AND FINAL CALL TO ACTION

In conclusion the extension of the application deadline for the Citizens Balanced Scheme until Poush 18 2082 represents a strategic opportunity for long term wealth creation. Whether you are a first time investor or a seasoned market participant the combination of professional management low entry costs and a balanced approach makes this scheme a noteworthy addition to any financial portfolio. As the window for subscription remains open for a few more days it is the ideal time to review your investment goals and take a step toward securing your financial future.

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