Citizens Bank International Limited Announces Revised Interest Rates for Deposits and Credit Facilities

15th June 2026, Kathmandu

Citizens Bank International Limited has officially updated its interest rate structures across all local currency savings, foreign currency accounts, fixed term placements, and diverse corporate, SME, and retail credit portfolios.

Citizens Bank Interest Rates

The newly announced rates take effect on June 15 2026, marking the 1st day of Ashad 2083 in the local calendar. With this pricing adjustment, the financial institution aligns its retail packages with central bank standards, offering predictable earnings for savers alongside structured premium choices for corporate, small business, and individual borrowers nationwide.

Local Currency Savings and Deposit Account Tiers

Local currency savings products offer varying yields based on target account classifications, complemented by flexible minimum balance requirements.

• Citizens Specialized Bachat Khata: 2.75 percent per annum
• Citizens Normal Savings Account: 2.75 percent per annum
• Citizens Mahila Bachat Account: 2.75 percent per annum
• Citizens VIP Savings Account: 2.75 percent per annum
• Citizens Dasak Savings Account: 2.75 percent per annum
• Citizens Shubhachintak Bachat Khata: 2.75 percent per annum
• Citizens Muna Bachat Account: 2.75 percent per annum
• Senior Citizens Savings Account: 2.75 percent per annum
• Citizens Shareholder Bachat Account: 2.75 percent per annum
• Citizens Matribhumi Bachat Account: 2.75 percent per annum
• Citizens Smart Bachat Khata: 2.75 percent per annum
• Citizens Bidyarthi Bachat Account: 2.75 percent per annum
• Citizens Baal Bachat Khata: 2.75 percent per annum
• Citizens Gold Tester Savings: 2.75 percent per annum
• Microfinance Personal Savings Account: 2.75 percent per annum
• Citizens Samrakshak Bachat Khata with 1,000 NPR minimum balance: 2.80 percent per annum
• Citizens Win 7 Savings Account: 3.00 percent per annum
• Citizens Enterprises Fund Account: 3.00 percent per annum
• Citizens Privilege Savings Account: 3.00 percent per annum
• Citizens Salary Bachat Khata: 3.00 percent per annum
• Citizens Share Lagani Khata: 3.00 percent per annum
• Mauchhard Wali Savings Account: 3.00 percent per annum
• Citizens Hamro Karnali Bachat Khata: 3.00 percent per annum
• Citizens Prithvi Bachat Khata: 3.00 percent per annum
• Citizens Premium Family Account: 3.00 percent per annum
• Citizens Freelancer Saving Account: 3.00 percent per annum
• Citizens NTL Remit Saving Account: 3.00 percent per annum
• Remittance IPO Savings Account: 3.75 percent per annum
• Local Currency Call Deposits: Negotiable in strict accordance with Nepal Rastra Bank directives

Local Currency Fixed Deposit Investment Tiers

Rupee denominated fixed placement opportunities are split across individual, institutional, and specialized tracking pathways over defined maturity blocks.

• Individual Fixed Deposits from 3 Months and below 6 Months: 3.35 percent per annum
• Individual Fixed Deposits from 6 Months and below 12 Months: 3.50 percent per annum
• Individual Fixed Deposits from 12 Months and below 24 Months: 3.85 percent per annum
• Individual Fixed Deposits lasting 24 Months and Above: 4.05 percent per annum
• Institutional Fixed Deposits from 24 Months and below 36 Months: 2.75 percent per annum
• Institutional Fixed Deposits from 36 Months and below 60 Months: 3.00 percent per annum
• Institutional Fixed Deposits lasting 60 Months and Above: 3.50 percent per annum
• Citizens Dhanabriddhi Muddati Yojana from 3 Months and below 6 Months: 3.35 percent per annum
• Citizens Dhanabriddhi Muddati Yojana from 6 Months and below 12 Months: 4.00 percent per annum
• Citizens Dhanabriddhi Muddati Yojana from 12 Months and below 24 Months: 4.15 percent per annum
• Citizens Dhanabriddhi Muddati Yojana lasting 24 Months and Above: 4.50 percent per annum
• Citizens International Remittance Fixed Deposit from 3 Months and below 6 Months: 3.35 percent per annum
• Citizens International Remittance Fixed Deposit from 6 Months and below 12 Months: 4.00 percent per annum
• Citizens International Remittance Fixed Deposit from 12 Months and below 24 Months: 4.15 percent per annum
• Citizens International Remittance Fixed Deposit lasting 24 Months and Above: 4.50 percent per annum
• Citizens BLB Fixed Deposit lasting 24 Months and Above: 2.50 percent per annum
• Citizens Digital Fixed Deposit for a 12 Month Period: 3.40 percent per annum

Foreign Currency Savings and Fixed Deposit Structures

International currency lines support global trading accounts and general asset management across Great British Pounds, Euros, US Dollars, and Australian Dollars.

Great British Pound Saviosits: 2.00 percent per annum

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• ng Deposits: 1.25 percent per annum
• Great British Pound Fixed Deposits: Up to 2.00 percent per annum
• Euro Saving Deposits: 1.50 percent per annum
• Euro Fixed Deposits: Up to 2.00 percent per annum
• US Dollar Saving Deposits: 2.25 percent per annum
• US Dollar Fixed Deposits: Up to 3.40 percent per annum
• Australian Dollar Saving DepAustralian Dollar Fixed Deposits: Up to 3.00 percent per annum
• Citizens Overseas FCY Fixed Deposit 1 Year and Above with a 1,000 USD minimum balance equivalent: 3.40 percent per annum flat rate
• Foreign Currency Call Deposits: Entirely open for custom negotiation

Corporate Floating Rate Loan Portfolios

Floating rate credit facilities for enterprises are determined using the bank base rate plus a designated premium margin percentage ceiling.

• Corporate Term Loans Floating Track: Base rate plus a premium spread up to 2.25 percent
• Corporate Cash Credit Facilities: Base rate plus a premium spread up to 2.50 percent
• Corporate Working Capital Loans: Base rate plus a premium spread up to 2.50 percent
• Corporate Short Term Loans: Base rate plus a premium spread up to 2.50 percent
• Corporate Demand Loans: Base rate plus a premium spread up to 2.50 percent
• Corporate Bridge Gap Loans: Base rate plus a premium spread up to 2.50 percent
• Corporate Pledge Loans: Base rate plus a premium spread up to 2.50 percent
• Corporate Trust Receipt Loans: Base rate plus a premium spread up to 2.50 percent
• Export Finance Credit Lines: Base rate plus a premium spread up to 2.50 percent

Retail and SME Floating Rate Financing Portfolios

Consumer credit products and small business loans carry specified premium caps applied over the standard operational benchmark.

• Citizens Equipment Loans Floating Track: Base rate plus a premium spread up to 3.00 percent
• Citizens Home Loans Floating Track: Base rate plus a premium spread up to 3.00 percent
• Citizens Auto Loans Private Floating Track: Base rate plus a premium spread up to 3.00 percent
• Citizens Education Loans Floating Track: Base rate plus a premium spread up to 3.00 percent
• Citizens Mortgage Term Loans Floating Track: Base rate plus a premium spread up to 3.00 percent
• Citizens Mortgage Overdraft Lines: Base rate plus a premium spread up to 3.00 percent
• Citizens Margin Lending Facilities: Base rate plus a premium spread up to 3.00 percent
• Citizens Agriculture and Enterprise Loans: Base rate plus a premium spread up to 3.00 percent
• SME and MSME Loans General Portfolio: Base rate plus a premium spread up to 3.50 percent
• Citizens Easy Business Loans up to Rs 2.5 Million: Average base rate plus a flat 1.00 percent premium
• Citizens Auto Loans Commercial: Base rate plus a premium spread up to 4.00 percent
• Citizens Gold Loans: Base rate plus a premium spread up to 4.00 percent
• Citizens Fast Track Loans Floating Track: Base rate plus a premium spread up to 4.00 percent
• Citizens Bike or Auto Loans Floating Track: Base rate plus a premium spread up to 4.00 percent
• Citizens One District One Product Lines Floating Track: Base rate plus a premium spread up to 4.00 percent
• Citizens QR Merchant Loans: Base rate plus a premium spread locked at 3.00 percent
• Per Day Loans Portfolio: High fixed facility rate set at 15.00 percent per annum

Fixed Interest Rate Consumer Loan Products

Individual retail borrowers can access guaranteed fixed interest rates across standard maturities to insulate monthly payments from base rate updates.

• Citizens Home Loans up to 5 Years Maturity: 7.99 percent per annum
• Citizens Home Loans from 5 to 10 Years Maturity: 8.49 percent per annum
• Citizens Home Loans extending 10 Years and Above: 8.99 percent per annum
• Citizens Home Loans Special 7 Year Track Option A: 7.99 percent per annum fixed for the initial 5 years
• Citizens Home Loans Special 7 Year Track Option B: 8.99 percent per annum fixed for the initial 2 years
• Citizens Mortgage Term Loans up to 5 Years Maturity: 9.50 percent per annum
• Citizens Mortgage Term Loans from 5 to 10 Years Maturity: 10.00 percent per annum
• Citizens Mortgage Term Loans extending 10 Years and Above: 10.50 percent per annum
• Citizens Swaichhik Karja up to 5 Years Maturity: 8.99 percent per annum
• Citizens Education Loans up to 5 Years Maturity: 9.50 percent per annum
• Citizens Education Loans from 5 to 10 Years Maturity: 10.00 percent per annum
• Citizens Equipment Loans up to 5 Years Maturity: 10.00 percent per annum
• Citizens Auto Loans Commercial up to 5 Years Maturity: 10.00 percent per annum
• Citizens Auto Loans Private up to 5 Years Maturity: 9.50 percent per annum
• Citizens Auto Loans Private from 5 to 10 Years Maturity: 10.00 percent per annum
• Citizens Fast Track Loans up to 5 Years Maturity: 10.00 percent per annum
• Citizens Fast Track Loans from 5 to 10 Years Maturity: 10.50 percent per annum
• Citizens Bike or Auto Loans up to 5 Years Maturity: 10.50 percent per annum
• Citizens One District One Product Lines up to 5 Years Maturity: 10.50 percent per annum
• Citizens Maintenance Loans up to 5 Years Maturity: 10.50 percent per annum

Fixed Interest Rate Business and Enterprise Credit Portfolios

Small businesses, medium enterprises, and corporate entities can leverage fixed term interest pricing options across multiple structured years.

• MSME or SME Working Capital Term Loans up to 5 Years Maturity: 9.00 percent per annum
• MSME or SME Working Capital Term Loans from 5 to 10 Years Maturity: 9.50 percent per annum
• Business Term Loans up to 5 Years Maturity: 9.00 percent per annum
• Business Term Loans from 5 to 10 Years Maturity: 9.50 percent per annum
• Business Term Loans extending 10 Years and Above: 10.00 percent per annum
• Easy Business Working Capital Term Loans: 8.50 percent per annum fixed for the initial 2 years
• Easy Business General Term Loans: 8.50 percent per annum fixed for the initial 2 years
• Corporate Loans and Term or Working Capital Structures: Up to 8.75 percent per annum fixed for the initial 5 years

Core Policy Rules and Operational Guidelines

Operational reference standards, special risk profiles, and regulatory compliance metrics ensure stability across all client product alignments.

• Average Base Rate baseline metric at Baisakh End 2083: 8.25 percent per annum
• Specific Base Rate baseline metric at Baisakh End 2083: 8.19 percent per annum
• Customized Risk Pricing Premium Matrix: Exact premium rates for each individual borrower are determined subject to specific loan type, category, maturity tenure, and internal credit risk grading metrics
• Interest Payout Schedule: Interest payment frequency configurations for retail deposit products can be managed on either a standard quarterly or monthly automated schedule
• Product Class Uniformity Mandate: In accordance with Central Bank regulations, interest rates applied to similar nature retail loan products must stay closely aligned with active NRB directives
• General Institutional Charges: Standard administrative fees, processing charges, and penal interest rates apply as per general bank policy guidelines and risk management documentation

For More: Citizens Bank Interest Rates