Citizens Bank International Limited Announces Revised Deposit And Loan Interest Rates From Shrawan 1 2083

16th July 2026, Kathmandu

Citizens Bank International Limited, a prominent class A commercial bank licensed by Nepal Rastra Bank, has officially released its updated annual interest rate structures.

Citizens Bank Interest Rate Revision

The revised financial schedule affects retail saving profiles, multi-tiered term deposits, foreign currency options, and diverse financing packages.

The newly customized interest updates come into immediate effect starting Shrawan 1, 2083, which corresponds to July 17, 2026. According to the institutional briefing, this calibrated interest framework matches the shifting liquidity conditions in Nepal, ensuring reliable earnings for retail savers alongside cost-efficient borrowing tracks.

Key Highlights Of Citizens Bank Deposit Interest Rates

The bank has structured its local currency deposit portfolios to reward specific consumer demographics. For general savers, the annual interest yields and respective minimum balance parameters are defined across distinct tiers:

• A baseline yield of 2.76 percent per annum is applicable to standard consumer products. This includes Citizens Bishesh Bachat Khata, Citizens Normal Savings Account, Mero Citizens Bachat Khata, Citizens Mahila Bachat Account, Citizens G2P Savings Account, Citizens Dasak Savings Account, and Citizens Sharedhani Bachat Khata.
• The same 2.76 percent rate applies to Citizens Muna Bachat Account, Senior Citizens Savings Account, Citizens Branchless Bachat Account, Citizens Matribhum i Bachat Account, Citizens Smart Bachat Khata, Citizens Bidhyarthi Bachat Account, Citizens Saral Bachat Khata, Citizens Gold Tester Savings, and Microfinance Personal Savings Accounts.
• Minimum balance thresholds for the 2.76 percent tier range from zero to 500 NPR. Specifically, zero minimum balances are maintained for the Normal Savings, G2P, Senior Citizen, Branchless, Smart, Bidhyarthi, Gold Tester, and Microfinance savings options.
• Higher tiered interest yields are structured for premium portfolios. Citizens Samrakhshit Bachat Khata provides an annual yield of 2.81 percent with a minimum balance requirement of 1000 NPR.
• A specialized yield of 3.01 percent per annum is available for Citizens Gen Z Saving Account, Citizens Enterprises Fund Account, Citizens Privilege Savings Account, Citizens Talab Bachat Khata, Citizens Share Lagani Khata, Health and Wealth Savings Account, Citizens Hamro Karnali Bachat Khata, Citizens Premium Talab Bachat Khata, Citizens Premium Family Account, and Citizens Freelancer Saving Account.
• Minimum balance restrictions for the 3.01 percent accounts vary between zero and 300000 NPR, with the highest requirement designated for the Health and Wealth Savings portfolio.
• Top tier local currency savings yields are set at 3.76 percent per annum for the Citizens International Remit Saving Account and the Remittance IPO Savings Account, requiring minimum balances of 5000 NPR and 1000 NPR respectively.

Domestic Fixed, Recurring, And Foreign Currency Options

Maturity timelines for Nepalese Rupee term accounts have been aligned across identical yield percentages for individual and institutional fixed deposits, structured around a minimum placement of 25000 NPR:

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• Fixed terms from 3 months to below 6 months provide an annual return of 2.80 percent.
• Fixed terms from 6 months to below 12 months offer an annual yield of 2.85 percent.
• Fixed terms from 12 months to below 24 months provide a flat 3.00 percent return.
• Extended maturities stretching 24 months and above pay a maximum domestic yield of 3.95 percent.
• Separate institutional fixed terms are offered at 2.75 percent for tenures between 24 and 36 months, and 3.00 percent for tenures above 36 months under the Citizens Ekmustha Muddhati Yojana.
• Special digital deposits offer a flat 3.25 percent yield for 12 month tenures via the Citizens Digital Fixed Deposit track.

Formal inward remittance channels receive prioritized asset growth through the Citizens International Remittance Fixed Deposit scheme:

• Portfolios from 3 months to below 6 months yield an annual rate of 3.80 percent.
• Portfolios from 6 months to below 12 months yield an annual rate of 3.85 percent.
• Portfolios from 12 months to below 24 months yield a flat 4.00 percent return.
• Placements spanning 24 months and above reach a peak structural return of 4.95 percent.
• Global currency deposits are also accommodated by the bank. For foreign currency savings, accounts in US Dollar and Australian Dollar yield 2.75 percent and 2.00 percent respectively, while Great Britain Pound pays 1.50 percent and Euro accounts pay 1.00 percent.

For longer tenures, foreign currency fixed deposits up to 5 years provide specialized upper returns of 3.40 percent for USD, 2.65 percent for GBP, 2.40 percent for AUD, and 1.90 percent for Euro. The bank’s standard call deposits are managed as per prevailing regulatory instructions.

Lending Lines And Variable Premium Framework

Borrowing solutions are provided through floating rate packages tied closely to the institutional cost of funds. The commercial financial institution has confirmed its average base rate for the last three consecutive months ending Jestha 2083 at 5.20 percent per annum, while the singular base rate for Jestha end stands at 5.11 percent per annum.

Variable lending rates are structured by applying specialized premium marks over the average base rate, adjusted continuously according to internal credit risk grading and deal tenure:

• Corporate and trade financing lines carry an added premium of up to 2.50 percent over the base rate. This includes Term Loans, Cash Credit, Working Capital, Short Term Loans, Demand Loans, Bridge Gap Loans, Pledge Loans, Trust Receipt Loans, and Export Finance.
• Small business and equipment solutions feature diversified margins. Citizens Equipment Loans carry a premium of up to 3.00 percent over the base rate. Standard SME Loans, MSME Loans, and specialized corporate term options maintain a variable premium cap of up to 4.00 percent over the baseline rate.
• Consumer portfolios provide targeted lending options. Citizens Home Loans feature an added premium of up to 2.50 percent over the base rate. Private Auto Loans carry a premium of up to 2.95 percent, while Commercial Auto Loans require up to 3.00 percent over the base rate.
• Higher risk personal credit packages carry specialized caps. Citizens Education Loans, Mortgage Term Loans, Personal Overdrafts, Margin Lending, and Fast Track Loans carry variable premiums of up to 3.00 percent or 4.00 percent over the base rate.
• Central bank mandated tracks are strictly protected. Citizens One District One Product lines and specialized Agriculture and Enterprise Loans carry a low variable premium restricted up to 2.00 percent over the base rate.
• Deprived sector wholesale credit is capped at a premium of up to 2.00 percent, whereas general subsidized loans remain guided by national regulatory directives.
• Assets secured directly against financial collaterals are charged a premium of 2 percent above the respective source asset yield or the baseline funding rate. This includes loans against first class bank guarantees, government bonds, or the bank’s own fixed deposit receipts.
• Short term foreign currency import loans carry a net effective flat rate of up to 5.00 percent per annum independent of the domestic base rate. Pay Day Loans are priced flat at 15 percent per annum.

Predictable Consumer And Commercial Fixed Lending Tracks

To isolate commercial and retail clients from unexpected marketplace fluctuations, Citizens Bank International Limited offers comprehensive fixed interest tracks across multiple terms:

• Home financing lines under Citizens Home Loan and special 7 year iterations are structured around stable timelines. Tenures up to 5 years are locked at 9.00 percent per annum, tenures from 6 to 10 years are fixed at 9.50 percent, tenures from 11 to 15 years stand at 10.00 percent, and timelines above 16 years are fixed at 10.50 percent per annum.
• Specialized 7 year packages under Citizens Home Loan Fixed Interest Series IV and V offer locked operational rates of 7.99 percent and 6.99 percent per annum respectively for the first seven years.
• Fixed motor vehicle funding is split between private and commercial categories. Private Auto Loans are fixed at 9.50 percent per annum for up to 5 years and 10.00 percent for tenures up to 10 years, while Commercial Auto Loans remain locked flat at 10.00 percent per annum.
• General retail credit options are standardized at 10.00 percent or 10.50 percent per annum depending on short or long maturity horizons. This covers Personal Term Loans, Professional Term Loans, Flexi Loans, Sewagrahi Karja, Ghaderi Karja, and Fast Track Loans.
• Specialized academic credit under the Citizens Saikshik Karja 7 year series is locked at a fixed rate of 9.99 percent per annum, whereas standard Education Loans for terms up to 5 years are fixed at 9.90 percent per annum.
• Small scale commercial microfinance credit is structured at a fixed annual rate of 13.50 percent.
• Business and enterprise fixed term options provide long term visibility. General Working Capital Term Loans and standard Corporate Term Loans are fixed at 9.00 percent per annum for tenures up to 5 years and 9.50 percent for terms stretching up to 10 years.
• Easy Business Loans for working capital or term structures up to 2.5 million NPR are fixed efficiently at 5.99 percent per annum for the first two years, while primary corporate term credits up to 5 years are capped up to 8.00 percent per annum.

For More: Citizens Bank Interest Rate Revision