25th June 2025, Kathmandu
Citizens Bank International Limited has introduced a facility that allows customers to take loans online against their fixed deposits, aiming to make banking services more convenient, simple, and modern.
Citizens Bank Online Fixed Deposit Loan
Under this scheme, customers can easily obtain emergency loans using their fixed deposits via the mobile app. They can borrow up to 90% or more of their fixed deposit amount, with a loan limit of up to NPR 200,000 and a minimum of NPR 5,000. The loan amount will be instantly credited to the applicant’s savings account. No physical documents are required for this process.
Citizens Bank continuously introduces new digital services to save customers’ time, effort, and resources, and to make service delivery more effective by leveraging digital technology.
Recently, the bank won the prestigious global award, “Bank of the Year 2024.” The bank has also launched Nepal’s first virtual credit card in collaboration with Fonepay, called “Citizens Fonepay Credit Card.” Additionally, services like share application, CRN number issuance via mobile banking app, and cross-bank teller services (allowing customers of other banks to withdraw cash by scanning a QR code at Citizens Bank branches) have been introduced.
Citizens Bank International Limited operates through 200 branches, 168 ATMs, 3 extended counters, and 74 branchless banking units across 61 districts, serving more than 1.97 million customers with modern banking services throughout the country.
About Citizens Bank
The bank provides a full range of financial services, including savings accounts, deposits, loans, credit and debit cards, and remittance services. Customers can access Citizens Express Banking, an online platform offering 24/7 banking services such as fund transfers, bill payments, and account statements.
Its mobile app, Citizen Smart, offers features like biometric login, QR code payments, and utility bill payments for added convenience and security.
The bank is a pioneer in Nepal’s digital banking space. It introduced the country’s first virtual credit card in collaboration with Fonepay. Customers also benefit from online account opening and digital KYC processes, making banking faster and easier.
For investors, the bank facilitates IPO applications through ASBA (Application Supported by Blocked Amount), simplifying investment procedures.
With a strong focus on digital innovation and customer convenience, the bank serves millions nationwide, striving to provide efficient and modern banking services through its extensive branch and digital networks.
For more:- Citizens Bank Online Fixed Deposit Loan