A Complete Guide To The Citizens Sadabahar Yojana

1st August 2025, Kathmandu

The recent news from Citizens Mutual Fund about the successful unit allocation of its new open-ended scheme, the Citizens Sadabahar Yojana, is a major development you shouldn’t miss.

Citizens Bank Sadabahar Yojana

The Citizens Sadabahar Yojana is the first open-ended mutual fund scheme introduced by Citizens Mutual Fund. It’s promoted by Citizens Bank International Limited and professionally managed by Citizens Capital Limited. This new fund offers a professionally managed investment option that helps you diversify your portfolio without the complexities of directly buying individual stocks.

An open-ended fund is a special type of mutual fund. Unlike closed-ended funds that have a fixed number of units, an open-ended fund can create new units to meet investor demand and redeem existing units when investors want to cash out. This flexibility allows one to buy or sell their units at any time after the initial public offering (IPO), providing greater liquidity and control over their investment.

The Overwhelming Success of the Initial Public Offering

The public issuance for the Citizens Sadabahar Yojana was held from June 27 to July 11, 2025. The response from investors was overwhelmingly positive, with the number of applications far exceeding the initial units offered for sale. This strong demand highlights the growing public trust and interest in mutual funds as a reliable investment vehicle in Nepal.

The process of issuing and allocating these units was carried out with full transparency and in accordance with all regulatory guidelines. After the public subscription period closed, a unit allocation committee carefully prepared the allotment schedule. This schedule was then reviewed and approved by the Securities Board of Nepal (SEBON), the main regulatory body for the securities market.

On July 31, 2025, the official allotment of units was successfully completed. This significant milestone took place at the offices of Citizens Capital Limited and was overseen by representatives from the fund manager, the fund promoter (Citizens Bank), CDSC and Clearing Limited, and even several investors. This public and transparent process ensures that all investors receive a fair share of the allocated units.

How to Check Allotment Status

If applied for units in the Citizens Sadabahar Yojana, one can easily check their allotment status. This process is straightforward and provides quick access to investment information. There are two primary ways to check results:

• Fund Manager’s Website: Visit the official website of Citizens Capital at www.citizenscapital.com.np
• CDSC’s IPO Result Portal: Go to the IPO result portal managed by CDSC at www.iporesult.cdsc.com.np

Checking status through these official channels ensures accurate and up-to-date information regarding the investment.

Why is this Fund a GameChanger for Nepali Investors?

The successful launch of the Citizens Sadabahar Yojana is more than just a one-off event. It’s a major step forward for the Nepali financial market. Here’s why it’s so important:

1. Promoting Financial Inclusion: Mutual funds make it easier for a wider range of people to invest in the stock market. You don’t need a huge amount of capital or in-depth market knowledge to start. By offering a professionally managed portfolio, the fund opens doors to new investors who might be hesitant about direct stock trading.

2. Professional Management and Lower Risk: When you invest in the Citizens Sadabahar Yojana, your money is managed by a team of financial experts at Citizens Capital Limited. They make investment decisions based on thorough research and market analysis, which can lead to better returns. Also, a mutual fund diversifies its investments across various stocks and sectors, which helps to spread risk and protect your capital better than if you were to invest in just one or two companies.

3. Liquidity and Flexibility: The open-ended nature of the fund means you can buy or sell units whenever you need to. This flexibility is a huge advantage, allowing you to access your money without waiting for a fixed maturity period. This makes it an ideal option for both long-term savings and more short-term financial goals.

What’s Next for the Citizens Sadabahar Yojana?

With the unit allocation process now complete, Citizens Capital Limited will focus on managing the fund. Their primary goal is to grow the fund’s value and maximise returns for investors while maintaining a careful, risk-aware approach. This marks the beginning of a new journey for the fund and its investors.

The successful launch and timely allocation of this scheme demonstrate the maturity and growing potential of the mutual fund market in Nepal. It reassures investors that structured and professionally managed investment products are not only available but are also becoming a key part of the country’s financial landscape.

For More: Citizens Bank Sadabahar Yojana