Citizens Bank Nepal Interest Rates and Loan Updates Effective from 17th November 2025

17th November 2025, Kathmandu

Citizens Bank Nepal has formalized its revised interest rates on deposits and loans, with the new structure taking effect from 1st Mangsir 2082 (17th November 2025).

Citizens Bank Updates Interest Rates

The bank’s announcement details a wide range of competitive offerings across its product portfolio, designed to meet the varying financial needs of its individual and institutional clientele in the prevailing market environment. This detailed update is essential for customers in formulating their financial planning and investment strategies.

Citizens Bank Deposit Products and Interest Rates

Citizens Bank provides a tiered structure for its deposit products, differentiating rates based on the account type, balance, and deposit tenure, especially for fixed deposits.

Nepalese Rupee (NPR) Deposits

For general savings, the Citizens Savings Deposit features a tiered interest rate ranging from 2.77 percent to 3.77 percent per annum for balances up to NPR 300,000. This range offers a slight premium for lower balances, aiming to encourage small-scale individual savings.

The rates for Citizens Fixed Deposit (Individual) are structured according to the deposit tenure:

• Deposits up to 3 months are offered 2.85 percent.
• The rate increases to 3.00 percent for a 6-month tenure.
• A one-year commitment (12 months) yields 3.50 percent.
• The rate continues to climb to 3.75 percent for 18-month deposits.
• The highest published rate of 4.75 percent is secured for long-term deposits of 36 months and above.
• Institutional fixed deposits are also offered competitive rates, with 2.75 percent for 18–36 months and 3.00 percent for tenures exceeding 36 months.

The bank offers several specialized deposit schemes:

The Citizens Ekmustha Muddhati Yojana (CEMY) features interest rates that start at 2.85 percent for 3 months and rise to 3.75 percent for deposits between 18 and 24 months.

The Citizens International Remittance Fixed Deposit, designed to attract foreign capital, offers a higher return of 3.85 percent for 3–6 months and 4.00 percent for 6–12 months.

The Citizens BLB Fixed Deposit provides a wide range of returns from 2.75 percent to 5.75 percent, depending on the tenure.

Additionally, Citizens Digital Fixed Deposit and Citizens Call Deposit are available, with the latter commencing at a rate of 3.75 percent.

Foreign Currency (FCY) Accounts

Citizens Bank maintains comprehensive foreign currency services, with specific interest rates defined for major global currencies in both savings and fixed deposit forms.

FCY Saving Accounts rates are set at 3.15 percent for USD, 2.15 percent for GBP, 1.90 percent for EURO, and 2.40 percent for AUD.

FCY Fixed Deposit rates are higher, reaching 3.75 percent for USD, 3.00 percent for GBP, 2.25 percent for EURO, and 2.75 percent for AUD.

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The Citizens Overseas FCY Fixed Deposit requires a minimum deposit of USD 1,000 and offers a uniform interest rate of 3.75 percent for one year and above, specifically targeting non-resident Nepalese (NRN) and foreign investors.

Loans and Advances: Corporate and Consumer Loans

Citizens Bank employs a hybrid pricing strategy for its loan products, using both fixed and floating rates to manage risk and provide customer flexibility.

The Base Rate (BR), currently fixed at 5.90 percent per annum, is the benchmark for all floating rate loans.

Corporate, SME, and MSME Loans
Corporate loans, which include term loans, cash credit, and working capital facilities, have premiums of up to 2.50 percent added to the base rate. This structure means the final lending rate will be the base rate plus the determined premium.

SME and MSME loans, including working capital and QR merchant loans, are priced within a broad range of 2.00 percent to 13.50 percent. The specific rate is determined by the loan type, tenure, and the bank’s internal credit risk grading of the business.

Consumer Loans

The bank has introduced competitive fixed interest rates for up to seven years on consumer loans, providing certainty in monthly payments for borrowers.

Home loans are offered at an attractive fixed rate starting at 5.00 percent.

Education and equipment loans are available at fixed rates ranging from 9.50 percent to 10.50 percent, depending on the tenure.

Specialized products like the Fast Track Loan (CFTL), Bina Dhito Karja (collateral-free loan), and One District One Product (ODOP) loans carry interest rates of up to 10.50 percent.

Citizens Bank also offers financing against existing financial assets, providing loans against fixed deposits, promissory notes, first-class bank guarantees, and government bonds, adding an extra layer of financial flexibility for both individuals and institutions.

Interest Payment Frequency and Compliance

The bank ensures transparency by offering interest payments on most deposit accounts on a quarterly or monthly basis. Furthermore, all foreign currency loans and deposits strictly adhere to the guidelines and directives stipulated by Nepal Rastra Bank (NRB).

With these updated rates, Citizens Bank Nepal aims to maintain its competitive edge in the market, encouraging savings and investment while supporting economic growth through accessible and diverse financial products.

For More: Citizens Bank Updates Interest Rates