Citizens Bank International Launches Easy Home Loan and Vehicle Loan Schemes

10th September 2026, Kathmandu

Citizens Bank International Limited has introduced two new loan products designed to offer competitive, fixed rate financing for retail customers.

Citizens’ Easy Home Loan

Launched under the slogan “Give Shape to Your Dream Home, Citizens Home Loan Will Make Your Dream Come True,” the schemes offer fixed interest rate structures for initial financing periods alongside long term repayment clarity.

Fixed Interest Rate Structure and Loan Terms

The newly introduced credit facilities provide predictable repayment terms for individuals planning home purchases or personal vehicle acquisitions.

Advertisement

• Easy Home Loan (Sajilo Ghar Karja): Features a fixed interest rate of 5.99 percent per annum for an initial period of five years.
• Personal Vehicle Loan: Features a fixed interest rate of 5.99 percent per annum for an initial period of three years.
• Variable Rate Adjustment: Following the conclusion of the fixed rate period, interest rates will adjust to the bank prevailing average monthly base rate plus a 1.5 percent premium.
• Application Access: Interested borrowers can apply or inquire directly at any Citizens Bank branch office across Nepal.

Recent Digital Innovation and Service Portfolio Expansion

Recognized as Bank of the Year for 2024 and 2025, Citizens Bank continues to roll out digital products and tailored accounts for diverse demographic segments.

• Citizens Fonepay Credit Card: Launched in collaboration with Fonepay as Nepal first virtual credit card solution.
• Target Savings Accounts: Features the Citizens Gen Z Saving Account tailored for youth and the Freelancer Saving Account designed specifically for independent gig workers.
• Integrated Digital Platforms: Operates the Citizens Digi Bank Service and enables customers to apply for primary market shares and receive CRN numbers directly through mobile banking.
• Cross Bank Teller Service: Allows customers of non partner financial institutions to scan branch teller QR codes and perform cash withdrawals.

Citizens Bank Nationwide Network and Operational Scale

The institutional expansion supports a growing customer base with physical and digital touchpoints across the country.

• Customer Reach: Delivers banking services to over 2.064 million clients nationwide.
• Physical Infrastructure: Operates across 61 districts using a network of 200 branches, 169 ATMs, 3 extension counters, and 42 branchless banking units.

For More: Citizens’ Easy Home Loan