Citizens Bank International Limited
Savings Deposit
2.75–4.50%- Regular Savings Account 2.75%
- Citizens Plus Premium Savings 3.50%
- Jestha Nagarik Savings (Senior Citizen) 3.75%
- Nari Bachat (Women Savings) 3.50%
- Remittance Savings 4.50%
Fixed Deposit
3.25–4.75%- Fixed Deposit – 3 to 6 Months 3.25%
- Fixed Deposit – 6 Months to 1 Year 3.75%
- Fixed Deposit – 1 Year to 2 Years 4.50%
- Fixed Deposit – 2 Years and Above 4.75%
Call Deposit
3.00%- Call Deposit 3.00%
Recurring Deposit
4.50%- Recurring Deposit 4.50%
Current Account
- Current Account —
Home / Housing Loan
9.95–10.95%- Home / Housing Loan — BR + 2.00% to 3.00% 9.95%
- Housing Loan above 1 crore — BR + 2.50% to 3.50% 10.45%
- Home Equity / Mortgage Loan — BR + 2.50% to 4.00% 10.95%
Auto / Vehicle Loan
10.45–10.95%- Auto / Private Vehicle Loan — BR + 2.50% to 3.50% 10.45%
- Two-Wheeler Loan — BR + 2.75% to 3.75% 10.70%
- Commercial Vehicle Loan — BR + 2.75% to 4.00% 10.95%
Hire Purchase
10.45%- Hire Purchase Loan — BR + 2.50% to 3.50% 10.45%
Personal / Professional
10.95–11.70%- Personal Term Loan — BR + 3.50% to 4.50% 11.45%
- Personal Overdraft Loan — BR + 3.75% to 4.75% 11.70%
- Professional Loan — BR + 2.75% to 4.00% 10.95%
Education Loan
10.95%- Education Loan — BR + 2.75% to 4.00% 10.95%
- Foreign Education Loan — BR + 3.00% to 4.00% 10.95%
Business / SME / Working Capital
10.45–10.95%- Business / SME Term Loan — BR + 1.75% to 3.50% 10.45%
- Working Capital / OD — BR + 1.25% to 3.50% 10.45%
- Bridge Gap Loan — BR + 2.50% to 4.00% 10.95%
- Cash Credit / STL / DL / TR — BR + 1.25% to 3.50% 10.45%
Agriculture Loan
9.95%- Agriculture / Agro Loan — BR + 1.50% to 3.00% 9.95%
- Agriculture Mechanisation Loan — BR + 1.50% to 3.00% 9.95%
Microfinance / Wholesale
8.95%- Wholesale Microfinance (MFI / NBFC) — BR + up to 2.00% 8.95%
Gold Loan
10.95%- Gold Loan — BR + 2.50% to 4.00% 10.95%
Foreign Employment Loan
10.95%- Foreign Employment Loan — BR + 2.75% to 4.00% 10.95%
Deprived Sector Loan
10.45–10.95%- Deprived Sector Loan (Retail) — BR + 2.50% to 4.00% 10.95%
- Deprived Sector Loan (Wholesale) — BR + 2.00% to 3.50% 10.45%
Subsidised Loan
8.95%- Subsidised Loan (per NRB directive) — BR + 2.00% to 2.00% 8.95%
Real Estate Loan
10.95%- Real Estate Loan — BR + 2.50% to 4.00% 10.95%
Other Loans
10.45–10.95%- Loan against Fixed Deposit — Coupon + 2% (or BR, whichever higher) —
- Loan against Govt / NRB Securities — Coupon + 2% —
- Loan against Life Insurance Policy — BR + 2.75% to 4.00% 10.95%
- Consortium Loan — per consortium decision —
- Fixed-rate Retail Loan (up to 10 yr, indicative) 10.45%