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A mortgage loan designed to help Nepalese salaried and self-employed individuals meet personal financial obligations, with repayment in equal monthly installments for up to 15 years. The bank finances up to 50% of the collateral&#39;s market value, subject to eligibility criteria including income stability, age limits, and acceptable mortgaged property.

<table border="1" cellpadding="1" cellspacing="1" style="width: 500px;">
	<tbody>
		<tr>
			<td>Purpose :</td>
			<td>To meet personal financial obligation already incurred and/or to be incurred in future.</td>
		</tr>
		<tr>
			<td>Nature :</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Tenure :</td>
			<td>Repayment period maximum 15 years.</td>
		</tr>
		<tr>
			<td>Loan Portion :</td>
			<td>The Bank&rsquo;s finance shall not exceed 50% of Fair Market Value of collateral security (both inside and outside Kathmandu valley) as calculated by the Bank&rsquo;s approved valuator.</td>
		</tr>
	</tbody>
</table>

&nbsp;
</section>

यो मोर्गेज ऋण नेपाली तलबभोगी तथा स्व&ndash;रोजगार व्यक्तिहरूका व्यक्तिगत आर्थिक आवश्यकता पूरा गर्न प्रदान गरिने ऋण सुविधा हो, जसको भुक्तानी अधिकतम १५ वर्षसम्म समान मासिक किस्तामा गर्न सकिन्छ। बैंकले धितो सम्पत्तिको निष्पक्ष बजार मूल्यको अधिकतम ५०% सम्म ऋण प्रदान गर्नेछ, जसका लागि आयको नियमित स्रोत, उमेर सीमा तथा स्वीकार्य धितो सम्बन्धी मापदण्ड&nbsp;हरू पूरा गर्नुपर्नेछ।

<table border="1" cellpadding="1" cellspacing="1" style="width: 500px;">
	<tbody>
		<tr>
			<td>उद्देश्य</td>
			<td>व्यक्तिगत आर्थिक दायित्वहरू, जुन पहिले नै सिर्जना भएका वा भविष्यमा सिर्जना हुन सक्ने छन्, पूरा गर्न।</td>
		</tr>
		<tr>
			<td>प्रकृति</td>
			<td>समान मासिक किस्तामा भुक्तानी गरिने म्यादी ऋण।</td>
		</tr>
		<tr>
			<td>अवधि</td>
			<td>ऋण भुक्तानी अवधि अधिकतम १५ वर्षसम्म।</td>
		</tr>
		<tr>
			<td>ऋण सीमा</td>
			<td>बैंकबाट प्रदान गरिने कर्जा रकम बैंकद्वारा स्वीकृत मूल्याङ्कनकर्ताले निर्धारण गरेको धितो सम्पत्तिको निष्पक्ष बजार मूल्य (काठमाडौं उपत्यका भित्र तथा बाहिर) को अधिकतम ५०% सम्म मात्र हुनेछ।</td>
		</tr>
	</tbody>
</table>

&nbsp;

Here's what we offer

Citizens Mortgage Loan

सिटिजन्स धितो कर्जा

The GnZSA is tailored for Nepali youths comes with a variety of features that make banking both convenient and rewarding.&nbsp;This product&nbsp;offers a host of innovative features and benefits tailored to meet the needs of young adults, promoting financial independence and digital engagement.

GnZSA नेपाली युवाहरूका लागि तयार पारिएको बैंकिङलाई सुविधाजनक र इनामदायी दुवै किसिमका सुविधाहरू प्रदान गर्दछ। यो उत्पादनले युवा वयस्कहरूको आवश्यकताहरू पूरा गर्न, वित्तीय स्वतन्त्रता र डिजिटल संलग्नता प्रवर्द्धन गर्नका लागि तयार पारिएका धेरै नवीन सुविधाहरू र फाइदाहरू प्रदान गर्दछ।

What you need to apply

GenZ

Citizens Gen Z Savings Account (GnZSA)

This product is designed especially for the Young Generation and tech savvy population. However, this product is also available for all citizens. This product is our step toward digitization, and it shall be a completely ecofriendly product.

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यो उत्पादन विशेष गरी युवा पुस्ता र प्रविधीमा चल्ने&nbsp;नागरिकहरूको लागि डिजाइन गरिएको हो। तथापि, यो उत्पादन सबै नागरिकहरूको लागि पनि उपलब्ध छ। यो उत्पादन हाम्रो डिजिटाइजेशन तर्फको एक कदम हो, र यो एक पूर्णत: पर्यावरण मैत्री उत्पादन हुनेछ।
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Citizens Smart Bachat Khata

सिटीजन स्मार्ट बचत खाता

Note: This is for POSTAAM Users only.

&nbsp; &nbsp;Note: This is for POSTAAM Users only.

POSTAAM Accounts

Citizens Digital Fixed Deposit (CDFD) a fixed deposit product which can be opened live through our Mobile Banking Platform and provides additional interest rate as compared to regular fixed deposit opened.&nbsp;&nbsp;

&nbsp;

Citizens Digital Fixed Deposit (CDFD) a fixed deposit product which can be opened live through our Mobile Banking Platform and provides additional interest rate as compared to regular fixed deposit opened.&nbsp;&nbsp;

Citizens Digital FD

सिटिजन्स डिजिटल एफ दि

Citizens Hamro Karnali Muddhati Khata Yojana is a special Savings Deposit account designed for customers of Karnali Province.

सिटिजन्स हाम्रो कर्णाली बचत&nbsp;खाता योजना कर्णाली प्रदेशका ग्राहकहरूका लागि डिजाइन गरिएको विशेष बचत खाता हो।

Citizens Hamro Karnali Bachat Khata

सिटिजन्स हाम्रो कर्णाली बचत खाता

Citizens Virtual Credit Card&rsquo; is a payment card issued to our existing customers to enable the card holder to pay a merchant for goods and services. Citizens Virtual Credit Card offers an interest free loan if the monthly credit card bill is paid on time. It can be used for shopping by scanning the QR code.

Link:&nbsp;<a href="https://fonepay.com/citizens-fonepay-credit-card/" target="_blank">https://fonepay.com/citizens-fonepay-credit-card/</a>

<h1>Eligibility:</h1>

<ul>
	<li>Nepalese citizen with 18 years of age</li>
	<li>Individuals with stable and regular source of income from business, service or property.</li>
</ul>

Documentation required availing Citizens Virtual&nbsp;Credit Card Facility:

For New Clients

Salaried personnel

<ul>
	<li>Cititizens Virtual Credit Card Application form duly filled and signed.</li>
	<li>Passport Size Photographs (2 Copies).</li>
	<li>Copy of Citizenship Certificate/Passport.</li>
	<li>Salary Certificate/ letter from employer disclosing the designation and present salary.</li>
	<li>Copy of Bank Account Statement for last six to twelve months.</li>
</ul>

Business Income Earners

<ul>
	<li>Credit Card Application form duly filled and signed.</li>
	<li>Passport Size Photographs (2 Copies).</li>
	<li>Copy of Citizenship Certificate/Passport.</li>
	<li>Financial Statement of last two years.</li>
	<li>Photocopy of Registration, PAN/VAT Certificate and/or license from concern authority</li>
	<li>Copy of Bank Account Statement for last six to twelve months.</li>
	<li>Memorandum and Articles of Association, Board Resolution to Borrow, paper disclosing percentage of ownership/shareholding, Partnership Deed.</li>
</ul>

&nbsp;

For Existing Clients

Loan Clients

<ul>
	<li>Maximum 2.5% of approved funded limit or 250,000 whichever is lower.</li>
</ul>

Fixed Depositors Clients

<ul>
	<li>Credit Card limit shall be provided 50% of FD amount or NPR 200,000 whichever is lower.</li>
</ul>

Payroll Clients

<ul>
	<li>Maximum 1.5 times of net credited salary.</li>
	<li>At least 3 months&rsquo; salary must have been deposited in the account.</li>
</ul>

Privilege Clients

<ul>
	<li>Maximum 1 lakhs or 10% of the average available balance.</li>
</ul>

&nbsp;

<table>
	<tbody>
	</tbody>
	<thead>
		<tr>
			<th>S.N</th>
			<th>Virtual Credit Card (Rupee) Charges</th>
			<th>In NPR</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>1</td>
			<td>Card Issuance Fee</td>
			<td>500</td>
		</tr>
		<tr>
			<td>2</td>
			<td>Annual/Renewal Fee</td>
			<td>500</td>
		</tr>
		<tr>
			<td>3</td>
			<td>Late payment Fee</td>
			<td>300 or 1% of monthly due whichever is higher</td>
		</tr>
		<tr>
			<td>4</td>
			<td>Interest rate</td>
			<td>2%/month</td>
		</tr>
	</tbody>
</table>

Citizens Virtual Credit Card’ is a payment card issued to our existing customers to enable the card holder to pay a merchant for goods and services. Citizens Virtual Credit Card offers an interest free loan if the monthly credit card bill is paid on time. It can be used for shopping by scanning the 

Virtual Credit Card

The Citizens Freelancer Saving Account (CFSA) is a savings deposit product tailored for freelancers who receive income in NPR or USD. This product is designed to provide maximum flexibility and benefits for freelancers, enabling them to manage their earnings in multiple currencies and access a range of financial services.

सिटीजन फ्रिलान्सर बचत खाता (CFSA) एक बचत निक्षेप उत्पाद हो जुन नेपाली रुपैयाँ (NPR) वा अमेरिकी डलर (USD) मा आय प्राप्त गर्ने फ्रिलान्सरहरूका लागि विशेष रूपमा डिजाइन गरिएको हो। यो उत्पादले फ्रिलान्सरहरूलाई बहु मुद्रामा आफ्नो आम्दानी व्यवस्थित गर्न र विविध वित्तीय सेवाहरूमा पहुँच प्रदान गर्न अधिकतम लचिलोपन र सुविधा उपलब्ध गराउँछ।

Citizens Freelancer Saving Account

Sole Proprietorship

Sole Proprietorship

एकल स्वामित्व

Partnership

Company Account

Company Account

Cooperatives

Accounts of Public / Private Guthi

Accounts of Public / Private Guthi

Account of Local Consumer Committee (Upabhokta Samiti)

Account of Local Consumer Committee (Upabhokta Samiti)

Accounts of Foreign Companies

Accounts of Foreign Companies

Account of Club/ Non-Governmental Organization

Account of Club/ Non-Governmental Organization

Accounts of School/ Campus

Accounts of School/ Campus

This account is aimed at providing employees with a comprehensive package that includes critical illness insurance, medical coverage, and accidental insurance, while also offering an array of banking services that ensure financial convenience for both employees and their Spouse; (<a href="https://www.ctznbank.com/product/deposit/citizens-premium-family-account-under-citizens-premium-talab-bachat-khata">Citizens Premium Family Account</a>).

यो खाता कर्मचारीहरूलाई गम्भीर रोग बीमा, चिकित्सा कभरेज, र दुर्घटना बीमा सहितको व्यापक प्याकेज प्रदान गर्ने उद्देश्यले ल्याइएको हो, साथै कर्मचारी र उनीहरूको जीवनसाथी दुवैको लागि वित्तीय सुविधा सुनिश्चित गर्ने बैंकिङ सेवाहरूको श्रृंखला पनि प्रदान गर्दछ; &nbsp;(<a href="https://www.ctznbank.com/product/deposit/citizens-premium-family-account-under-citizens-premium-talab-bachat-khata">Citizens Premium Family Account</a>).।

Citizens Premium Talab Bachat Khata

सिटिजन्स प्रेमियम तलब बचत खाता

This account is optional and will depend upon the choice of the main account holder under Citizens Premium Talab Bachat Khata

यो खाता ऐच्छिक हो र नागरिक प्रिमियम तलब बचत खाता अन्तर्गत मुख्य खातावालाको छनोटमा निर्भर गर्नेछ।

Citizens Premium Family Account

Citizens Premium Family Account (under Citizens Premium Talab Bachat Khata)

सिटिजन्स प्रिमियम परिवार खाता (सिटिजन्स प्रेमियम तलब बचत खाताअन्तर्गत)

The Citizens QR Merchant Loan is a fully digital lending solution designed to meet the short-term financial needs of QR Merchants. Whether you are looking to enhance your business&#39;s working capital or expand your operations, this loan product is tailored to help you grow while making digital payments the preferred choice in the future.

सिटिजन्स क्यूआर मर्चेन्ट लोन क्यूआर मर्चेन्टहरूको छोटो अवधिको वित्तीय आवश्यकताहरू पूरा गर्न डिजाइन गरिएको पूर्ण रूपमा डिजिटल ऋण समाधान हो। तपाईं आफ्नो व्यवसायको कार्यशील पूँजी बढाउन खोज्दै हुनुहुन्छ वा आफ्नो सञ्चालन विस्तार गर्न खोज्दै हुनुहुन्छ भने, यो ऋण उत्पादन भविष्यमा डिजिटल भुक्तानीलाई मनपर्ने विकल्प बनाउँदै तपाईंलाई बढ्न मद्दत गर्न तयार पारिएको हो।

QR Merchant Loan

QR व्यापारी ऋण

The Bank offers &ldquo;Citizens Mahila Bachat Khata&rdquo; for Nepalese woman with age above 16 years. Citizens NPR Debit Card facility is available which is valid in Nepal as well as in India. The scheme allows 25% discount on Locker charge. This product is designed to support the women and their upliftment.

सिटिजन्स बैंकले १६ बर्षमाथिका नेपाली महिलाहरुका लागि सिटिजन्स महिला खाता लक्षित गरेको छ। यसमा नेपाल र भारतभर प्रयोग गर्न सकिने सिटिजन्स एनपिआर डेबिट कार्ड सुविधा उपलब्ध हुनुका साथै लकर सुविधामा २५% छुट उपलब्ध छ। यो वचत सुविधा विशेषतः महिलाहरुको आर्थिक प्रगतिमा साथ दिने उद्देश्यले सुरु गरिएको हो&nbsp;&nbsp;

Pay for my Kids Tuition Fees

Citizens Mahila Bachat

सिटिजन्स महिला वचत

&ldquo;Citizens Muna Bachat Khata&rdquo; is primarily for the minors (below the age of 16 years) facilitated by the guardians. The Bank provides zero balance service for the offer. Facility of Citizens NPR Debit Card is provided which is valid in Nepal as well as in India. This is designed to help to save for the child&rsquo;s future. With children&rsquo;s saving accounts, children learn to manage money &ndash; and parents, relatives and friends have a place to save for a child they care about.

सिटिजन्स मुना वचत खाता मुख्यतः अभिभावकको सहायतामा १६ बर्ष मुनिका बालबालिकाका लागि लक्षित छ। यो खाता शून्य मौज्दातमा खोल्न सकिन्छ र यसमा नेपाल र भारतभर प्रयोग गर्न मिल्ने सिटिजन्स एनपिआर भिजा कार्ड सुविधा पनि उपलब्ध छ। यसको मुख्य उद्देश्य बालबालिकाको भविष्यको लागि वचत गर्नु हो। बालबालिकामा सानैदेखि वचतको बानि विकास हुनुका साथै यसमा अभिभावक, नातेदार तथा साथीभाईले बालबालिकाका लागि वचत गर्न सक्छन्।&nbsp;

Pay For My kids Tuition Fee

Citizens Muna Bachat

सिटिजन्स मुना वचत (नावालकका लागि मात्र)

We offer a convenient and affordable savings account with essential digital banking services at no extra cost. Customers can also enjoy special discounts on select services, making it a great choice for modern banking needs.

हामीले सजिलो र किफायती बचत खाता प्रस्ताव गर्छौं, जसमा आवश्यक डिजिटल बैंकिङ सेवाहरू कुनै अतिरिक्त शुल्क बिना उपलब्ध छन्। ग्राहकहरूले केही सेवाहरूमा विशेष छुटको लाभ पनि लिन सक्नेछन्, जसले यो आधुनिक बैंकिङ आवश्यकताहरूका लागि उत्कृष्ट विकल्प बनाउँछ।

Citizens Bishesh Bachat Khata

सिटिजन्स विशेष वचत खाता

We have launched &lsquo;Citizens Saral Bachat khata&rsquo;, a new savings deposit product, in view of the recently launched Government campaign with slogan&nbsp;खोलौ बैंक खाता अभियान, २०७६ as per Nepal Rastra Bank circular number&nbsp;वै.वि.नि.वि.रनीतिरपरिपत्ररकखगर२२र०७५र७६ dated 2075/12/27 for opening bank accounts of all individual Nepali citizens. The main aim of the account is to establish banking habits of unbanked population.

हामीले सिटिजन्स सरल वचत खाता हालसालै नेपाल सरकारले घोषणा गरेको खोलौँ बैँक खाता अभियान, २०७६ को मर्मअनुसार सुरु गरेका छौँ। यो अभियान नेपाल राष्ट्र बैंकले वि.सं. २०७५/१२/२७ मा जारी गरेको सर्कुलर नम्बर वै.वि.नि.वि.रनीतिरपरिपत्ररकखगर२२र०७५र७६ अनुरुप छ जसको उद्देश्य प्रत्येक व्यक्तिको बैंक खाता खोली उनीहरुलाई वित्तीय क्रियाकलापमा सक्रिय गराउनु रहेको छ।&nbsp;

Citizens Saral Bachat Khata

सिटिजन्स सरल वचत खाता

Citizens Senior Citizens Savings

सिटीजन वरिष्ठ नागरिक बचत

This account offers limited transactional features without ATM or cheque book access. It provides interest earnings and allows loan facilities against deposits based on employee policies and enterprise requests, with formal documentation to be completed accordingly.

यो खाताले ATM वा चेक बुकको पहुँच बिना सीमित लेनदेन सुविधा प्रदान गर्छ। यसले ब्याज आम्दानी दिन्छ र कर्मचारी नियमावली र उद्यमको अनुरोध अनुसार निक्षेप रकमको विरुद्ध ऋण सुविधा उपलब्ध गराउँछ, जसका लागि आवश्यक औपचारिक कागजातहरू तयार गरिनेछ।

Citizens Enterprise Fund Account

सिटीजन उद्यम कोष खाता

Citizens G2P Savings Account is a savings account targeted to the beneficiaries of Social Security Allowance. This product is specially designed to distribute Social Security Allowance of Ministry of Federal Affairs and General Administration.

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सिटिजनस&nbsp;G2P बचत खाता सामाजिक सुरक्षा भत्ता प्राप्त गर्ने लाभार्थीहरूलाई लक्षित बचत खाता हो। यो उत्पाद संघीय मामिला तथा सामान्य प्रशासन मन्त्रालयको सामाजिक सुरक्षा भत्ता वितरणका लागि विशेष रूपमा डिजाइन गरिएको हो।
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Citizens G2P Savings Account

सिटिजनस G2P बचत खाता

&nbsp; Citizens Branchles Bachat

Citizens Branchless Bachat

सिटीजन शाखारहित बचत

Citizens Dasak Savings

Citizens Dasak Savings

सिटीजन दशक बचत

Benefits:

<ul>
	<li>Issuance of Citizens Visa Dollar Debit Card</li>
</ul>

Benefits:

<ul>
	<li>Issuance of Citizens Visa Dollar Debit Card</li>
</ul>

<a href="http://www.ctznbank.com/interest-rate">Click here to see more</a>

Citizens Saving Account (FCY)

Citizens Call Deposit (FCY)

<ul>
	<li>Currency: USD, GBP, EURO and AUD</li>
	<li>Interest Payment Frequency: Quarterly (as per Nepalese Calendar)</li>
	<li>Tenor- minimum 1 year</li>
	<li>Acceptance of the funds in Citizens FCY account with no charge. The fund must be received via Banking Channel.</li>
	<li>Full repatriation of Principal and Interest (after deduction of applicable tax)&nbsp; amount in same currency with no charge to same account at same country from where the fund is received.</li>
	<li>No minimum balance shall be maintained in the nominee savings account where we are also offering 4.00% p.a.</li>
	<li>Free statement/interest credit advice will be sent by email on request</li>
	<li>NRN ID is compulsory</li>
</ul>

<h4 class="display-two-line">Start building your saving plans for your
 new journey 
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Plans For Tomorrow

Citizens Overseas FCY Fixed Deposit (NRN)

Any individual or corporate bodies are entitled to open FCY Fixed Deposit account for higher returns at competitive interest rate.

&nbsp;

Any individual or corporate bodies are entitled to open FCY Fixed Deposit account for higher returns at competitive interest rate.

Citizens FCY Fixed Deposit

Organization having excess amount in their current account can instruct the bank to open a call account in its name. This account provides attractive interest on deposit on the basis of mutual agreement. The interest rate on call account is dependent upon money market rate and NRB&rsquo;s guidelines.

Citizens Call Deposit (NPR)

A fixed deposit account is an investment account and a type of savings account in which money is deposited for a stated period of time and a fixed interest rate is paid at the end of that period. The Bank offers multitudes of fixed deposit schemes for various durations. It offers simple reinvestment Fixed Deposits (at very competitive interest rates). One of the easier ways of making money work for you is by investing in a fixed deposit account. Opening a fixed deposit account is both quick and easy and all that needs to be done is to deposit money into the account for a given period of time, for it to earn interest.

Citizens Fixed Deposit,  INDIVIDUAL (NPR)

Citizens Fixed Deposit (NPR) INSTITUTIONAL

A fixed deposit account is an investment account and a type of savings account in which money is deposited for a stated period of time and a fixed interest rate is paid at the end of that period. The Bank offers multitudes of fixed deposit schemes for various durations. It offers simple reinvestment Fixed Deposits (at very competitive interest rates). One of the easier ways of making money work for you is by investing in a fixed deposit account. Opening a fixed deposit account is both quick and easy and all that needs to be done is to deposit money into the account for a given period of time, for it to earn interest.

Citizens Fixed Deposit (NPR) INSTITUTIONAL

A fixed deposit account is an investment account and a type of savings account in which money is deposited for a stated period of time and a fixed interest rate is paid at the end of that period. The Bank offers multitudes of fixed deposit schemes for various durations. It offers simple reinvestment Fixed Deposits (at very competitive interest rates). One of the easier ways of making money work for you is by investing in a fixed deposit account. Opening a fixed deposit account is both quick and easy and all that needs to be done is to deposit money into the account for a given period of time, for it to earn interest.

<a href="http://www.ctznbank.com/interest-rate">Click here to see more</a>

Citizens Fixed Deposit INSTITUTIONAL (NPR)

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>
			Financing to purchase of new/used Private and Commercial Vehicles to individuals and business concern.
			</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>
			-Upto 20.0 Million for new or used private vehicles. 
			- Up to NPR 7.0 Million for new commercial vehicles. 
			- Up to NPR 4.0 Million for used commercial vehicles.
			</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>
			<ol>
				<li>Maximum up to 10 years for private vehicles</li>
				<li>Maximum up to 5 years for commercial vehicles</li>
				<li>Maximum for Private new/used EV is 6 years</li>
			</ol>
			</td>
		</tr>
	</tbody>
</table>

व्यक्तिगत वा व्यवसायिक प्रयोजनका लागि नयाँ सवारीसाधन खरीद गर्न वा भएको सवारीमा पुर्नलगानी गर्न इच्छुक सेवाग्राहीलाई यो कर्जा सुविधा लक्षित गरिएको छ ।

<table height="207" width="580">
	<tbody>
		<tr>
			<td>प्रयोजनः</td>
			<td>
			व्यक्तिगत वा व्यवसायिक प्रयोजनका लागि नयाँ सवारीसाधन खरीद वा प्रयोगमा भएको सवारीमा पुर्नलगानी गर्न
			</td>
		</tr>
		<tr>
			<td>कर्जा चुक्ता विधिः</td>
			<td>
			समान मासिक किस्ताबन्दी
			</td>
		</tr>
		<tr>
			<td>कर्जा सीमाः</td>
			<td>
			अधिकतम नेरु १ करोड सम्म
			</td>
		</tr>
		<tr>
			<td>अवधिः</td>
			<td>
			<ol>
				<li>व्यक्तिगत सवारीको हकमा अधिकतम १० बर्ष</li>
				<li>व्यापारिक सवारी साधनका लागि अधिकतम ५ वर्षसम्म</li>
				<li>निजी नयाँ/प्रयोग गरिएको विद्युतीय सवारी साधनको लागि अधिकतम अवधि ६ वर्ष हो</li>
			</ol>
			</td>
		</tr>
	</tbody>
</table>

Citizens Auto Loan

सिटिजन्स सवारी कर्जा

Citizens Visa Debit Card is issued by bank to its customers to use in any Automated Teller Machines (ATMs) and Point of Sales (POS) machines that are linked to Visa Network and NEPS Network. These cards can be used 24 hours a day and 365 days a year within Nepal and India.

<div>Benefits:</div>

<ul>
	<li>Most convenient way of making payments for goods and services.</li>
	<li>No need to carry cash and can be used at any time round the clock.</li>
</ul>

Safety Tips:

<ul>
	<li>Do not keep your Card &amp; PIN together at any circumstances. Try to memorize the PIN instead of writing it somewhere and destroy the PIN Mailer after first transaction.</li>
	<li>Do not write your PIN in your card. There is high risk of misusing your card.</li>
	<li>Do not give your Debit Card to anyone or disclose the PIN Mailer.</li>
	<li>Do not transact in presence of other person. Be vigilant when using an ATM Card to avoid intentional distraction by fraudsters.</li>
	<li>Check your account statement on regular basis and inform the bank immediately in case of any discrepancy.</li>
	<li>Confirm you have your Debit Card back in your possession before you leave the ATM booth or POS Terminal where you used your Card.</li>
</ul>

Transaction Limits and Charges:

<table border="0" cellpadding="0" cellspacing="0">
	<tbody>
		<tr>
			<td style="height:23px;">
			Card Transactions Limit within Nepal
			</td>
			<td style="height:23px;">
			Per Txn Limit
			</td>
			<td style="height:23px;">
			Daily Txn Limit
			</td>
			<td style="height:23px;">
			Monthly Txn Limit
			</td>
			<td style="height:23px;">
			Transaction Count
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			ATM Transaction within Nepal
			</td>
			<td style="height:23px;">
			NPR 20,000
			</td>
			<td style="height:23px;">
			NPR 50,000
			</td>
			<td style="height:23px;">
			NPR 3,00,000
			</td>
			<td nowrap="nowrap" rowspan="3" style="height:23px;">
			10 Txns per day
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			POS Transaction within Nepal
			</td>
			<td style="height:23px;">
			NPR 2,00,000
			</td>
			<td style="height:23px;">
			NPR 3,00,000
			</td>
			<td style="height:23px;">
			NPR 10,00,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Online Transaction within Nepal
			</td>
			<td style="height:23px;">
			NPR 2,00,000
			</td>
			<td style="height:23px;">
			NPR 3,00,000
			</td>
			<td style="height:23px;">
			NPR 10,00,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Card Transactions Limit within India
			</td>
			<td style="height:23px;">
			Per Txn Limit
			</td>
			<td style="height:23px;">
			Daily Txn Limit
			</td>
			<td style="height:23px;">
			Monthly Txn Limit
			</td>
			<td style="height:23px;">
			Transaction Count
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			ATM Transaction within India (Including Access Fee if any by Acquiring Bank)
			</td>
			<td style="height:23px;">
			NPR 24,000
			</td>
			<td style="height:23px;">
			NPR 24,000
			</td>
			<td style="height:23px;">
			NPR 1,60,000
			</td>
			<td rowspan="3" style="height:23px;">
			10 Txns per day
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			POS + Online Transaction within India
			</td>
			<td style="height:23px;">
			NPR 1,60,000
			</td>
			<td style="height:23px;">
			NPR 1,60,000
			</td>
			<td style="height:23px;">
			NPR 1,60,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			POS Transaction within India (only for Hotel, Hospital &amp; Pharmacy)
			</td>
			<td style="height:23px;">
			NPR 8,00,000
			</td>
			<td style="height:23px;">
			NPR 16,00,000
			</td>
			<td style="height:23px;">
			NPR 32,00,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Card Transactions Limit in Foreign (for Dollar Cards)
			</td>
			<td style="height:23px;">
			Per Txn Limit
			</td>
			<td style="height:23px;">
			Daily Txn Limit
			</td>
			<td style="height:23px;">
			Monthly Txn Limit
			</td>
			<td style="height:23px;">
			Transaction Count
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			ATM Transaction in Foreign
			</td>
			<td style="height:23px;">
			USD 1,000
			</td>
			<td style="height:23px;">
			USD 1,000
			</td>
			<td style="height:23px;">
			USD 5,000
			</td>
			<td rowspan="3" style="height:23px;">
			10 Txns per day
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			POS Transaction in Foreign
			</td>
			<td style="height:23px;">
			USD 2,000
			</td>
			<td style="height:23px;">
			USD 2,000
			</td>
			<td style="height:23px;">
			USD 5,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Online Transaction in Foreign
			</td>
			<td style="height:23px;">
			USD 1,000
			</td>
			<td style="height:23px;">
			USD 2,000
			</td>
			<td style="height:23px;">
			USD 2,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Card Transactions Limit for USD E-com Card
			</td>
			<td style="height:23px;">
			Per Txn Limit
			</td>
			<td style="height:23px;">
			Daily Txn Limit
			</td>
			<td style="height:23px;">
			Yearly Txn Limit
			</td>
			<td style="height:23px;">
			Transaction Count
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Online Transaction from USD E-com Card
			</td>
			<td style="height:23px;">
			USD 500
			</td>
			<td style="height:23px;">
			USD 500
			</td>
			<td style="height:23px;">
			USD 500
			</td>
			<td nowrap="nowrap" style="height:23px;">
			10 Txns per day
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Other Card Limits
			</td>
			<td colspan="4" style="height:23px;">
			Limit
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Contactless Payment Transaction Limit (Tap &amp; Pay)
			</td>
			<td colspan="4" nowrap="nowrap" style="height:23px;">
			Per Transaction Maximum NPR 5,000 equivalent- 5 Txns per day
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Dollar Card- Yearly Transaction Limit (Online)
			</td>
			<td colspan="4" nowrap="nowrap" style="height:23px;">
			USD 2,000 Yearly
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Dollar Card- Yearly Transaction Limit (ATM+POS+Online)
			</td>
			<td colspan="4" nowrap="nowrap" style="height:23px;">
			USD 25,000 Yearly
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Credit Card Cash withdrawal Limit
			</td>
			<td colspan="4" nowrap="nowrap" style="height:23px;">
			10% of Credit Limit
			</td>
		</tr>
	</tbody>
</table>

&nbsp;

Citizens Visa Card Transaction Fees:

<table>
	<tbody>
	</tbody>
	<thead>
		<tr>
			<th>Visa NPR Debit Card Transaction Fees</th>
			<th>Per Txn Fee</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>In CTZN ATMs</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Withdrawal</td>
			<td>0</td>
		</tr>
		<tr>
			<td>Balance Enquiry</td>
			<td>0</td>
		</tr>
		<tr>
			<td>Mini Statement</td>
			<td>0</td>
		</tr>
		<tr>
			<td>PIN Change</td>
			<td>0</td>
		</tr>
		<tr>
			<td>In Member ATMs</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Withdrawal</td>
			<td>Rs. 15</td>
		</tr>
		<tr>
			<td>Balance Enquiry</td>
			<td>Rs. 5</td>
		</tr>
		<tr>
			<td>Mini Statement</td>
			<td>Rs. 5</td>
		</tr>
		<tr>
			<td>In Non-Member ATMs (Nepal)</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Withdrawal</td>
			<td>Rs. 15</td>
		</tr>
		<tr>
			<td>Balance Enquiry</td>
			<td>Rs. 15</td>
		</tr>
		<tr>
			<td>In India ATMs</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Withdrawal</td>
			<td>Rs. 250</td>
		</tr>
		<tr>
			<td>Balance Enquiry</td>
			<td>Rs. 50</td>
		</tr>
		<tr>
			<td>POS Cash Advance</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Advance at other Bank&#39;s POS</td>
			<td>Rs. 200+2% of Txn</td>
		</tr>
	</tbody>
</table>

Visa Debit Card (NPR)

Historically and traditionally, Nepalese have preferred to buy land and build houses themselves. Now, with the changing lifestyle, demand for ready built houses is also in the rise. Considering these points, the Bank offers loan for different needs and situations. The Bank provides financing for the purchase of land and/or building, apartment, renovation, construction and extension of residential properties.

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To finance a purchase of a plot of land and/or readymade building or a Bungalow/Apartment built by developers/builders, Construction, Repairs, Renovation, Additions, Alteration to the house/flat for personal occupancy or rent.</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Up to 50.00 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Repayment period maximum 25 years.</td>
		</tr>
		<tr>
			<td>Loan Portion:</td>
			<td>
			For purchase of a plot of Land: The Bank&rsquo;s finance shall not exceed 50% (for property located inside valley and outside Kathmandu Valley) of the fair market value of the collateral security or the purchase price whichever is lower.&nbsp;

			For Purchase of land and building: The Bank&rsquo;s finance shall not exceed 70% to 80% of the fair market value of the collateral security or the purchase price whichever is lower.

			For construction of a building on already owned land and purchase of a Bungalow/Apartment/ constructed by builders/developers: The loan amount should not exceed 70% to 80% of the fair market value of the property and up to 100% estimated construction cost.&nbsp;
			</td>
		</tr>
	</tbody>
</table>

बैंकले आवासका निम्ति जग्गा खरीद/घरनिर्माण, अपार्टमेन्ट खरीद, मर्मतसम्भार तथा विस्तार तथा रिफाईनान्स समेतको लागी विभिन्न प्रकृतिका घर कर्जा उपलब्ध गराउँदै आएको छ।

<table>
	<tbody>
		<tr>
			<td>प्रयोजनः</td>
			<td>विकासकर्ता/निर्माणकर्ताहरूद्वारा निर्मित जग्गा र/वा तयार भवन वा बंगला/अपार्टमेन्टको खरिदको लागि वित्तपोषण गर्न, व्यक्तिगत बसोबास वा भाडाको लागि घर/फ्ल्याटमा निर्माण, मर्मत, नवीकरण, थप, परिवर्तन।</td>
		</tr>
		<tr>
			<td>किसिमः&nbsp;</td>
			<td>समान मासिक किस्ताबन्दी</td>
		</tr>
		<tr>
			<td>कर्जा सीमाः</td>
			<td>५ करोड रुपैयाँसम्म 
			पहिलो पटक घर किन्नेलाई ३ करोड रुपैयाँसम्म 
			नवीकरण/विस्तारको लागि ५ करोड रुपैयाँसम्म</td>
		</tr>
		<tr>
			<td>अवधि:</td>
			<td>अधिकतम २५ बर्षसम्म</td>
		</tr>
		<tr>
			<td>कर्जा हिस्साः</td>
			<td>
			जग्गा खरिदको लागि: बैंकको वित्तपोषण धितोको उचित बजार मूल्य वा खरिद मूल्य मध्ये जुन कम छ त्यसको ५०% (उपत्यका भित्र र काठमाडौँ उपत्यका बाहिर अवस्थित सम्पत्तिको लागि) भन्दा बढी हुनु हुँदैन।

			जग्गा तथा भवन खरिदको लागि: बैंकको वित्त धितोको उचित बजार मूल्य वा खरिद मूल्य जुन कम छ त्यसको ७०% देखि ८०% भन्दा बढी हुनु हुँदैन।

			<pre aria-label="अनुवादित टेक्स्ट: आफ्नै स्वामित्वको जग्गामा भवन निर्माण गर्न तथा बिल्डर वा डेभलपरद्वारा निर्मित बंगला वा अपार्टमेन्ट खरिद गर्नका लागि: कर्जा रकम सम्पत्तिको उचित बजार मूल्यको ७०% देखि ८०% र अनुमानित निर्माण लागतको १००% सम्म हुनुपर्छ।" data-placeholder="अनुवाद" data-ved="2ahUKEwjEyJnH37WVAxWyT2cHHUVFJP0Q3ewLegQIFhAV" dir="ltr" id="tw-target-text" role="text" tabindex="-1">
आफ्नै स्वामित्वको जग्गामा भवन निर्माण गर्न तथा बिल्डर वा डेभलपरद्वारा निर्मित बंगला वा अपार्टमेन्ट खरिद गर्नका लागि: कर्जा रकम सम्पत्तिको उचित बजार मूल्यको ७०% देखि ८०% र अनुमानित निर्माण लागतको १००% सम्म हुनुपर्छ।</pre>
			</td>
		</tr>
	</tbody>
</table>

Living Our Dreams

Citizens Home Loan

सिटिजन्स घर कर्जा

Education is the most important investment one makes in life. Therefore, the Bank has brought the Education Loan, which aims to finance meritorious students who choose to pursue a higher education (Professional or technical) in Nepal and abroad. The loan is extended to students/ professionals desiring to pursue higher studies such as Graduation, Post-Graduation, Specialization and Vocational/Technical courses in the country or abroad. Citizens Education loan covers a maximum of 100% of expenses in connection with the studies of the borrower in the country or abroad.

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To finance the education cost of the students desiring to pursue higher education in Nepal or Abroad</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Maximum Up to 10.00 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Repayment period maximum 15 years including moratorium period.</td>
		</tr>
		<tr>
			<td>Loan Portion:</td>
			<td>Up to 100% of total expenses to be incurred during the course period not exceeding 80% of the Distress Value of the mortgaged collateral security or 100% of rajinama value till claim period of 1 year and 35 days whichever is lower or 2 years and 35 days in case of transfer of ownership by Bakas Patra or 2 months 35 days in case of Anshabanda.</td>
		</tr>
	</tbody>
</table>

बैंकले नेपाल वा अन्य देशमा व्यवसायिक वा प्राविधिक शिक्षा हासिल गर्न इच्छुक विद्यार्थीहरुलाई लक्षित गरी शैक्षिक कर्जा सुविधा ल्याएको छ। यो कर्जा स्नातक, स्नातकोत्तर,विशिष्ठ तह वा शीपमूलक&divide;प्राविधिक तहमा स्वदेश वा विदेशमा अध्ययन गर्ने तयारीमा रहेका विद्यार्थीलाई उपलब्ध गराइन्छ। सिटिजन्स शैक्षिक कर्जा आवेदकको १००% सम्म अध्ययन खर्च सम्म उपलब्ध छ ।

<table>
	<tbody>
		<tr>
			<td>प्रयोजनः</td>
			<td>नेपाल वा अन्य देशमा उच्च शिक्षा हासिल गर्न इच्छुक विद्यार्थीहरुको 
			अध्ययन खर्च व्यहोर्न</td>
		</tr>
		<tr>
			<td>किसिमः</td>
			<td>समान मासिक किस्ताबन्दी&nbsp; मा चुक्ता हुनेगरी</td>
		</tr>
		<tr>
			<td>कर्जा सीमाः</td>
			<td>अधिकतम नेरु १ करोडसम्म</td>
		</tr>
		<tr>
			<td>ऋवधि:</td>
			<td>कर छुट अवधि समेत अधिकतम १५ बर्ष&nbsp;</td>
		</tr>
		<tr>
			<td>कर्जा हिस्साः</td>
			<td>&nbsp;
			<pre aria-label="अनुवादित टेक्स्ट: कार्यक्रमको अवधिमा लाग्ने कुल खर्चको १००% सम्म; तर यो रकम धितो राखिएको सम्पत्तिको 'डिस्ट्रेस भ्यालु' (Distress Value) को ८०% वा १ वर्ष ३५ दिनको दाबी अवधिभित्र 'राजिनामा' (बिक्री) मूल्यको १००% (जुन कम हुन्छ सोही बमोजिम) भन्दा बढी नहुने गरी; वा 'बकसपत्र' मार्फत स्वामित्व हस्तान्तरणको हकमा २ वर्ष ३५ दिन वा 'अंशबन्डा' को हकमा २ महिना ३५ दिनको सीमाभित्र रहने गरी।" data-placeholder="अनुवाद" data-ved="2ahUKEwjEyJnH37WVAxWyT2cHHUVFJP0Q3ewLegQIFhAV" dir="ltr" id="tw-target-text" role="text" tabindex="-1">
कार्यक्रमको अवधिमा लाग्ने कुल खर्चको १००% सम्म; तर यो रकम धितो राखिएको सम्पत्तिको &#39;डिस्ट्रेस भ्यालु&#39; (Distress Value) को ८०% वा १ वर्ष ३५ दिनको दाबी अवधिभित्र &#39;राजिनामा&#39; (बिक्री) मूल्यको १००% (जुन कम हुन्छ सोही बमोजिम) भन्दा बढी नहुने गरी; वा &#39;बकसपत्र&#39; मार्फत स्वामित्व हस्तान्तरणको हकमा २ वर्ष ३५ दिन वा &#39;अंशबन्डा&#39; को हकमा २ महिना ३५ दिनको सीमाभित्र रहने गरी।</pre>
			</td>
		</tr>
	</tbody>
</table>

Citizens Education Loan

सिटिजन्स शैक्षिक कर्जा

This loan is provided to finance working capital and/or capital expenditure requirement as well as non-funded facilities such as letters of credit and guarantees for small businesses including retailers, wholesalers, cottage and small scale manufacturing and processing units, exporters, importers, contractors, educational institutions, self-employed professionals, medical /health facilities, etc.

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To finance working capital and/or capital expenditure requirement as well as non funded facilities such as letters of credit and guarantees for small businesses including retailers, wholesalers, cottage and small scale manufacturing and processing units, exporters, importers, contractors, educational institutions etc.</td>
		</tr>
	</tbody>
</table>

Citizens SME Loan

The Bank has been financing for purchase/import of various equipments under Equipment Loan. Equipment loan is offered to those customers who have to finance import or local purchase of construction related equipments such as Excavators, Backhoe Loaders, Dozers etc. Some of the equipment loans are advanced also to finance purchase of medical equipment to the professionals.

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To finance import/purchase of equipments</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment or Equated Quarterly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Up to NPR 10.0 Million or 70% value of equipment whichever is lower&nbsp;</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Repayment period maximum 5 years.</td>
		</tr>
		<tr>
			<td>Loan Portion:</td>
			<td>Up to 70% of cost of Equipment.</td>
		</tr>
		<tr>
			<td>Rate of Interest:</td>
			<td>Base rate of preceding three months (Average Base Rate) plus premium rate or fixed rate of interest as offered by the bank</td>
		</tr>
	</tbody>
</table>

सिटिजन्स बैंकले विभिन्न प्रकारका उपकरण खरीद&divide;आयात गर्न यो कर्जा उपलब्ध गराउँदै आएको छ। यो कर्जा सुविधा घर वा अन्य पूर्वाधार निर्माणमा प्रयोग हुने उपकरण जस्तै एक्सकाभेटर, ब्याकहो लोडर, डोजर आदिका साथै मेडिकल उपकरणमा लगानी गर्नका निम्ति उपयुक्त छ।

<table>
	<tbody>
		<tr>
			<td>प्रयोजनः</td>
			<td>उपकरण खरीद/आयात गर्न</td>
		</tr>
		<tr>
			<td>किसिमः</td>
			<td>समान मासिक किस्ता वा समान त्रैमासिक किस्तामा भुक्तानी हुने ऋण समाप्त गर्ने</td>
		</tr>
		<tr>
			<td>कर्जा सीमाः</td>
			<td>अधिकतम नेरु १ करोड सम्म</td>
		</tr>
		<tr>
			<td>अवधि</td>
			<td>अधिकतम ५ बर्ष&nbsp;</td>
		</tr>
		<tr>
			<td>कर्जा हिस्साः</td>
			<td>उपकरणको ७०% सम्मको लागत&nbsp;</td>
		</tr>
		<tr>
			<td>​ब्याजदरः</td>
			<td>अघिल्लो तीन महिनाको आधार दर ९औसत आधार दर० प्लस प्रिमियम दर वा बैंकले प्रस्ताव गरेको निश्चित ब्याज दर</td>
		</tr>
	</tbody>
</table>

<div>&nbsp;</div>

<div>&nbsp;</div>

Citizens Equipment Loan

सिटिजन्स उपकरण कर्जा

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>Personal loan facility to meet personal financial obligation</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Term Loan / Overdraft Facility</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Up to 5.00 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>In case of Term Loan &ndash; Repayment period maximum 15 years payable in Equated Monthly Installment. 
			In case of Overdraft &ndash; 1-year revolving facility.</td>
		</tr>
		<tr>
			<td>Loan Portion:</td>
			<td>Up to 50% of Fair Market Value of the collateral security</td>
		</tr>
	</tbody>
</table>

<table>
	<tbody>
		<tr>
			<td>उद्देश्य:</td>
			<td>व्यक्तिगत वित्तीय दायित्व पूरा गर्न व्यक्तिगत ऋण सुविधा</td>
		</tr>
		<tr>
			<td>प्रकृति:</td>
			<td>टर्म लोन / ओभरड्राफ्ट सुविधा</td>
		</tr>
		<tr>
			<td>ऋण आकार:</td>
			<td>५० लाखसम्म</td>
		</tr>
		<tr>
			<td>कार्यकाल:</td>
			<td>अवधि ऋणको मामलामा - भुक्तानी अवधि अधिकतम १५ वर्ष बराबर मासिक किस्तामा भुक्तान योग्य। 
			ओभरड्राफ्टको हकमा - १ वर्ष घुम्ने सुविधा।</td>
		</tr>
		<tr>
			<td>ऋण अंश:</td>
			<td>संपार्श्विक सुरक्षाको उचित बजार मूल्यको ५०% सम्म</td>
		</tr>
	</tbody>
</table>

Citizens Mortgage Loan(Term Loan)

This product aims to bring those deprived from formal banking sector due to traditional banking approaches within the reach of our bank. In the absence of reach to the formal banking channel, those involved in agriculture have to pay higher cost to meet their financial requirements; this product provides an opportunity to be directly involved in the benefit of the farmers for their economic upliftment. At the same time, the proposed modus operandi also helps reduce the dependency of farmers with the middlemen, thereby making it more profitable to the farmers/those involved directly in agriculture. &ldquo;Citizens One District One Product&rdquo; have different products, which are designed in such a way, that the product promotes use of local resources, local skill and local people&rsquo;s involvement to carry out the business.

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet financial requirement of the people involved in agriculture and/or agricultural business.</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Term Loan / Overdraft Loan</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>up to NPR 5.0 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Repayment period maximum of 10 years payable in Equated Monthly Installment.</td>
		</tr>
		<tr>
			<td>Overdraft:</td>
			<td>1 year revolving facility.</td>
		</tr>
		<tr>
			<td>Loan Portion:</td>
			<td>
			Up to 70% of the Derived Value of the collateral security.
			</td>
		</tr>
	</tbody>
</table>

&nbsp;

*Freehold agriculture land is also acceptable. #Derived Value will be the minimum of: 5 times the government value for properties located at VDC / 3 times the government value for properties located in municipalities and/or 60% of the Market Value ascertained by the Bank and/or Fair Market Value provided by an authorized valuator of the bank.

यस उत्पादनको उद्देश्य परम्परागत बैंकिङ दृष्टिकोणका कारण औपचारिक बैंकिङ क्षेत्रबाट वञ्चित भएकाहरूलाई हाम्रो बैंकको पहुँचमा ल्याउने हो। औपचारिक बैंकिङ च्यानलको पहुँचको अभावमा, कृषिमा संलग्नहरूले आफ्नो वित्तीय आवश्यकताहरू पूरा गर्न उच्च लागत तिर्नु पर्छ; यस उत्पादनले कृषकहरूको आर्थिक उत्थानको लागि प्रत्यक्ष रूपमा उनीहरूको फाइदामा संलग्न हुने अवसर प्रदान गर्दछ। एकै साथ, प्रस्तावित मोडस अपरेन्डीले किसानहरूको बिचौलियासँगको निर्भरता कम गर्न पनि मद्दत गर्दछ, जसले गर्दा किसानहरू/कृषिमा प्रत्यक्ष संलग्न भएकाहरूलाई थप लाभदायक बनाउँछ। &quot;नागरिक एक क्षेत्र एक उत्पादन&quot; मा&nbsp;विभिन्न उत्पादनहरू छन्, जुन उत्पादनले स्थानीय स्रोत, स्थानीय सीप र व्यवसाय सञ्चालन गर्न स्थानीय जनताको संलग्नताको प्रयोगलाई प्रवर्द्धन गर्ने गरी डिजाइन गरिएको छ।

<table>
	<tbody>
		<tr>
			<td>उद्देश्य:</td>
			<td>व्यक्तिगत वित्तीय दायित्व पूरा गर्न व्यक्तिगत ऋण सुविधा</td>
		</tr>
		<tr>
			<td>प्रकृति:</td>
			<td>टर्म लोन / ओभरड्राफ्ट सुविधा</td>
		</tr>
		<tr>
			<td>ऋण आकार:</td>
			<td>५० लाखसम्म</td>
		</tr>
		<tr>
			<td>कार्यकाल:</td>
			<td>अवधि ऋणको मामलामा - भुक्तानी अवधि अधिकतम १० वर्ष बराबर मासिक किस्तामा भुक्तान योग्य। 
			ओभरड्राफ्टको हकमा - १ वर्ष घुम्ने सुविधा।</td>
		</tr>
		<tr>
			<td>ऋण अंश:</td>
			<td>संपार्श्विक सुरक्षाको उचित बजार मूल्यको ७०% सम्म</td>
		</tr>
	</tbody>
</table>

* फ्रीहोल्ड कृषि भूमि पनि स्वीकार्य छ। #व्युत्पन्न मूल्य न्यूनतम हुनेछ: गाविसमा अवस्थित सम्पत्तिहरूको लागि सरकारी मूल्यको ५ गुणा / नगरपालिकाहरूमा अवस्थित सम्पत्तिहरूको लागि सरकारी मूल्यको ३ गुणा र/वा बैंकले निर्धारण गरेको बजार मूल्यको ६०% र/वा उचित बजार मूल्य प्रदान गरिएको छ। बैंकको अधिकृत मूल्याङ्कनकर्ता द्वारा।

Citizens One District One Product

एक जिल्ला एक उत्पादन

The primary objective of the Product is to uplift the living standards of the under- privileged families by providing them financial support at the time of their need. It could be for the purpose of starting up a new business or run their existing businesses in more organized manner or meeting their financial need for any of their family/social need. In simple terms, it is aimed to cater the urgent requirement of cash for under privileged, middle class and lower class families to meet their family, social and/or business requirement by extending loans against mortgage of land (including farm land, if any) and/or buildings in urban, semi urban or rural areas.

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet financial requirement of the borrower, both individuals, and business units, for agriculture/business/personal use.</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Term Loan / Overdraft Loan</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>&nbsp;Up to NPR 2.0 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>In case of Term Loan &ndash; Repayment period maximum 10 years payable in Equated Monthly Installment.</td>
		</tr>
		<tr>
			<td>Overdraft:</td>
			<td>1 year revolving facility</td>
		</tr>
		<tr>
			<td>Loan Portion:</td>
			<td>
			Up to 80% of the Distressed Value in case of real estate property having minimum 8 Ft. road access to be mortgaged in favor of the bank.

			Or,

			60% of Derived Value of collateral having less than 8 Ft. road access or no road access to be mortgaged in favor of the bank.
			</td>
		</tr>
		<tr>
			<td>Eligibility</td>
			<td>
			Any Nepali Citizen above age of 18 and maximum age of 60 years at the time of loan maturity.
			</td>
		</tr>
	</tbody>
</table>

&nbsp;

*Freehold agriculture land is also acceptable. 
#Derived Value will be the minimum of: 5 times the government value for properties located at VDC / 3 times the government value for properties located in municipalities and/or 60% of the Market Value ascertained by the Bank and/or Fair Market Value provided by an authorized valuator of the bank,

यो कर्जाको मुख्य उद्देश्य विपन्न परिवारलाई कर्जा उपलब्ध गराई उनीहरुको जीवनस्तर उकास्न सहयोग गर्नु हो। यो कर्जा नयाँ व्यापार सुरु गर्न वा सञ्चालनमा रहेका व्यापारलाई थप व्यवस्थित बनाउनका लागि लगानी गर्न वा आवेदकको अन्य पारिवारिक&divide;सामाजिक आवश्यकता पूरा गर्न उपयोग गर्न सकिन्छ। सामान्यतः यो कर्जा शहरी वा ग्रामीण क्षेत्रका विपन्न, निम्नवर्गीय र मध्यमवर्गीय परिवारका पारिवारिक/सामाजिक/व्यापारिक आवश्यकता पूरा गर्न जग्गा (कृषियोग्य वा अन्य) धितोवापत प्रदान गरिन्छ।

<table>
	<tbody>
		<tr>
			<td>प्रयोजनः</td>
			<td>आवेदक (व्यक्ति वा व्यवसायिक इकाई) का कृषिजन्य/व्यापारिक/व्यक्तिगत आवश्यकता पूरा गर्न</td>
		</tr>
		<tr>
			<td>किसिमः</td>
			<td>आवधिक वा अधिविकर्ष(ओभरड्राफ्ट) कर्जा</td>
		</tr>
		<tr>
			<td>कर्जा सीमाः</td>
			<td>अधिकतम नेरु २० लाखसम्म</td>
		</tr>
		<tr>
			<td>अवधिः</td>
			<td>आवधिक कर्जाको हकमा समान मासिक किस्ताबन्दीमा अधिकतम १० बर्ष</td>
		</tr>
		<tr>
			<td>अधिविकर्ष(ओभरड्राफ्ट)ः</td>
			<td>रिभल्भिङ आधारमा १ बर्ष सम्म</td>
		</tr>
		<tr>
			<td>योग्यता:</td>
			<td>ऋणको परिपक्वताको समयमा १८ वर्षभन्दा माथिको र अधिकतम ६० वर्ष उमेर पुगेको कुनै पनि नेपाली नागरिक</td>
		</tr>
	</tbody>
</table>

Citizens Fast Track Loan (CFTL)

सिटिजन्स फास्ट ट्रयाक कर्जा

The Bank provides loan against the shares of selected companies listed in the Nepal Stock Exchange (NEPSE).

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet financial obligations for investment in shares/Mutual fund/Debenture or refinancing the existing investment made in shares.</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Revolving and Non-Revolving (Demand Loan)</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>
			Revolving Type: up to NPR 5.0 Million for Individuals

			Non-Revolving Type Facility: up to NPR 250.0 Million for Individuals.

			(The above maximum loan amount is for Single Obligor. Also, the loan amount from all BFIs shall not exceed NPR 250.0 million of Single Obligor in case of individual borrower)
			</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>1 year for revolving and non-revolving facility</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>
			Pledge over the acceptable ordinary shares

			<ul>
				<li>Maximum drawdown shall be 70% of the eligible value of the shares.</li>
			</ul>

			Pledge over the acceptable promoter shares

			<ul>
				<li>Maximum drawdown shall be 50% of the eligible value of the shares</li>
			</ul>

			Pledge over the acceptable mutual fund/Debenture

			<ul>
				<li>Maximum drawdown shall be 50% of the face value of Mutual fund/Debenture</li>
			</ul>
			(Drawdown criteria shall be subject to the NRB guidelines from time to time or as specified by us.)</td>
		</tr>
	</tbody>
</table>

सिटिजन्स बैंकले नेपाल स्टक एक्सचेञ्ज (नेप्से)मा सूचिकृत चुनिएका कम्पनीहरुका शेयरवापत कर्जा उपलब्ध गराउँछ।&nbsp;&nbsp;

<table>
	<tbody>
		<tr>
			<td>प्रयोजनः</td>
			<td>सेयर/म्युचुअल फण्ड/डिबेन्चरमा लगानी गर्न वा सेयरमा गरिएको विद्यमान लगानीलाई पुनर्वित्त गर्ने वित्तीय दायित्वहरू पूरा गर्न।</td>
		</tr>
		<tr>
			<td>किसिमः</td>
			<td>अधिविकर्ष(ओभरड्राफ्ट), तथा डिमान्ड कर्जा</td>
		</tr>
		<tr>
			<td>ऋण आकार:</td>
			<td>
			घुम्ने प्रकार: व्यक्तिहरूको लागि रु. ५.० लाखसम्म

			गैर-परिवर्तनीय प्रकारको सुविधा: व्यक्तिगत रूपमा २५ करोड रुपैयाँसम्म। 
			(माथिको अधिकतम ऋण रकम एकल दायित्वको लागि हो। साथै, सबै बैंक तथा वित्तीय संस्थाहरूबाट प्राप्त ऋण रकम व्यक्तिगत ऋणीको हकमा एकल दायित्वको २५ करोड रुपैयाँभन्दा बढी हुनु हुँदैन)
			</td>
		</tr>
		<tr>
			<td>अवधि:</td>
			<td>१ बर्ष रिभल्भिङ सुविधा</td>
		</tr>
		<tr>
			<td>सुरक्षा र ड्राडाउन</td>
			<td>स्वीकार्य साधारण शेयरहरु मा प्रतिज्ञा 
			- अधिकतम ड्रडाउन शेयरको योग्य मूल्यको ७०% हुनेछ। 
			स्वीकार्य प्रवर्द्धक शेयरहरूमा प्रतिज्ञा 
			- अधिकतम ड्रडाउन शेयरको योग्य मूल्यको ५०% हुनेछ 
			स्वीकार्य म्युचुअल फन्ड/डिबेन्चरमा प्रतिज्ञा गर्नुहोस् 
			- म्युचुअल फण्ड/डिबेन्चरको अंकित मूल्यको ५०% अधिकतम ड्रडाउन हुनेछ 
			(ड्रडाउन मापदण्डहरू समय-समयमा वा हामीले तोके अनुसार नेपाल राष्ट्र बैंक दिशानिर्देशहरूको अधीनमा हुनेछन्।)</td>
		</tr>
	</tbody>
</table>

Citizens Margin Lending

सिटिजन्स मार्जिन लेन्डिङ

The bank will extend various funded as well as non funded facilities against unconditional guarantee issued by the World Bank, Asian Development Bank and International Finance Corporation including multilateral institutions and internationally rated Banks (Banks included annually in the list of TOP THOUSAND WORLD BANKS of &ldquo;The Banker&rsquo;) and/or acceptable guarantees issued by the banks in line with NRB Directives issued from time to time. For banks, outside Nepal, the Bank shall accept guarantees issued by only top 1000 banks as rated by the latest July issue of &lsquo;The Bankers&rsquo; magazine each year. A margin of at least 10% to be maintained on guarantee amount. Interest payable on quarterly basis, as per Nepalese calendar.

Rate of Interests: Premium of 1% to 5 % p.a. over the Base Rate.

Loan against first class Bank Guarantee

Citizens Visa Dollar Debit Card is accepted in all Visa network Terminals all over the world. This Card can be issued to Nepalese citizens as well as Foreign Nationals having USD account maintained at Citizens Bank and Nepalese citizens travelling abroad (other than India), who are eligible to get dollar exchange facility as per Nepal Rastra Bank.

Link :&nbsp;<a href="https://www.ctznbank.com/product/card">https://www.ctznbank.com/product/card</a>

<div>Benefits:</div>

<ul>
	<li>Hassle free in case of carrying cash and risk associated with it.</li>
	<li>Can be used as a substitute of Traveler&rsquo;s Cheque.</li>
</ul>

Safety Tips:

<ul>
	<li>Do not keep your Card &amp; PIN together at any circumstances. Try to memorize the PIN instead of writing it somewhere and destroy the PIN Mailer after first transaction.</li>
	<li>Do not write your PIN in your card. There is high risk of misusing your card.</li>
	<li>Do not give your Debit Card to anyone or disclose the PIN Mailer.</li>
	<li>Do not transact in presence of other person. Be vigilant when using an ATM Card to avoid intentional distraction by fraudsters.</li>
	<li>Check your account statement on regular basis and inform the bank immediately in case of any discrepancy.</li>
	<li>Confirm you have your Debit Card back in your possession before you leave the ATM booth or POS Terminal where you used your Card.</li>
</ul>

Transaction Limits and Charges:

<table border="0" cellpadding="0" cellspacing="0">
	<tbody>
		<tr>
			<td style="height:23px;">
			Card Transactions Limit within Nepal
			</td>
			<td style="height:23px;">
			Per Txn Limit
			</td>
			<td style="height:23px;">
			Daily Txn Limit
			</td>
			<td style="height:23px;">
			Monthly Txn Limit
			</td>
			<td style="height:23px;">
			Transaction Count
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			ATM Transaction within Nepal
			</td>
			<td style="height:23px;">
			NPR 20,000
			</td>
			<td style="height:23px;">
			NPR 50,000
			</td>
			<td style="height:23px;">
			NPR 3,00,000
			</td>
			<td nowrap="nowrap" rowspan="3" style="height:23px;">
			10 Txns per day
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			POS Transaction within Nepal
			</td>
			<td style="height:23px;">
			NPR 2,00,000
			</td>
			<td style="height:23px;">
			NPR 3,00,000
			</td>
			<td style="height:23px;">
			NPR 10,00,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Online Transaction within Nepal
			</td>
			<td style="height:23px;">
			NPR 2,00,000
			</td>
			<td style="height:23px;">
			NPR 3,00,000
			</td>
			<td style="height:23px;">
			NPR 10,00,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Card Transactions Limit within India
			</td>
			<td style="height:23px;">
			Per Txn Limit
			</td>
			<td style="height:23px;">
			Daily Txn Limit
			</td>
			<td style="height:23px;">
			Monthly Txn Limit
			</td>
			<td style="height:23px;">
			Transaction Count
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			ATM Transaction within India (Including Access Fee if any by Acquiring Bank)
			</td>
			<td style="height:23px;">
			NPR 24,000
			</td>
			<td style="height:23px;">
			NPR 24,000
			</td>
			<td style="height:23px;">
			NPR 1,60,000
			</td>
			<td rowspan="3" style="height:23px;">
			10 Txns per day
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			POS + Online Transaction within India
			</td>
			<td style="height:23px;">
			NPR 1,60,000
			</td>
			<td style="height:23px;">
			NPR 1,60,000
			</td>
			<td style="height:23px;">
			NPR 1,60,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			POS Transaction within India (only for Hotel, Hospital &amp; Pharmacy)
			</td>
			<td style="height:23px;">
			NPR 8,00,000
			</td>
			<td style="height:23px;">
			NPR 16,00,000
			</td>
			<td style="height:23px;">
			NPR 32,00,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Card Transactions Limit in Foreign (for Dollar Cards)
			</td>
			<td style="height:23px;">
			Per Txn Limit
			</td>
			<td style="height:23px;">
			Daily Txn Limit
			</td>
			<td style="height:23px;">
			Monthly Txn Limit
			</td>
			<td style="height:23px;">
			Transaction Count
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			ATM Transaction in Foreign
			</td>
			<td style="height:23px;">
			USD 1,000
			</td>
			<td style="height:23px;">
			USD 1,000
			</td>
			<td style="height:23px;">
			USD 5,000
			</td>
			<td rowspan="3" style="height:23px;">
			10 Txns per day
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			POS Transaction in Foreign
			</td>
			<td style="height:23px;">
			USD 2,000
			</td>
			<td style="height:23px;">
			USD 2,000
			</td>
			<td style="height:23px;">
			USD 5,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Online Transaction in Foreign
			</td>
			<td style="height:23px;">
			USD 1,000
			</td>
			<td style="height:23px;">
			USD 2,000
			</td>
			<td style="height:23px;">
			USD 2,000
			</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Card Transactions Limit for USD E-com Card
			</td>
			<td style="height:23px;">
			Per Txn Limit
			</td>
			<td style="height:23px;">
			Daily Txn Limit
			</td>
			<td style="height:23px;">
			Yearly Txn Limit
			</td>
			<td style="height:23px;">
			Transaction Count
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Online Transaction from USD E-com Card
			</td>
			<td style="height:23px;">
			USD 500
			</td>
			<td style="height:23px;">
			USD 500
			</td>
			<td style="height:23px;">
			USD 500
			</td>
			<td nowrap="nowrap" style="height:23px;">
			10 Txns per day
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
			<td nowrap="nowrap" style="height:23px;">&nbsp;</td>
		</tr>
		<tr>
			<td style="height:23px;">
			Other Card Limits
			</td>
			<td colspan="4" style="height:23px;">
			Limit
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Contactless Payment Transaction Limit (Tap &amp; Pay)
			</td>
			<td colspan="4" nowrap="nowrap" style="height:23px;">
			Per Transaction Maximum NPR 5,000 equivalent- 5 Txns per day
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Dollar Card- Yearly Transaction Limit (Online)
			</td>
			<td colspan="4" nowrap="nowrap" style="height:23px;">
			USD 2,000 Yearly
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Dollar Card- Yearly Transaction Limit (ATM+POS+Online)
			</td>
			<td colspan="4" nowrap="nowrap" style="height:23px;">
			USD 25,000 Yearly
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="height:23px;">
			Credit Card Cash withdrawal Limit
			</td>
			<td colspan="4" nowrap="nowrap" style="height:23px;">
			10% of Credit Limit
			</td>
		</tr>
	</tbody>
</table>

&nbsp;

<table>
	<tbody>
		<tr>
			<th>Visa USD Debit Card Transaction Fees</th>
			<th>Per Txn Fee</th>
		</tr>
		<tr>
			<td>In CTZN ATMs</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Withdrawal</td>
			<td>0</td>
		</tr>
		<tr>
			<td>Balance Enquiry</td>
			<td>0</td>
		</tr>
		<tr>
			<td>Mini Statement</td>
			<td>0</td>
		</tr>
		<tr>
			<td>PIN Change</td>
			<td>0</td>
		</tr>
		<tr>
			<td>In Member ATMs</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Withdrawal</td>
			<td>USD 5.00</td>
		</tr>
		<tr>
			<td>Balance Enquiry</td>
			<td>USD 0.75</td>
		</tr>
		<tr>
			<td>Mini Statement</td>
			<td>USD 0.75</td>
		</tr>
		<tr>
			<td>In Non-Member ATMs (Nepal) </td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Withdrawal</td>
			<td>USD 5.00</td>
		</tr>
		<tr>
			<td>Balance Enquiry</td>
			<td>USD 0.75</td>
		</tr>
		<tr>
			<td>In International ATMs</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Withdrawal</td>
			<td>USD 5.00</td>
		</tr>
		<tr>
			<td>Balance Enquiry</td>
			<td>USD 0.75</td>
		</tr>
		<tr>
			<td>POS Cash Advance</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Cash Advance at other Bank&#39;s POS</td>
			<td>USD 5+2% of Txn</td>
		</tr>
	</tbody>
</table>

Visa Debit Card (USD)

<table border="0" cellpadding="0" cellspacing="0" style="width:738px;" width="738">
	<tbody>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:23px;">
			Purpose
			</td>
			<td style="width:377px;height:23px;">
			To meet the financial requirement for commercial agricultural and livestock farming (e.g.&nbsp; seed plantation, vegetable, forestry, horticulture, animal husbandry, production, purchase/ sales and distribution of Agricultural Equipment and Auxiliary.
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:10px;">
			Nature
			</td>
			<td style="width:377px;height:10px;">
			Terminating loan payable in Equal Monthly Installment
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:27px;">
			Loan Size
			</td>
			<td style="width:377px;height:27px;">
			Minimum of NPR 50,000.00 and Maximum of NPR 50.00 Million
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:31px;">
			Tenure&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
			</td>
			<td style="width:377px;height:31px;">
			Minimum: 1 year

			Maximum: 5 years
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:64px;">
			Rate of interest
			</td>
			<td style="width:377px;height:64px;">
			Average Base Rate of last three consecutive month plus Premium Rate @ 1.5% minus Interest Subsidy of 3%
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:64px;">
			Borrower&#39;s age
			</td>
			<td style="width:377px;height:64px;">
			Minimum 18 years and Maximum 60 years at the time of final maturity
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:64px;">First Payment Date</td>
			<td style="width:377px;height:64px;">
			On the 20th day of English calendar from the subsequent month of initial draw-down.
			</td>
		</tr>
	</tbody>
</table>

<table border="0" cellpadding="0" cellspacing="0" style="width:738px;" width="738">
	<tbody>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:23px;">
			प्रयोजन:
			</td>
			<td style="width:377px;height:23px;">
			व्यावसायिक कृषि तथा पशुपालन (जस्तै बीउ रोपण, तरकारी, वन, बागवानी, पशुपालन, कृषि उपकरण र सहायक वस्तुहरूको उत्पादन, खरिद/बिक्री र वितरण) को लागि वित्तीय आवश्यकता पूरा गर्न।
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:10px;">
			किसिम:
			</td>
			<td style="width:377px;height:10px;">
			बराबर मासिक किस्तामा भुक्तानी योग्य ऋण समाप्त गर्दै
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:27px;">
			कर्जा सीमा:
			</td>
			<td style="width:377px;height:27px;">
			न्युनतम रु. ५०,०००.०० र अधिकतम रु. ५ करोड
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:31px;">
			अवधिः&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
			</td>
			<td style="width:377px;height:31px;">
			न्यूनतम: १ वर्ष

			अधिकतम: ५ वर्ष
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:64px;">
			ब्याज दर
			</td>
			<td style="width:377px;height:64px;">
			पछिल्लो तीन महिनाको औसत आधार दर र प्रिमियम दर @ १.५% घटाएर ३% ब्याज अनुदान
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:64px;">
			उधारकर्ताहरूको उमेर
			</td>
			<td style="width:377px;height:64px;">
			अन्तिम परिपक्वताको समयमा न्यूनतम १८ वर्ष र अधिकतम ६० वर्ष
			</td>
		</tr>
		<tr>
			<td nowrap="nowrap" style="width:132px;height:64px;">पहिलो भुक्तानी मिति</td>
			<td style="width:377px;height:64px;">प्रारम्भिक ड्र-डाउनको अर्को महिनाबाट अंग्रेजी क्यालेन्डरको २० औं दिनमा।</td>
		</tr>
	</tbody>
</table>

Citizens Agriculture and Livestock Loan

नागरिक कृषि तथा पशुधन ऋण

Term Loan

Overdraft

Working Capital Loan/ Short Term Loan/ Demand Loan/ Bridge Gap Loan/ Pledge Loan

Working Capital Loan/ Short Term Loan/ Demand Loan/ Bridge Gap Loan/ Pledge Loan

Trust Receipt Loan

Export Finance

Other Loan

Loan against Government Bond

Loan against Citizens Fixed Deposit Receipt and Promissory Note

Loan against Citizens Fixed Deposit Receipt and Promissory Note

Consortium Financing

NPR Loan Against FCY Fixed Deposit Receipt

NPR Loan Against FCY Fixed Deposit Receipt

Citizens Visa credit Card (NPR) is the Secured and convenient mode of payment in Nepal, India and Bhutan accepted both at Visa merchant locations and ATM.

<a class="btn btn-primary" href="https://cms-nztcbank.server247.info/framework/uploads/pdf/Vendor%20List.pdf" name="Tie Up Merchant Details" target="_blank">Tie Up Merchant Details</a>

<h4>Eligibility:</h4>

<ul>
	<li>Nepalese citizen with 18 years of age</li>
	<li>Individuals with stable and regular source of income from business, service or property.</li>
</ul>

<h4>Documentation required availing Citizens Credit Card Facility:</h4>

For Salaried personnel

<ul>
	<li>Credit Card Application form duly filled and signed.</li>
	<li>Passport Size Photographs (2 Copies).</li>
	<li>Copy of Citizenship Certificate/Passport.</li>
	<li>Salary Certificate/ letter from employer disclosing the designation and present salary.</li>
	<li>Copy of Bank Account Statement for last six to twelve months.</li>
</ul>

For Business Income Earners

<ul>
	<li>Credit Card Application form duly filled and signed.</li>
	<li>Passport Size Photographs (2 Copies).</li>
	<li>Copy of Citizenship Certificate/Passport.</li>
	<li>Financial Statement of last two years.</li>
	<li>Photocopy of Registration, PAN/VAT Certificate and/or license from concern authority</li>
	<li>Copy of Bank Account Statement for last six to twelve months.</li>
	<li>Memorandum and Articles of Association, Board Resolution to Borrow, paper disclosing percentage of ownership/shareholding, Partnership Deed.</li>
</ul>

<table>
	<tbody>
	</tbody>
	<thead>
		<tr>
			<th>S.N</th>
			<th>Visa Credit Card (Rupee) Charges</th>
			<th>in NPR</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>1</td>
			<td>Card Issuance Fee</td>
			<td>750</td>
		</tr>
		<tr>
			<td>2</td>
			<td>Annual/Renewal Fee</td>
			<td>750</td>
		</tr>
		<tr>
			<td>3</td>
			<td>Replacement Fee</td>
			<td>500</td>
		</tr>
		<tr>
			<td>4</td>
			<td>Supplementary Card Fee</td>
			<td>750</td>
		</tr>
		<tr>
			<td>5</td>
			<td>Pin re-generation Fee</td>
			<td>100</td>
		</tr>
		<tr>
			<td>6</td>
			<td>E-Commerce Activation Fee</td>
			<td>Free</td>
		</tr>
		<tr>
			<td>7</td>
			<td>Limit enhancement Fee</td>
			<td>500</td>
		</tr>
		<tr>
			<td>8</td>
			<td>Late payment Fee</td>
			<td>
			300 or 1% of monthly due whichever is higher
			</td>
		</tr>
		<tr>
			<td>9</td>
			<td>Over limit fee (Up to 10% of Credit Limit)</td>
			<td>300</td>
		</tr>
		<tr>
			<td>10</td>
			<td>Cash withdrawal from own ATM</td>
			<td>100+2% of txn</td>
		</tr>
		<tr>
			<td>11</td>
			<td>Stop Withdrawl</td>
			<td>500</td>
		</tr>
		<tr>
			<td>12</td>
			<td>Balance Inquiry from Own ATM</td>
			<td>0</td>
		</tr>
		<tr>
			<td>13</td>
			<td>PIN Change from Own ATM</td>
			<td>0</td>
		</tr>
		<tr>
			<td>14</td>
			<td>Mini Statement from Own ATM</td>
			<td>0</td>
		</tr>
		<tr>
			<td>15</td>
			<td>Cash withdrawal from other Bank&#39;s ATM/Cash Advance</td>
			<td>200+2% of txn</td>
		</tr>
		<tr>
			<td>16</td>
			<td>Balance inquiry from other ATM</td>
			<td>50</td>
		</tr>
		<tr>
			<td>17</td>
			<td>Interest rate</td>
			<td>2%/month</td>
		</tr>
	</tbody>
</table>

Visa Credit Card (Domestic)

Deprived Sector Loan

Citizens Visa Credit Card (USD) is issued in US Dollar and accepted worldwide in Visa merchant location and ATM. Any Nepali citizen having foreign currency income is eligible to apply for Citizens Visa Credit Card (USD)

<h4>Eligibility:</h4>

<ul>
	<li>Nepalese citizen with 18 years of age</li>
	<li>Any Nepali citizen having foreign currency income with the documents evidencing FCY income source.</li>
</ul>

<h4>Documentation required availing Citizens Credit Card Facility:</h4>

<ul>
	<li>Passport Size Photographs of Cardholder (2 Copies).</li>
	<li>Copy of Citizenship Certificate/Passport of Cardholder.</li>
	<li>Accreditation Certificates (Like NMC, NEC, ICAN etc.) if any.</li>
	<li>Personal PAN of the Cardholder.</li>
	<li>Photocopy of Registration, PAN/VAT Certificate and/or license from concern authority (if applicable).</li>
	<li>Memorandum and Articles of Association, Board Resolution to Borrow, paper disclosing percentage of ownership/shareholding, Partnership Deed.</li>
	<li>A letter from employer disclosing the current position/designation and total salary not less than 2 months old or bank account statement showing last two salary credits.</li>
	<li>Financial Statement of last two years.</li>
	<li>Copy of blue book of existing vehicles.</li>
	<li>Copy of Bank Account Statement for last six to twelve months.</li>
	<li>Loan application form duly filled and signed.</li>
	<li>Photocopy of &ldquo;Land/Apartment Ownership Certificate (Lal Purja)&rdquo; for KYC purpose.</li>
</ul>

<table>
	<tbody>
	</tbody>
	<thead>
		<tr>
			<th>S.N</th>
			<th>Visa Credit Card (USD) Charges</th>
			<th>USD Card(USD)</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>1</td>
			<td>Card Issuance Fee</td>
			<td>Nil</td>
		</tr>
		<tr>
			<td>2</td>
			<td>Annual/Renewal Fee</td>
			<td>15</td>
		</tr>
		<tr>
			<td>3</td>
			<td>Replacement Fee</td>
			<td>10</td>
		</tr>
		<tr>
			<td>4</td>
			<td>Supplementary Card Fee</td>
			<td>20</td>
		</tr>
		<tr>
			<td>5</td>
			<td>Pin re-generation Fee</td>
			<td>1</td>
		</tr>
		<tr>
			<td>6</td>
			<td>E-Commerce Activation Fee(Per Year)</td>
			<td>Free</td>
		</tr>
		<tr>
			<td>7</td>
			<td>Limit enhancement Fee</td>
			<td>5</td>
		</tr>
		<tr>
			<td>8</td>
			<td>Late payment Fee</td>
			<td>5</td>
		</tr>
		<tr>
			<td>9</td>
			<td>Over limit fee (Up to 10% of Credit Limit)</td>
			<td>5</td>
		</tr>
		<tr>
			<td>10</td>
			<td>Cash withdrawal from own ATM</td>
			<td>
			USD1+2% of txn
			</td>
		</tr>
		<tr>
			<td>11</td>
			<td>Stop Withdrawl</td>
			<td>
			0.75
			</td>
		</tr>
		<tr>
			<td>12</td>
			<td>Balance Inquiry from Own ATM</td>
			<td>0</td>
		</tr>
		<tr>
			<td>13</td>
			<td>PIN Change from Own ATM</td>
			<td>0</td>
		</tr>
		<tr>
			<td>14</td>
			<td>Mini Statement from Own ATM</td>
			<td>0</td>
		</tr>
		<tr>
			<td>15</td>
			<td>Cash withdrawal from other Bank&#39;s ATM/Cash Advance</td>
			<td>USD 5+2% of Txn</td>
		</tr>
		<tr>
			<td>16</td>
			<td>Balance inquiry from other ATM</td>
			<td>USD 0.75</td>
		</tr>
		<tr>
			<td>17</td>
			<td>Interest rate</td>
			<td>2%/month</td>
		</tr>
	</tbody>
</table>

Visa Credit Card (USD)

<h4>For Card operation related queries</h4>

<div class="top-description-section">
<table>
	<tbody>
	</tbody>
	<thead>
		<tr>
			<th>During Banking Hours </th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>For Card related queries</td>
		</tr>
		<tr>
			<td>Card Department, Thapathali, Kathmandu</td>
		</tr>
		<tr>
			<td>Email: ctzncard@ctznbank.com</td>
		</tr>
		<tr>
			<td>Tel: 01-4100578</td>
		</tr>
		<tr>
			<td>Ext: 206, 209, 277, 278</td>
		</tr>
	</tbody>
	<thead>
		<tr>
			<th>After Banking Hours</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>Nepal Electronic Payment System (NEPS)</td>
		</tr>
		<tr>
			<td>Troll Free no: 16000116016</td>
		</tr>
		<tr>
			<td>Tel: 01-4411687 / 4411703</td>
		</tr>
	</tbody>
</table>
</div>

Contact -Card Related Services

Remittance Content

Citizens Remit, a premium online customer focused and technology oriented Money Transfer product brought to you by Citizens Bank International Limited (CBIL). It is a state of art web-based money transfer system. It can be directly accessed by all our branches, Branch Less Banking Units (BLBs) and more than 7,000 payout agent networks covering every rural and urban areas of the country.

Further, the bank has appointed City Express Money Transfer &amp; GME Remittance as the principal agent for the disbursement of remittance transactions received through Citizens Remit. This arrangement allows the customers to receive their remittance payments from all the agents/sub-agents of City Express Money Transfer &amp; GME Remittance across the country. The entire remittance and customer service activities are closed monitored by the separate and dedicated Remittance Service Department, dedicated to deliver fast and reliable services to the customers. The various remittance agreements made by the bank with International and local remittance companies/banks are:

<a data-toggle="tab" href="#1" role="tab">Association with International Companies</a>

<table class="table table-striped">
	<thead>
		<tr class="info">
			<th>S.N</th>
			<th>Remittance Company</th>
			<th>Remittance Product</th>
			<th>Remitance Receiving Countries</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>1</td>
			<td>Axis Bank</td>
			<td>Citizens Remit</td>
			<td>India</td>
		</tr>
		<tr>
			<td>2</td>
			<td>Doha Bank</td>
			<td>Citizens Remit</td>
			<td>Qatar</td>
		</tr>
		<tr>
			<td>3</td>
			<td>Redha AI Ansari</td>
			<td>Citizens Remit</td>
			<td>UAE</td>
		</tr>
		<tr>
			<td>4</td>
			<td>Dollarco Exchange Company Limited</td>
			<td>Citizens Remit</td>
			<td>Kuwait</td>
		</tr>
		<tr>
			<td>5</td>
			<td>Alfa Exchange</td>
			<td>Citizens Remit</td>
			<td>UAE</td>
		</tr>
		<tr>
			<td>6</td>
			<td>Casco Financial Services Limited</td>
			<td>Citizens Remit</td>
			<td>U.K and all European Countries</td>
		</tr>
		<tr>
			<td>7</td>
			<td>World Remit Limited</td>
			<td>Citizens Remit</td>
			<td>U.K, Australia,New Zealand and all European Countries</td>
		</tr>
		<tr>
			<td>8</td>
			<td>D Com Money Express</td>
			<td>Citizens Remit</td>
			<td>Japan</td>
		</tr>
		<tr>
			<td>9</td>
			<td>Aussie Forex pty ltd</td>
			<td>Citizens Remit</td>
			<td>Australia</td>
		</tr>
		<tr>
			<td>10</td>
			<td>Aftab Currency Exnchange</td>
			<td>Citizens Remit</td>
			<td>U.K and all Europeans countries</td>
		</tr>
		<tr>
			<td>11</td>
			<td>Small World Financial Services</td>
			<td>Citizens Remit</td>
			<td>U.k, USA, Canada and all Europeans Countries</td>
		</tr>
		<tr>
			<td>12</td>
			<td>Xpress Money Services</td>
			<td>Xpress Money</td>
			<td>All over the world</td>
		</tr>
		<tr>
			<td>13</td>
			<td>Al Ansari Exchange</td>
			<td>Cash Express</td>
			<td>UAE</td>
		</tr>
		<tr>
			<td>14</td>
			<td>Al Dahab Exchange</td>
			<td>Citizens Remit</td>
			<td>UAE</td>
		</tr>
		<tr>
			<td>15</td>
			<td>Al Ahalia Money Exchange Bureau</td>
			<td>Citizens Remit</td>
			<td>UAE</td>
		</tr>
	</tbody>
</table>

<a data-toggle="tab" href="#2" role="tab">Association with Local Companies</a>

<table class="table table-striped">
	<thead>
		<tr class="info">
			<th>S.N</th>
			<th>Remittance Company</th>
			<th>Remittance Product</th>
			<th>Remitance Receiving Countries</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>1</td>
			<td>Ramro Remit</td>
			<td>Ramro Remit</td>
			<td>Qatar/UAE/Saudi Arab/Malaysia</td>
		</tr>
		<tr>
			<td>2</td>
			<td>Boom Remittance Pvt. Ltd.</td>
			<td>Boom Remit</td>
			<td>UAE,Malaysia,UK , European Countries and Middle East</td>
		</tr>
		<tr>
			<td>3</td>
			<td>Overseas Remit Pvt. Ltd.</td>
			<td>Overseas Remit</td>
			<td>Japan</td>
		</tr>
		<tr>
			<td>4</td>
			<td>Siddhartha Dev.Bank Ltd</td>
			<td>Siddhartha Trust Remit</td>
			<td>Malaysia</td>
		</tr>
		<tr>
			<td>5</td>
			<td>IPAY Reliable Remitttance P.Ltd</td>
			<td>IPAY Reliable</td>
			<td>Malaysia,UAE,Qatar and other Countries</td>
		</tr>
		<tr>
			<td>6</td>
			<td>Best Remit Pvt. Ltd</td>
			<td>Best Remit</td>
			<td>Japan, Malaysia and Qatar</td>
		</tr>
		<tr>
			<td>7</td>
			<td>Sewa Remit Pvt. Ltd</td>
			<td>Sewa Remit</td>
			<td>Saudi Arabia, Malaysia, Qatar, UAE</td>
		</tr>
		<tr>
			<td>8</td>
			<td>Samsara Money Transfer</td>
			<td>Samsara Remit</td>
			<td>Qatar, UAE &amp; European Countries</td>
		</tr>
		<tr>
			<td>9</td>
			<td>Easy Link Remittance Co.</td>
			<td>Easylink Remit</td>
			<td>Japan</td>
		</tr>
		<tr>
			<td>10</td>
			<td>Nepal Remit Int. P. Ltd</td>
			<td>Nepal Remit</td>
			<td>Japan, USA, Canada &amp; European Counties</td>
		</tr>
		<tr>
			<td>11</td>
			<td>JME Remit Co. P. Ltd</td>
			<td>JME Remit</td>
			<td>Japan</td>
		</tr>
		<tr>
			<td>12</td>
			<td>C.G Remit Pvt Ltd</td>
			<td>CG Money Remit</td>
			<td>Malaysia, Japan, USA &amp; U.K</td>
		</tr>
		<tr>
			<td>13</td>
			<td>Nepal Investment Bank Ltd</td>
			<td>Prithivi Remit</td>
			<td>UAE, Qatar, Saudi Arabia, Malaysia, U.K, USA &amp; European Countries</td>
		</tr>
		<tr>
			<td>14</td>
			<td>United Remit P. Ltd</td>
			<td>Money Gram</td>
			<td>All over the world</td>
		</tr>
		<tr>
			<td>15</td>
			<td>C.G Finco P. Ltd</td>
			<td>Western Union</td>
			<td>All over the world</td>
		</tr>
		<tr>
			<td>16</td>
			<td>City Express Money Transfer</td>
			<td>City Express</td>
			<td>Malaysia, Qatar, Japan, Saudi Arabia, USA, UK &amp; other countries</td>
		</tr>
		<tr>
			<td>17</td>
			<td>Reliable Dev Bank Limited</td>
			<td>Reliable Remit</td>
			<td>Malaysia and European Countries.</td>
		</tr>
		<tr>
			<td>18</td>
			<td>Batas Associates P. Ltd.</td>
			<td>Himal Remit</td>
			<td>Malaysia, Qatar, Saudi Arabia, UAE, UK, USA, Bahrain &amp; others</td>
		</tr>
		<tr>
			<td>19</td>
			<td>Prabhu Money Transfer</td>
			<td>Prabhu Money</td>
			<td>Malaysia, Qatar, Saudi Arabia, Japan, UAE, India and other countries</td>
		</tr>
		<tr>
			<td>20</td>
			<td>IME Limited</td>
			<td>IME</td>
			<td>Malaysia, Qatar, Saudi Arabia, Japan, UAE and other countries</td>
		</tr>
	</tbody>
</table>

&nbsp;

Association With Companies

Citizens Bank International Ltd obtained the license to act as Depository Participant (DP) and provide Demat related services in 2014. As a DP, Citizens Bank has been providing below listed services to its customers.

<ul>
	<li>Demat Account Opening</li>
	<li>Dematerialization of Share certificates</li>
	<li>Rematerialization of Dematerialized shares</li>
	<li>Demat Statement and Portfolio value viewing facility in real time from Meroshare Service</li>
	<li>Deposit, Withdraw and Transfer of securities</li>
	<li>Provide updated statement of account</li>
	<li>Pledge and unpledge of securities with secure and convenient electronic procedures</li>
	<li>To safeguard the investors&rsquo; securities into the electronic form and to debit/credit the particular investor&rsquo;s account as per the transactions occurred in the book entry system</li>
</ul>

Demat Department, Thapathali, Kathmandu&nbsp; 
Email: demat@ctznbank.com&nbsp; 
Tel: 01-4100578&nbsp; 
Ext: 212,210,219

<a href="https://cms-nztcbank.server247.info/framework/uploads/pdf/IMG_20230226_0001.pdf" target="_blank">Sample for Individual De-Mat</a>

<a href="https://cms-nztcbank.server247.info/framework/uploads/downloads/DEMAT_Comapany_Ac_Opening_Sample_Form.pdf" target="_blank">Sample for Corporate De-Mat</a>

सिटिजन्स बैंक इन्टरनेसनल लि. ले सन् २०१४ मा निक्षेप साझेदार(डिपोजीटोरी पार्टिसिपेन्ट)का रुपमा इजाजत प्राप्त ग&yen;यो। डिपोजीटोरी पार्टिसिपेन्टका रुपमा सिटिजन्स बैंकले ग्राहकलाई निम्नप्रकारका सेवासुविधा प्रदान गर्दै आइरहेको छः&nbsp;

<ul>
	<li>डिम्याट खाता खोल्न </li>
	<li>शेयर प्रमाणपत्रहरुको बस्तुगत मूल्य निर्धारण (डिमेटिरियलाइजेसन) </li>
	<li>डिमेटिरियलाइजेसन भएको सेयरको पुनरावृत्ति</li>
	<li>डिम्याट स्टेटमेन्ट र मेरो शेयरसेवाबाट पोर्टफोलियो मूल्यसम्बन्धी जानकारी</li>
	<li>निक्षेप, भुक्तान र धितो/जमानतको स्थानान्तरण</li>
	<li>अद्यावधिक गरिएको खाताकोे स्टेटमेन्ट</li>
	<li>विद्युतीय माध्यमबाट सहजै धितो/जमानत दर्ता र फुकुवा</li>
	<li>लगानीकर्ताका धितो/जमानतको फारमको र निश्चित लगानीकर्ताका खातामा भएका जम्मा वा भुक्तान कारोबारलाई&nbsp; विद्युतीय माध्यमा रुपान्तरण&nbsp;</li>
</ul>

डिम्याट विभाग, थापाथली, काठमाडौँ 
इमेल: demat@ctznbank.com&nbsp; 
फोन : ०१-४१००५७८ 
एक्स्टेन्सन : २१२,२१०,२१९

<a href="https://cms-nztcbank.server247.info/framework/uploads/pdf/IMG_20230226_0001.pdf" target="_blank">एकल डिम्याट खाता</a>

<a href="https://cms-nztcbank.server247.info/framework/uploads/downloads/DEMAT_Comapany_Ac_Opening_Sample_Form.pdf" target="_blank">कर्परेट डिम्याट खाता</a>

De-Mat

डिम्याट

3D Secure Service

Citizens Visa Cardholders can register for 3D Secure service in their Card. With 3D Secure service, Cardholders can make online payments for purchase of goods &amp; services securely on any &lsquo;Verified By Visa&rsquo; merchant websites worldwide (from Citizens Visa International Debit/Credit cards) and within Nepal and India (from Citizens Visa Domestic Debit/Credit cards).

What is 3D Secure?

3D Secure is a service that lets cardholder to purchase online securely using Debit/Credit Card on merchant websites that are subscribed to &lsquo;Verified By Visa&rsquo; (VbV) Service. 3D Secure Service provides One Time Password (OTP) to cardholder which the cardholder will receive on his/her registered mobile number and/or email to protect online transactions.

 
How to Register 3D Secure in Citizens Visa Debit/Credit Card?

Cardholder requires to fill Card Online/E-commerce Activation (3D Secure) form and submit to nearest branches.

 
3D Secure Registration Fee

The Registration fee is free.

थ्रीडि सेक्योर सुविधा

सिटिजन्स भिजा कार्ड प्रयोगकर्ताहरुले आफ्ना कार्डमा थ्रीडि सेक्योर सुविधा थप गर्न सक्छन्। थ्रीडि सेक्योर सुविधामार्फत कार्ड प्रयोगकर्ताहरुले संसारभरका कुनैपनि भिजा प्रमाणित &lsquo;ख्भचषष्भम द्यथ ख्ष्कब&rsquo; वेबसाइटमा बस्तु तथा सेवा खरीद गरेवापत सिटिजन्स भिजा इन्टरनेसनल डेबिट वा क्रेडिट कार्ड र नेपाल र भारतमा सिटिजन्स भिजा डोमेस्डिक डेबिट वा क्रेडिट कार्डद्वारा अनलाइन रकम सुरक्षित रुपमा भुक्तान गर्न सक्नेछन्।&nbsp;

थ्रीडि सेक्योर सुविधा के हो?

थ्रीडि सेक्योर सुविधा कार्ड प्रयोगकर्ताहरुले संसारभरका कुनैपनि भिजा प्रमाणित &lsquo;ख्भचषष्भम द्यथ ख्ष्कब&rsquo; वेबसाइटमा बस्तु तथा सेवा खरीद गरेवापत अनलाइन रकम सुरक्षित रुपमा भुक्तान गर्न सक्ने माध्यम हो। थ्रीडि सेक्योर सुविधाले सुरक्षित अनलाइन कारोबारका लागि कार्ड प्रयोकर्तालाई दर्ता गरेका मोबाइल नम्बर वा ईमेलमा वान टाइम पासवर्ड(ओटिपि) प्रदान गर्दछ।

सिटिजन्स भिजा डेबिट वा क्रेडिट काडर्मा थ्रीडि सेक्योर सुविधा कसरी दर्ता गर्ने?

कार्ड प्रयोगकर्ताहरुले कार्ड अनलाइन&divide;ई&ndash;कमर्श एक्टिभेसन (थ्रीडि सेक्योर) फारम भरेर नजिकैको शाखामा बुझाउनु पर्दछ।&nbsp;&nbsp;

थ्रीडि सेक्योर सुविधा दर्ता शुल्क

प्रति कार्ड बार्षिक निशुल्क&nbsp;

3D Secure Service (Visa Card)

थ्रीडि सेक्योर सुविधा (भिजा कार्ड)

Slogan: &ldquo;Privilege, Redefined Digitally&rdquo;

Experience personalized and priority banking designed exclusively for our most valued customers. Citizens Privilege Banking offers strategic financial guidance, exclusive benefits, and dedicated service to make your banking relationship effortless and rewarding.

Citizens Privilege Banking &mdash; Frequently Asked Questions (FAQs)

1. What is Citizens Privilege Banking?

Citizens Privilege Banking is an exclusive service designed to provide personalized and priority banking experiences to our most valued customers. It offers tailored financial solutions, professional guidance, and exclusive privileges such as dedicated Relationship Managers and enhanced benefits on various banking products.

2. What are the main advantages of being a Privilege Banking customer?

As a Privilege Banking customer, you enjoy access to priority services, personalized financial guidance, faster transaction processing, and exclusive privileges such as better foreign exchange rates, locker and card discounts, and complimentary banking assistance through our dedicated Relationship Managers.

3. Who can become a Privilege Banking customer?

Individuals and institutions maintaining strong relationships with the bank are eligible. 
For individuals, eligibility is generally based on average balance, shareholding, salary income, or special management approval. Corporate clients with significant account balances or payroll relationships with Citizens Bank also qualify. Senior citizens and differently abled customers are automatically eligible for this service.

4. Is there a fee to join or maintain Privilege Banking?

No. Privilege Banking is a complimentary service provided by Citizens Bank to recognize and reward our valued customers.

5. What is the Privilege Digital Card?

The Privilege Digital Card is available through your Citizens Mobile Banking app. It displays your Privilege status along with your Relationship Manager&rsquo;s name, and contact details. This allows you to receive priority service at any Citizens Bank branch across Nepal.

6. What exclusive benefits do Privilege customers receive?

Privilege Banking customers receive special benefits such as:

<ul>
	<li>Priority service through dedicated Relationship Managers.</li>
	<li>Preferential foreign exchange rates (+15 paisa on FCY transactions).</li>
	<li>50% discount on credit card issuance and locker facilities for the first year.</li>
	<li>25% discount on E-Com card top-ups, SWIFT, and demand draft commissions.</li>
	<li>Home or Office Banking on request.</li>
	<li>Personalized greetings on birthdays and major festivals.</li>
	<li>Access to exclusive merchant discounts through bank partnerships.</li>
</ul>

7. Can I access Privilege services at all branches?

Yes. Privilege customers are recognized across all Citizens Bank branches in Nepal.

8. Are there special service hours for Privilege Banking?

Yes. Privilege services are available from Monday to Friday (10:00 AM to 5:00 PM)

Customers can contact their Relationship Manager for appointments beyond these hours if needed.

9. Can my family members also enjoy Privilege Banking benefits?

Yes. Family members of Privilege customers can enjoy selective privileges such as priority service and special assistance at branches, although separate Privilege Cards are not issued to them.

10. What is Home and Office Banking?

Home and Office Banking allows Privilege staff to deliver selected banking services at your doorstep or workplace upon request. This is especially useful when you&rsquo;re unable to visit the branch personally.

11. What happens if my account balance falls below the required level?

If your average balance remains below the eligibility threshold for four consecutive quarters, your Privilege status may be reviewed or temporarily suspended. However, our team will contact you beforehand to discuss the situation and possible solutions.

12. What kind of communication can I expect as a Privilege customer?

You will receive regular updates from your Relationship Manager regarding new services, promotions, and tie-ups. You&rsquo;ll also receive personalized greetings during major festivals and special occasions such as your birthday.

13. How often will my Relationship Manager contact me?

Your RM will reach out to you as per need or at least once in a three month for individuals and every month for corporate clients to ensure your banking needs are met and to offer guidance on new opportunities.

14. Is my information safe with Privilege Banking?

Yes. Citizens Bank ensures complete confidentiality of all Privilege customer data. All personal and financial information is handled securely in accordance with bank policy and regulatory standards.

15. Do Privilege customers receive offers from partner merchants?

Yes. Privilege customers enjoy exclusive discounts at various merchant outlets and service providers through Citizens Bank&rsquo;s ongoing partnership programs.

16. Can I request financial advice through my RM?

Absolutely. Your Relationship Manager is trained to provide strategic guidance on saving, investing, and optimizing your banking relationship for maximum returns.

17. How do I contact the Privilege Banking Team?

There will be your delectated RM for call and privilege customer can call us at Mr. Bibek Shrestha (9851142363) Relationship Manager &amp; Ms. Rajanee Baniya (9851402417) Relationship Officer at Durbarmarg or Mr. Shreedhar Koirala (9851403546) Relationship Officer at Thapathali or email on <a href="mailto:privilege.banking@ctznbank.com" style="color:blue; text-decoration:underline">privilege.banking@ctznbank.com</a>

Slogan: &ldquo;Privilege, Redefined Digitally&rdquo;

Experience personalized and priority banking designed exclusively for our most valued customers. Citizens Privilege Banking offers strategic financial guidance, exclusive benefits, and dedicated service to make your banking relationship effortless and rewarding.

Citizens Privilege Banking &mdash; Frequently Asked Questions (FAQs)

1. What is Citizens Privilege Banking?

Citizens Privilege Banking is an exclusive service designed to provide personalized and priority banking experiences to our most valued customers. It offers tailored financial solutions, professional guidance, and exclusive privileges such as dedicated Relationship Managers and enhanced benefits on various banking products.

&nbsp;

2. What are the main advantages of being a Privilege Banking customer?

As a Privilege Banking customer, you enjoy access to priority services, personalized financial guidance, faster transaction processing, and exclusive privileges such as better foreign exchange rates, locker and card discounts, and complimentary banking assistance through our dedicated Relationship Managers.

&nbsp;

3. Who can become a Privilege Banking customer?

Individuals and institutions maintaining strong relationships with the bank are eligible. 
For individuals, eligibility is generally based on average balance, shareholding, salary income, or special management approval. Corporate clients with significant account balances or payroll relationships with Citizens Bank also qualify. Senior citizens and differently abled customers are automatically eligible for this service.

&nbsp;

4. Is there a fee to join or maintain Privilege Banking?

No. Privilege Banking is a complimentary service provided by Citizens Bank to recognize and reward our valued customers.

&nbsp;

5. What is the Privilege Digital Card?

The Privilege Digital Card is available through your Citizens Mobile Banking app. It displays your Privilege status along with your Relationship Manager&rsquo;s name, and contact details. This allows you to receive priority service at any Citizens Bank branch across Nepal.

&nbsp;

6. What exclusive benefits do Privilege customers receive?

Privilege Banking customers receive special benefits such as:

<ul>
	<li>Priority service through dedicated Relationship Managers.</li>
	<li>Preferential foreign exchange rates (+15 paisa on FCY transactions).</li>
	<li>50% discount on credit card issuance and locker facilities for the first year.</li>
	<li>25% discount on E-Com card top-ups, SWIFT, and demand draft commissions.</li>
	<li>Home or Office Banking on request.</li>
	<li>Personalized greetings on birthdays and major festivals.</li>
	<li>Access to exclusive merchant discounts through bank partnerships.</li>
</ul>

&nbsp;

7. Can I access Privilege services at all branches?

Yes. Privilege customers are recognized across all Citizens Bank branches in Nepal.

&nbsp;

8. Are there special service hours for Privilege Banking?

Yes. Privilege services are available from Monday to Friday (10:00 AM to 5:00 PM)

Customers can contact their Relationship Manager for appointments beyond these hours if needed.

&nbsp;

9. Can my family members also enjoy Privilege Banking benefits?

Yes. Family members of Privilege customers can enjoy selective privileges such as priority service and special assistance at branches, although separate Privilege Cards are not issued to them.

&nbsp;

10. What is Home and Office Banking?

Home and Office Banking allows Privilege staff to deliver selected banking services at your doorstep or workplace upon request. This is especially useful when you&rsquo;re unable to visit the branch personally.

&nbsp;

11. What happens if my account balance falls below the required level?

If your average balance remains below the eligibility threshold for four consecutive quarters, your Privilege status may be reviewed or temporarily suspended. However, our team will contact you beforehand to discuss the situation and possible solutions.

&nbsp;

12. What kind of communication can I expect as a Privilege customer?

You will receive regular updates from your Relationship Manager regarding new services, promotions, and tie-ups. You&rsquo;ll also receive personalized greetings during major festivals and special occasions such as your birthday.

&nbsp;

13. How often will my Relationship Manager contact me?

Your RM will reach out to you as per need or at least once in a three month for individuals and every month for corporate clients to ensure your banking needs are met and to offer guidance on new opportunities.

&nbsp;

14. Is my information safe with Privilege Banking?

Yes. Citizens Bank ensures complete confidentiality of all Privilege customer data. All personal and financial information is handled securely in accordance with bank policy and regulatory standards.

&nbsp;

15. Do Privilege customers receive offers from partner merchants?

Yes. Privilege customers enjoy exclusive discounts at various merchant outlets and service providers through Citizens Bank&rsquo;s ongoing partnership programs.

&nbsp;

16. Can I request financial advice through my RM?

Absolutely. Your Relationship Manager is trained to provide strategic guidance on saving, investing, and optimizing your banking relationship for maximum returns.

&nbsp;

17. How do I contact the Privilege Banking Team?

There will be your delectated RM for call and privilege customer can call us at Mr. Bibek Shrestha (9851142363) Relationship Manager &amp; Ms. Rajanee Baniya (9851402417) Relationship Officer at Durbarmarg or Mr. Shreedhar Koirala (9851403546) Relationship Officer at Thapathali or email on <a href="mailto:privilege.banking@ctznbank.com" style="color:blue; text-decoration:underline">privilege.banking@ctznbank.com</a>

Privilege Banking Service

Bank has offered various concessional loans for paving the way for unemployed educated youths, returnee migrant works, women entrepreneurs, Dalits, earthquake victims, other targeted groups as Subsidized loans. Details of various subsidized loans are as follows:

1. Commercial Agriculture and Livestock Loan

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet the financial requirement for commercial agricultural and livestock farming (e.g: seed plantation, vegetable, forestry, Horticulture, Animal Husbandry, production, processing, stocking and selling and distribution)</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Minimum of NPR 50,000.00 and Maximum of NPR 50.00 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Minimum: 1 year
			Maximum: 5 years
			</td>
		</tr>
		<tr>
			<td>Rate of interests:</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 5% (No other charges)</td>
		</tr>
	</tbody>
</table>

Eligibility Criteria:

<ul>
	<li>The applicant must be at least 18 years and should not exceed 60 years at the time of maturity.</li>
	<li>Should not be blacklisted at CIC</li>
</ul>

2. Educated Youth Self Employment Loan

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet the financial requirement to jobless educated individuals to start a business</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Minimum of NPR 50,000.00 and Maximum of NPR 700,000</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Minimum: 1 year
			Maximum: 5 years
			</td>
		</tr>
		<tr>
			<td>Rate of interests:</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 5% (No other charges)</td>
		</tr>
	</tbody>
</table>

Eligibility Criteria:

<ul>
	<li>Should have minimum academic qualification of Bachelor Degree or Equivalent.</li>
	<li>Should not be above 40 years of age at the time of loan approval</li>
	<li>Required to submit original academic certificate as collateral</li>
	<li>The applicant must have taken at least 7 days entrepreneurship or skills training from government entity viz; Department of Cottage and Small Industries, Vocational and Skill Development Training Centre, Council for Technical Education &amp; Vocational Training (CTEVT) etc.</li>
	<li>Should not be blacklisted at CIC</li>
</ul>

3. Foreign Employment Returnee Project Loan

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet the financial requirement for doing various businesses</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Minimum of NPR 50,000.00 and Maximum of NPR 1.00 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Minimum: 1 year
			Maximum: 5 years
			</td>
		</tr>
		<tr>
			<td>Rate of interests:</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 5% (No other charges)</td>
		</tr>
	</tbody>
</table>

Eligibility Criteria:

<ul>
	<li>The borrower shall have minimum working experience (with or without obtaining work permit) of at least 6 months in training/employment/business field from the foreign country.</li>
	<li>The individuals holding permit for permanent residency (PR/Green Card) shall not be eligible to avail such loan.</li>
	<li>This facility shall be provided to returnee against the Business project irrespective of any knowledge and skills he gained abroad. Business project can be related to his/her experience, interest and skills.</li>
	<li>Should not be blacklisted at CIC</li>
</ul>

4. Women Entrepreneurship Loan

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet the financial requirement of the woman for encouraging them to start business venture</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Minimum of NPR 50,000.00 and Maximum of NPR 1.50 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Minimum: 1 year
			Maximum: 5 years
			</td>
		</tr>
		<tr>
			<td>Rate of interests:</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 6% (No other charges)</td>
		</tr>
	</tbody>
</table>

Eligibility Criteria:

<ul>
	<li>Loan to be advanced to woman only</li>
	<li>Where loan is provided to a group, group should be form with minimum of 5 women from different families having minimum age of 18 years</li>
	<li>Should not be blacklisted at CIC</li>
</ul>

5. Dalit Community Entrepreneurship Development Loan

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet the financial requirement of the youth under Dalit Community to start business for modernizing and promoting the traditional skill and occupation of Dalit Community.</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Minimum of NPR 50,000.00 and Maximum of NPR 1.00 Million</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Minimum: 1 year
			Maximum: 5 years
			</td>
		</tr>
		<tr>
			<td>Rate of interests:</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 5% (No other charges)</td>
		</tr>
	</tbody>
</table>

Eligibility Criteria:

<ul>
	<li>The borrower should be from Dalit Community</li>
	<li>Recommendation from Rural-Municipality (Gaupalika) or Municipality regarding their belongingness to Dalit Cast</li>
	<li>Shall operate business for modernization and promotion of traditional skill and occupation of Dalit Community</li>
	<li>Where loan is secured to the group, group should be form with minimum of 5 individuals of Dalit Cast from different Dalit families having minimum age of 18 years</li>
	<li>Should not be blacklisted at CIC</li>
</ul>

6. Higher &amp; Technological or Vocational Education Loan

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To meet the financial requirement of the student to pursue higher, Technological and Vocational bachelor level or higher studies defined by Nepal Government.</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Minimum of NPR 50,000.00 and Maximum of NPR 500,000.00</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Minimum: 1 year
			Maximum: 5 years
			</td>
		</tr>
		<tr>
			<td>Rate of interests:</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 5% (No other charges)</td>
		</tr>
	</tbody>
</table>

Eligibility Criteria:

<ul>
	<li>Should have minimum academic qualification of Higher Secondary Level or Equivalent.</li>
	<li>Should not be above 25 years of age at the time of loan approval</li>
	<li>Documentary evidence of admission or Documents verifying the eligibility of admission in the Educational Institution of Nepal</li>
	<li>Should not be blacklisted at CIC</li>
</ul>

7. Earthquake Victims Residence Construction Loan

<table>
	<tbody>
		<tr>
			<td>Purpose:</td>
			<td>To support the earthquake victims to construct the residential building for personal use.</td>
		</tr>
		<tr>
			<td>Nature:</td>
			<td>Terminating loan payable in Equal Monthly Installment</td>
		</tr>
		<tr>
			<td>Loan Size:</td>
			<td>Minimum of NPR 50,000.00 and Maximum of NPR 300,000.00</td>
		</tr>
		<tr>
			<td>Tenure:</td>
			<td>Minimum: 1 year
			Maximum: 5 years
			</td>
		</tr>
		<tr>
			<td>Rate of interests:</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 5% (No other charges)</td>
		</tr>
	</tbody>
</table>

Eligibility Criteria:

<ul>
	<li>Earthquake victims should not have taken any institutional subsidy other than the subsidy provided by Nepal Government.</li>
	<li>Earthquake victims unable to construct residence due to financial crisis that has entered into agreement with National Reconstruction Authority.</li>
	<li>Neither of the borrower nor the immediate family member has residence within the nation.</li>
	<li>Borrower availing the earthquake victim residence reconstruction loan can be eligible to apply for loan under any other scheme.</li>
</ul>

8.&nbsp;Subsidized Loan (Citizens Technical Education Loan)

<table border="1" cellpadding="1" cellspacing="1" style="width:100%;">
	<tbody>
		<tr>
			<td>Purpose</td>
			<td>To meet the financial requirement for pursuing Vocational/Technical courses provided by CTEVT and/or Institutions affiliated/certified with CTEVT</td>
		</tr>
		<tr>
			<td>Nature&nbsp;</td>
			<td>Terminating loan payable in Equal Monthly Installment&nbsp;</td>
		</tr>
		<tr>
			<td>Loan Size</td>
			<td>Maximum up to NPR 200,000.00&nbsp;</td>
		</tr>
		<tr>
			<td>Tenure</td>
			<td>Maximum 5 years&nbsp;</td>
		</tr>
		<tr>
			<td>Rate of Interest</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 5%&nbsp;</td>
		</tr>
		<tr>
			<td>Eligibility Criteria</td>
			<td>&nbsp;-Borrower should not be above 35 years of age at the time of loan approval. 
			- Documentary Evfdence of admission or Documents verifying the eligibility of admission. 
			- Borrower should not be black listed.</td>
		</tr>
	</tbody>
</table>

&nbsp;

9.&nbsp;Subsidized Loan (Citizens Youth Self Employment Loan)&nbsp;

<table border="1" cellpadding="1" cellspacing="1" style="width:100%;">
	<tbody>
		<tr>
			<td>Purpose</td>
			<td>To meet the financial requirement of youth individual to start business as directed by prevailing law related to industrial business</td>
		</tr>
		<tr>
			<td>Nature</td>
			<td>Terminating loan payable in Equal Monthly Installment&nbsp;</td>
		</tr>
		<tr>
			<td>Loan Size</td>
			<td>Maximum up to NPR 500,000.00&nbsp;</td>
		</tr>
		<tr>
			<td>Tenure</td>
			<td>Maximum 5 years</td>
		</tr>
		<tr>
			<td>Rate of Interest</td>
			<td>Base Rate of last month plus Premium Rate @ 2% minus Interest Subsidy of 5%.</td>
		</tr>
		<tr>
			<td>Eligibility Criteria</td>
			<td>
			- Borrower should have minimum Academic Qualification of SLC or SEE or Equivalent.

			- Required&nbsp;to submit original academic certificate as collateral. 
			- The applicant must have taken atleastT days entrepreneurship or skills training from govemment entity viz; Department of Cottage and Small Industries, Vocational and Skill Development Training Centre, Council for Technical Education &amp; Vocational Training (CTEVT) etc.
			</td>
		</tr>
	</tbody>
</table>

&nbsp;

Subsidized Loan

<table>
	<tbody>
		<tr>
			<th>&nbsp;</th>
			<th>Particulars</th>
			<th>&nbsp;</th>
			<th>Fees &amp; Charges</th>
			<th>&nbsp;</th>
		</tr>
		<tr>
			<th>S.N</th>
			<th>Dimension in inches</th>
			<th>Volume (in3)</th>
			<th>Annual Service Charge</th>
			<th>Key Deposit</th>
		</tr>
		<tr>
			<td>1</td>
			<td>H4 W7 D19*</td>
			<td>532</td>
			<td>Rs.3,000 p.a.</td>
			<td>Rs.10,000</td>
		</tr>
		<tr>
			<td>2</td>
			<td>H5 W7 D20</td>
			<td>700</td>
			<td>Rs.3,000 p.a.</td>
			<td>Rs.10,000</td>
		</tr>
		<tr>
			<td>3</td>
			<td>H6 W8 D19</td>
			<td>912</td>
			<td>Rs.3,000 p.a.</td>
			<td>Rs.10,000</td>
		</tr>
		<tr>
			<td>4</td>
			<td>H7 W10 D19</td>
			<td>1330</td>
			<td>Rs.4,000 p.a.</td>
			<td>Rs.12,000</td>
		</tr>
		<tr>
			<td>5</td>
			<td>H6 W16 D19*</td>
			<td>1824</td>
			<td>Rs.4,500 p.a.</td>
			<td>Rs.12,000</td>
		</tr>
		<tr>
			<td>6</td>
			<td>H12 W8 D19*</td>
			<td>1824</td>
			<td>Rs.4,500 p.a.&nbsp;</td>
			<td>Rs.12,000</td>
		</tr>
		<tr>
			<td>7</td>
			<td>H7 W21 D19</td>
			<td>2793</td>
			<td>Rs.5,000 p.a.</td>
			<td>Rs.15,000&nbsp;</td>
		</tr>
		<tr>
			<td>8</td>
			<td>H12 W16 D19*</td>
			<td>3648</td>
			<td>Rs.5,500 p.a.</td>
			<td>Rs.20,000</td>
		</tr>
		<tr>
			<td>9</td>
			<td>H11 W21 D19</td>
			<td>4389</td>
			<td>Rs.7,000 p.a.&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</td>
			<td>Rs.20,000</td>
		</tr>
		<tr>
			<td>10</td>
			<td>H15 W21 D19</td>
			<td>5985</td>
			<td>Rs.8,000 p.a.</td>
			<td>Rs.25,000</td>
		</tr>
	</tbody>
</table>

Locker Break Open/ Replacement of Key&nbsp; &nbsp;Rs.2,000 plus actual cost

<table>
	<thead>
		<tr>
			<td colspan="4" style="text-align: center;">Locker Availing Branches</td>
		</tr>
		<tr>
			<td>S.No</td>
			<td>Inside Valley Branches&nbsp;</td>
			<td>S.No</td>
			<td>Outside Valley Branches</td>
		</tr>
	</thead>
	<colgroup>
		<col />
	</colgroup>
	<tbody>
		<tr>
			<td>1</td>
			<td>Durbarmarg&nbsp;Branch</td>
			<td>1</td>
			<td>Birtamod&nbsp;Branch</td>
		</tr>
		<tr>
			<td>2</td>
			<td>Bhaisepati&nbsp;Branch</td>
			<td>2</td>
			<td>Biratnagar&nbsp;Branch</td>
		</tr>
		<tr>
			<td>3</td>
			<td>Boudha&nbsp;Branch</td>
			<td>3</td>
			<td>Birgunj&nbsp;Branch</td>
		</tr>
		<tr>
			<td>4</td>
			<td>Chabahil&nbsp;Branch</td>
			<td>4</td>
			<td>Butwal&nbsp;Branch</td>
		</tr>
		<tr>
			<td>5</td>
			<td>Dillibazar&nbsp;Branch</td>
			<td>5</td>
			<td>Charikot&nbsp;Branch</td>
		</tr>
		<tr>
			<td>6</td>
			<td>Gwarko&nbsp;Branch</td>
			<td>6</td>
			<td>Dhangadi Branch</td>
		</tr>
		<tr>
			<td>7</td>
			<td>Kalanki&nbsp;Branch</td>
			<td>7</td>
			<td>Hetauda&nbsp;Branch</td>
		</tr>
		<tr>
			<td>8</td>
			<td>Kapan&nbsp;Branch</td>
			<td>8</td>
			<td>Narayanghat&nbsp;Branch</td>
		</tr>
		<tr>
			<td>9</td>
			<td>Koteshwor&nbsp;Branch</td>
			<td>9</td>
			<td>Nepalgunj&nbsp;Branch</td>
		</tr>
		<tr>
			<td>10</td>
			<td>Kuleshwor&nbsp;Branch</td>
			<td>10</td>
			<td>Pokhara&nbsp;Branch</td>
		</tr>
		<tr>
			<td>11</td>
			<td>Kumaripati&nbsp;Branch</td>
			<td>11</td>
			<td>Siddharthangar&nbsp;Branch</td>
		</tr>
		<tr>
			<td>12</td>
			<td>Kupondole&nbsp;Branch</td>
			<td>12</td>
			<td>Surkhet&nbsp;Branch</td>
		</tr>
		<tr>
			<td>13</td>
			<td>Maitidevi&nbsp;Branch</td>
			<td>13</td>
			<td>Dharan&nbsp;Branch</td>
		</tr>
		<tr>
			<td>14</td>
			<td>NarayanGopal Chowk&nbsp;Branch</td>
			<td>14</td>
			<td>Ghorahi&nbsp;Branch</td>
		</tr>
		<tr>
			<td>15</td>
			<td>Naya Baneshwor&nbsp;Branch</td>
			<td>15</td>
			<td>Itahari&nbsp;Branch</td>
		</tr>
		<tr>
			<td>16</td>
			<td>Nayabazar&nbsp;Branch</td>
			<td>16</td>
			<td>Janakpur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>17</td>
			<td>Newroad&nbsp;Branch</td>
			<td>17</td>
			<td>Simalchaur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>18</td>
			<td>Samakhushi&nbsp;Branch</td>
			<td>18</td>
			<td>Kohalpur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>19</td>
			<td>Thahity&nbsp;Branch</td>
			<td>19</td>
			<td>Kanchanbari&nbsp;Branch</td>
		</tr>
		<tr>
			<td>20</td>
			<td>Thapathali&nbsp;Branch</td>
			<td>20</td>
			<td>Sanoshree&nbsp;Branch</td>
		</tr>
		<tr>
			<td>21</td>
			<td>Thimi&nbsp;Branch</td>
			<td>21</td>
			<td>Gausala&nbsp;Branch</td>
		</tr>
		<tr>
			<td>22</td>
			<td>Tokha&nbsp;Branch</td>
			<td>22</td>
			<td>Bardibas&nbsp;Branch</td>
		</tr>
		<tr>
			<td>23</td>
			<td>Thankot&nbsp;Branch</td>
			<td>23</td>
			<td>Tandi&nbsp;Branch</td>
		</tr>
		<tr>
			<td>24</td>
			<td>Lambagar&nbsp;Branch</td>
			<td>24</td>
			<td>Attariya&nbsp;Branch</td>
		</tr>
		<tr>
			<td>25</td>
			<td>Sinamangal&nbsp;Branch</td>
			<td>25</td>
			<td>Hospital Chowk, Pokhara&nbsp;Branch</td>
		</tr>
		<tr>
			<td>26</td>
			<td>Kamaladi&nbsp;Branch</td>
			<td>26</td>
			<td>Bhairawa&nbsp;Branch</td>
		</tr>
		<tr>
			<td>27</td>
			<td>Thulobharyang&nbsp;Branch</td>
			<td>27</td>
			<td>Hospitalline&nbsp;Branch</td>
		</tr>
		<tr>
			<td>28</td>
			<td>Thali&nbsp;Branch</td>
			<td>28</td>
			<td>Tulsipur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>29</td>
			<td>Suryabinayak&nbsp;Branch</td>
			<td>29</td>
			<td>Rajbiraj&nbsp;Branch</td>
		</tr>
		<tr>
			<td>30</td>
			<td>Budhanilkantha&nbsp;Branch</td>
			<td>30</td>
			<td>Jaleshwor&nbsp;Branch</td>
		</tr>
		<tr>
			<td>31</td>
			<td>Thasikhel&nbsp;Branch</td>
			<td>31</td>
			<td>Mangalpur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>32</td>
			<td>Dhumbarahi&nbsp;Branch</td>
			<td>32</td>
			<td>Vidhyapati&nbsp;Branch</td>
		</tr>
		<tr>
			<td>33</td>
			<td>Kadaghari&nbsp;Branch</td>
			<td>33</td>
			<td>Kalikanagar&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>34</td>
			<td>Manigram&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>35</td>
			<td>Garuda&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>36</td>
			<td>Mahendrachowk&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>37</td>
			<td>Badaiyaatal&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>38</td>
			<td>Barahathawa&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>39</td>
			<td>Damak&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>40</td>
			<td>Krishna Pranami Chowk</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>41</td>
			<td>Lahan&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>42</td>
			<td>Mahendranagar&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>43</td>
			<td>Salakpur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>44</td>
			<td>Damauli Branch</td>
		</tr>
	</tbody>
</table>

<table>
	<tbody>
		<tr>
			<th>&nbsp;</th>
			<th>&nbsp;</th>
			<th>&nbsp;</th>
			<th>&nbsp;</th>
			<th>&nbsp;</th>
		</tr>
		<tr>
			<th>&nbsp;</th>
			<th>Particulars</th>
			<th>&nbsp;</th>
			<th>Fees &amp; Charges</th>
			<th>&nbsp;</th>
		</tr>
		<tr>
			<th>S.N</th>
			<th>Dimension in inches</th>
			<th>Volume (in3)</th>
			<th>Annual Service Charge</th>
			<th>Key Deposit</th>
		</tr>
		<tr>
			<td>1</td>
			<td>H4 W7 D19*</td>
			<td>532</td>
			<td>Rs.3,000 p.a.</td>
			<td>Rs.10,000</td>
		</tr>
		<tr>
			<td>2</td>
			<td>H5 W7 D20</td>
			<td>700</td>
			<td>Rs.3,000 p.a.</td>
			<td>Rs.10,000</td>
		</tr>
		<tr>
			<td>3</td>
			<td>H6 W8 D19</td>
			<td>912</td>
			<td>Rs.3,000 p.a.</td>
			<td>Rs.10,000</td>
		</tr>
		<tr>
			<td>4</td>
			<td>H7 W10 D19</td>
			<td>1330</td>
			<td>Rs.4,000 p.a.</td>
			<td>Rs.12,000</td>
		</tr>
		<tr>
			<td>5</td>
			<td>H6 W16 D19*</td>
			<td>1824</td>
			<td>Rs.4,500 p.a.</td>
			<td>Rs.12,000</td>
		</tr>
		<tr>
			<td>6</td>
			<td>H12 W8 D19*</td>
			<td>1824</td>
			<td>Rs.4,500 p.a.&nbsp;</td>
			<td>Rs.12,000</td>
		</tr>
		<tr>
			<td>7</td>
			<td>H7 W21 D19</td>
			<td>2793</td>
			<td>Rs.5,000 p.a.</td>
			<td>Rs.15,000&nbsp;</td>
		</tr>
		<tr>
			<td>8</td>
			<td>H12 W16 D19*</td>
			<td>3648</td>
			<td>Rs.5,500 p.a.</td>
			<td>Rs.20,000</td>
		</tr>
		<tr>
			<td>9</td>
			<td>H11 W21 D19</td>
			<td>4389</td>
			<td>Rs.7,000 p.a.&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</td>
			<td>Rs.20,000</td>
		</tr>
		<tr>
			<td>10</td>
			<td>H15 W21 D19</td>
			<td>5985</td>
			<td>Rs.8,000 p.a.</td>
			<td>Rs.25,000</td>
		</tr>
	</tbody>
</table>

Locker Break Open/ Replacement of Key&nbsp; &nbsp;Rs.2,000 plus actual cost

<table>
	<thead>
		<tr>
			<td colspan="4" style="text-align: center;">Locker Availing Branches</td>
		</tr>
		<tr>
			<td>S.No</td>
			<td>Inside Valley Branches&nbsp;</td>
			<td>S.No</td>
			<td>Outside Valley Branches</td>
		</tr>
	</thead>
	<colgroup>
		<col />
	</colgroup>
	<tbody>
		<tr>
			<td>1</td>
			<td>Durbarmarg&nbsp;Branch</td>
			<td>1</td>
			<td>Birtamod&nbsp;Branch</td>
		</tr>
		<tr>
			<td>2</td>
			<td>Bhaisepati&nbsp;Branch</td>
			<td>2</td>
			<td>Biratnagar&nbsp;Branch</td>
		</tr>
		<tr>
			<td>3</td>
			<td>Boudha&nbsp;Branch</td>
			<td>3</td>
			<td>Birgunj&nbsp;Branch</td>
		</tr>
		<tr>
			<td>4</td>
			<td>Chabahil&nbsp;Branch</td>
			<td>4</td>
			<td>Butwal&nbsp;Branch</td>
		</tr>
		<tr>
			<td>5</td>
			<td>Dillibazar&nbsp;Branch</td>
			<td>5</td>
			<td>Charikot&nbsp;Branch</td>
		</tr>
		<tr>
			<td>6</td>
			<td>Gwarko&nbsp;Branch</td>
			<td>6</td>
			<td>Dhangadi Branch</td>
		</tr>
		<tr>
			<td>7</td>
			<td>Kalanki&nbsp;Branch</td>
			<td>7</td>
			<td>Hetauda&nbsp;Branch</td>
		</tr>
		<tr>
			<td>8</td>
			<td>Kapan&nbsp;Branch</td>
			<td>8</td>
			<td>Narayanghat&nbsp;Branch</td>
		</tr>
		<tr>
			<td>9</td>
			<td>Koteshwor&nbsp;Branch</td>
			<td>9</td>
			<td>Nepalgunj&nbsp;Branch</td>
		</tr>
		<tr>
			<td>10</td>
			<td>Kuleshwor&nbsp;Branch</td>
			<td>10</td>
			<td>Pokhara&nbsp;Branch</td>
		</tr>
		<tr>
			<td>11</td>
			<td>Kumaripati&nbsp;Branch</td>
			<td>11</td>
			<td>Siddharthangar&nbsp;Branch</td>
		</tr>
		<tr>
			<td>12</td>
			<td>Kupondole&nbsp;Branch</td>
			<td>12</td>
			<td>Surkhet&nbsp;Branch</td>
		</tr>
		<tr>
			<td>13</td>
			<td>Maitidevi&nbsp;Branch</td>
			<td>13</td>
			<td>Dharan&nbsp;Branch</td>
		</tr>
		<tr>
			<td>14</td>
			<td>NarayanGopal Chowk&nbsp;Branch</td>
			<td>14</td>
			<td>Ghorahi&nbsp;Branch</td>
		</tr>
		<tr>
			<td>15</td>
			<td>Naya Baneshwor&nbsp;Branch</td>
			<td>15</td>
			<td>Itahari&nbsp;Branch</td>
		</tr>
		<tr>
			<td>16</td>
			<td>Nayabazar&nbsp;Branch</td>
			<td>16</td>
			<td>Janakpur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>17</td>
			<td>Newroad&nbsp;Branch</td>
			<td>17</td>
			<td>Simalchaur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>18</td>
			<td>Samakhushi&nbsp;Branch</td>
			<td>18</td>
			<td>Kohalpur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>19</td>
			<td>Thahity&nbsp;Branch</td>
			<td>19</td>
			<td>Kanchanbari&nbsp;Branch</td>
		</tr>
		<tr>
			<td>20</td>
			<td>Thapathali&nbsp;Branch</td>
			<td>20</td>
			<td>Sanoshree&nbsp;Branch</td>
		</tr>
		<tr>
			<td>21</td>
			<td>Thimi&nbsp;Branch</td>
			<td>21</td>
			<td>Gausala&nbsp;Branch</td>
		</tr>
		<tr>
			<td>22</td>
			<td>Tokha&nbsp;Branch</td>
			<td>22</td>
			<td>Bardibas&nbsp;Branch</td>
		</tr>
		<tr>
			<td>23</td>
			<td>Thankot&nbsp;Branch</td>
			<td>23</td>
			<td>Tandi&nbsp;Branch</td>
		</tr>
		<tr>
			<td>24</td>
			<td>Lambagar&nbsp;Branch</td>
			<td>24</td>
			<td>Attariya&nbsp;Branch</td>
		</tr>
		<tr>
			<td>25</td>
			<td>Sinamangal&nbsp;Branch</td>
			<td>25</td>
			<td>Hospital Chowk, Pokhara&nbsp;Branch</td>
		</tr>
		<tr>
			<td>26</td>
			<td>Kamaladi&nbsp;Branch</td>
			<td>26</td>
			<td>Bhairawa&nbsp;Branch</td>
		</tr>
		<tr>
			<td>27</td>
			<td>Thulobharyang&nbsp;Branch</td>
			<td>27</td>
			<td>Hospitalline&nbsp;Branch</td>
		</tr>
		<tr>
			<td>28</td>
			<td>Thali&nbsp;Branch</td>
			<td>28</td>
			<td>Tulsipur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>29</td>
			<td>Suryabinayak&nbsp;Branch</td>
			<td>29</td>
			<td>Rajbiraj&nbsp;Branch</td>
		</tr>
		<tr>
			<td>30</td>
			<td>Budhanilkantha&nbsp;Branch</td>
			<td>30</td>
			<td>Jaleshwor&nbsp;Branch</td>
		</tr>
		<tr>
			<td>31</td>
			<td>Thasikhel&nbsp;Branch</td>
			<td>31</td>
			<td>Mangalpur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>32</td>
			<td>Dhumbarahi&nbsp;Branch</td>
			<td>32</td>
			<td>Vidhyapati&nbsp;Branch</td>
		</tr>
		<tr>
			<td>33</td>
			<td>Kadaghari&nbsp;Branch</td>
			<td>33</td>
			<td>Kalikanagar&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>34</td>
			<td>Manigram&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>35</td>
			<td>Garuda&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>36</td>
			<td>Mahendrachowk&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>37</td>
			<td>Badaiyaatal&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>38</td>
			<td>Barahathawa&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>39</td>
			<td>Damak&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>40</td>
			<td>Krishna Pranami Chowk</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>41</td>
			<td>Lahan&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>42</td>
			<td>Mahendranagar&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>43</td>
			<td>Salakpur&nbsp;Branch</td>
		</tr>
		<tr>
			<td>&nbsp;</td>
			<td>&nbsp;</td>
			<td>44</td>
			<td>Damauli Branch</td>
		</tr>
	</tbody>
</table>

Lockers Facility

ASBA

आश्बा

<div>Saving deposit is of top priority in the banking industry today and product with additional and attractive features especially with insurance facilities has become a necessity to attract the&nbsp;individual savings deposit customers. Hence, to enhance the brand of the bank in market and to lure the masses in the Bank seeking insurance facilities, we have focused on this product. Thus, this product is expected to improve the savings deposit base of the bank.</div>

Citizens Samrakshit Bachat Khata

सिटिजन्स संरकछित बचत खाता

This is regarding launching of &ldquo;Citizens Talab Bachat Khata (CTBK)&rdquo; a saving product focused for working profession. This product shall be useful for the various corporate houses to manage the salary of their employees. Saving deposit is of top priority in the banking industry today and corporate/enterprises salary account shall be the major source to improve the savings deposit of the bank.