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>

Eligibility Criteria:

<ul>
	<li>Any Nepalese citizen aged between 18 years upto75 years.</li>
	<li>Any business unit in operation registered with government entity.</li>
	<li>Shares of Companies listed in NEPSE &amp; as per Bank&rsquo;s acceptable list of shares.</li>
</ul>

<div>योग्यताः&nbsp;</div>

<ul>
	<li>आवेदकको न्यूनतम उमेर १८ बर्ष र कर्जा समाप्तिको अवधिसम्म अधिकतम उमेर ७५ बर्ष</li>
	<li>बैंकले स्वीकृति दिन तोकेका नेपाल स्टक एक्सचेञ्ज (नेप्से)मा सूचिमा कम्पनीहरुका शेयर</li>
</ul>

Purpose:	To meet financial obligations for investment in shares/Mutual fund/Debenture or refinancing the existing investment made in shares.
Nature:	Revolving and Non-Revolving (Demand Loan)
Loan Size:	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)
Tenure:	1 year for revolving and non-revolving facility
	Pledge over the acceptable ordinary shares Maximum drawdown shall be 70% of the eligible value of the shares. Pledge over the acceptable promoter shares Maximum drawdown shall be 50% of the eligible value of the shares Pledge over the acceptable mutual fund/Debenture Maximum drawdown shall be 50% of the face value of Mutual fund/Debenture (Drawdown criteria shall be subject to the NRB guidelines from time to time or as specified by us.)

Citizens Margin Lending