Quick answer
Citizens Bank International's rates on its rate sheet from 18 Oct 2026: 2.75% on a normal savings account (up to 3.75% on its best-paying one), 2.85% on a one-year FD and 3.85% for 24 months and above. Loans are its base rate, 4.91%, plus a premium: home loan 4.91–7.41% and personal loan 4.91–8.91%.
Citizens Bank International's interest rates for 1 Kartik 2083: its fixed deposit and saving rates, the base rate its loans are priced on, every loan rate it publishes, and what a home loan costs a month. Read from the bank's own sheet on 5 November 2026.
On this page
- Citizens Bank International interest rates at a glance, 1 Kartik 2083
- Citizens Bank International loan interest rates
- Citizens Bank International's loan rates as it words them
- EMI on a Citizens Bank International home loan
- How Citizens Bank International's rates sit among the 20 banks
- Where these figures come from
- Other banks' interest rates
Citizens Bank International interest rates at a glance, 1 Kartik 2083
Every figure is from Citizens Bank International's own published rates, read on 5 November 2026. Rates are a year, before the 6.00% tax the bank keeps from interest it pays you.
| Rate | Citizens |
|---|---|
| Base rate | 4.91% |
| Fixed deposit, 1 year | 2.85% |
| Fixed deposit, highest (24 months and above) | 3.85% |
| Savings, normal | 2.75% |
| Savings, highest | 3.75% |
| Home loan | 4.91–7.41% |
Citizens Bank International loan interest rates
Most of Citizens Bank International's loans are priced at its base rate, 4.91%, plus a premium the bank sets for each borrower inside the range it publishes. The base rate is recalculated every month, so a floating loan's rate moves with it; the premium may not be raised during the loan except as Nepal Rastra Bank's rules allow.
| Loan | Rate a year |
|---|---|
| Home loan | 4.91–7.41% |
| Personal loan | 4.91–8.91% |
| Auto loan | 4.91–7.41% |
| Education loan | 4.91–7.91% |
| Mortgage loan | 4.91–7.91% |
| Gold loan | 4.91–8.91% |
| Share loan | 4.91–7.66% |
| SME loan | 4.91–7.41% |
Citizens Bank International's loan rates as it words them
The premium ranges and any fixed-rate offers, as Citizens Bank International prints them:
- Citizens Home Loan: base rate + up to 2.50%. Fixed 5.99% (Sajilo Ghar Loan, 5 years) to 10.00% (16 years and above)
- Citizens Bina Dhito Karja (no collateral): base rate + up to 4.00%; fixed 10.50%
- Citizens Auto Loan (private): base rate + up to 2.50%. Fixed 5.99% for 3 years; 9.50–10.00% by term
- Citizens Education Loan: base rate + up to 3.00%; fixed 9.50–10.50% by term
- Citizens Mortgage Loan (term): base rate + up to 3.00%; fixed 9.50–10.50%
- Citizens Gold Loan: base rate + up to 4.00%
- Citizens Margin Lending: base rate + up to 2.75%
- Citizens SME Loan: base rate + up to 2.50%
EMI on a Citizens Bank International home loan
At the bottom and the top of Citizens Bank International's home loan range, 4.91–7.41%, over 20 years. Where you land depends on the premium the bank sets for you; the instalment changes when the base rate does. The EMI calculator works any amount, rate and term.
| Loan | EMI at 4.91% | EMI at 7.41% |
|---|---|---|
| Rs 10,00,000 | Rs 6,550 | Rs 8,001 |
| Rs 25,00,000 | Rs 16,375 | Rs 20,002 |
| Rs 50,00,000 | Rs 32,750 | Rs 40,005 |
How Citizens Bank International's rates sit among the 20 banks
Its floating home loan, 4.91–7.41%, against 4.51–9.84% across the 19 banks that publish one (an average of 5.43–7.65%). A lower bottom rate matters only if the bank offers it to you: ask for the premium in writing.
Its base rate, 4.91%, against Nepal Rastra Bank's average for commercial banks of 4.70% (mid-September 2026). A one-year FD here pays 2.85% and its best FD 3.85%; the FD calculator has every bank's rate side by side. The full comparison, product by product, is on the bank interest rates page. We are not licensed advisers; this is not a recommendation of any bank.
Where these figures come from
Citizens Bank International's own rate pages: ctznbank.com/interest-rate/loan-interest-rate, effective 18 Oct 2026. Fixed deposit rates from 1 Kartik 2083 (18 Oct 2026).
Banks publish new rates each month, usually from the 1st of the Nepali month. Check the bank's sheet, or ask the branch, before you sign.
Other banks' interest rates
- Agricultural Development Bank: FD up to 4.15%, home loan 4.59–7.59%
- Everest Bank: FD up to 3.75%, home loan 5.18–7.18%
- Global IME Bank: FD up to 4.00%, home loan 5.61–7.61%
- Himalayan Bank: FD up to 4.00%, home loan 5.59–9.09%
- Kumari Bank: FD up to 3.40%, home loan 5.83–7.83%
- Laxmi Sunrise Bank: FD up to 4.00%, home loan 5.38–7.38%
- Machhapuchchhre Bank: FD up to 4.50%, home loan 5.42–7.42%
- Nabil Bank: FD up to 3.75%, home loan 4.91–6.91%
- Nepal Bank: FD up to 4.15%, home loan 6.80%
- Nepal Investment Mega Bank: FD up to 3.70%, home loan 4.51–6.51%
- Nepal SBI Bank: FD up to 4.00%, home loan 5.58–7.58%
- NIC Asia Bank: FD up to 4.00%, home loan 6.99%
- NMB Bank: FD up to 4.50%, home loan 5.45–7.45%
- Prabhu Bank: FD up to 4.25%, home loan 5.68–8.93%
- Prime Commercial Bank: FD up to 4.00%, home loan 4.84–9.84%
- Rastriya Banijya Bank: FD up to 4.00%, home loan 5.96–6.46%
- Sanima Bank: FD up to 4.50%, home loan 6.10–8.10%
- Siddhartha Bank: FD up to 3.76%, home loan 4.88–7.88%
- Standard Chartered Bank Nepal: FD up to 3.70%, home loan 5.96–7.46%
Common questions
What is the Citizens Bank International fixed deposit interest rate in 2083?
From 1 Kartik 2083 (18 Oct 2026), 2.85% for a one-year FD (6 to 12 months) and 3.85%, its highest individual rate, for 24 months and above. The bank keeps back 6% of the interest as tax.
What is the Citizens Bank International saving account interest rate?
2.75% on a normal savings account, and up to 3.75% on International Remittance Saving Account, on its rate sheet from 18 Oct 2026. After the 6% tax, Rs 1 lakh for a year at 2.75% leaves Rs 2,610.
What is the Citizens Bank International home loan interest rate?
4.91–7.41% (base rate + up to 2.50%), or fixed at 5.99–10.00%, on its rate sheet from 18 Oct 2026. Citizens Home Loan: base rate + up to 2.50%. Fixed 5.99% (Sajilo Ghar Loan, 5 years) to 10.00% (16 years and above).
What are Citizens Bank International's other loan interest rates?
Personal loan: 4.91–8.91% (base rate + up to 4.00%), or fixed at 10.50%; Auto loan: 4.91–7.41% (base rate + up to 2.50%), or fixed at 5.99–10.00%; Education loan: 4.91–7.91% (base rate + up to 3.00%), or fixed at 9.50–10.50%; Gold loan: 4.91–8.91% (base rate + up to 4.00%); Share loan: 4.91–7.66% (base rate + up to 2.75%). Where you land in a range depends on the premium the bank sets for you.
What is the Citizens Bank International base rate?
4.91% (average base rate, Ashwin 2083); the figure for Ashwin 2083 alone was 4.87%. NRB's average for commercial banks was 4.70% in mid-September 2026. Floating loans move with it each month.
What is the EMI on a Rs 50 lakh home loan from Citizens Bank International?
Rs 32,750 to Rs 40,005 a month over 20 years across its floating range of 4.91–7.41%, depending on your premium. A floating rate changes as the base rate does.
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