Mobilizing saving, promoting investment and providing capital market services are the main functions of Citizens Investment Trust. It has introduced the scheme of promoting and enhancing saving from the investors in and out of the country through schemes such as citizen unit scheme and mutual fund. Even Nepalis staying out of the country can deposit savings in this scheme. The Trust carries out saving collection for long period through Employees Saving Growth Retirement Scheme, Pension and Gratuity Fund, insurance fund among other things. Savings from the investors are collected under this scheme by maintaining their saving accounts.