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Citizen Unit Scheme


CIT is providing buyback facilities at its own premises to facilitate for liquidity of the units.

Securities Board of Nepal regulates the Unit Trust Scheme.

CIT operates this scheme under the investment trust concept. A separate trust committee has been formed to look after the policy matters and operational aspects, which consists expert representation also from outside the organization.

Interest Schemes

Scheme Interest
ESG Retirement Fund (Deposit) 7.5%
ESG Retirement Fund (80% Loan) 9%
Housing Loan 9.5%
Easy Loan 10%
Insurance Fund (Civil Service) 6.5%
Insurance Fund (Teachers) 6.5%
Insurance Fund (NARC) 6%
Insurance Fund (Nepalese Army) 4.5%
Insurance Fund (Armed Police Force) 4%
Insurance Fund (Nepal Police) 4%
Citizen Unit Scheme (Individual) 8%
Citizen Unit Scheme (Corporate) 5.5%
Investors A/C Scheme As per income
Gratuity Fund Scheme As per income