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Civil Service Insurance


To minimize the financial risk to the dependent of government employees caused by their death and to secure their retirement life, on approval of Nepal Government Citizen investment Trust has been running the insurance fund project since Nepali calendar year 2062/63.It is mandatory to all Government Employees to contribute Rs. 200 from their monthly salary and the same amount Rs. 200 is added up by Nepal Government as insurance premium to the Insurance Fund. Citizen Investment Trust has facilitating to insured the general life insurance of insured sum Rs. 100,000 for twenty years life from insurance fund and has providing the insurance benefit as mentioned on the Civil Service Act 2049 (Sec.40.a).

Interest Rate

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) 6.5%
Insurance Fund (Nepalese Army) 6.5%
Insurance Fund (Armed Police Force) 6.5%
Insurance Fund (Nepal Police) 6.5%
Citizen Unit Scheme (Individual) 8%
Citizen Unit Scheme (Corporate) 8%
Investors A/C Scheme As per income
Gratuity Fund Scheme As per income