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Gratuity and Pension


The basic intention behind the operation of this scheme is to facilitate the organizations long-term liabilities by fully funding it. In doing so, the organizations are relieved from the heavy financial burden that they might posses in the near future. Under this scheme, employee’s liabilities towards the organizations are deposited. The employees are assured for their benefits at the time of retirement or post-retirement since the equivalent amount of the liabilities are funded and separated from the institutions. And thus the segregated amount is deposited in CIT.

Organizations and Institutions can deposit such funds in CIT when the liabilities are created in the account of the organizations.This scheme also operates as a retirement scheme.

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