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Investor’s Accounts


This is also a kind of retirement schemes. Institutions can participate in this scheme making their long-term liabilities other than pensions / gratuities funds funded. The objectives of this scheme are to facilitate institutions to make their liabilities like welfare funds, Insurance funds and similar nature of other funds fully funded.

The procedures for participation and operation are the same to the Pension / Gratuity Schemes.

Investor’s Account Schemes are carried out under two different models. The first model is operated under the approach of retirement schemes. The another model operates under only the concept of Investment Trust i.e. ‘Portfolio Management Services’. However both the schemes are conducted according to investment trust concept. CIT charges a minimum amount of service charge as management fee on the management of the funds.

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