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Teacher’s Insurance


Two years after the introduce of government employees insurance fund , since Nepali calendar year 2064/65 Citizen Investment Trust has been running the Teacher Insurance Fund Project under mutual agreement with Nepal Government Ministry of Education. The objective of the project is to minimize the financial risk to the dependent of teachers caused by their death and to secure their retirement life. It is mandatory to all Community School Teachers 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 life insurance of insured sum Rs. 100,000 for twenty years life from insurance fund.

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