Nagarik Lagani Kosh

by Sapana Sharma
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Nagarik Lagani Kosh is also know as Citizen Investment Trust, it is a major player in the Nepal Capital Market. It was established in 1991 (2047 BS) and has been active since 15 January 1992.
The head office of CIT is situated in Newbaneshor, Kathmandu and the branch offices in Biratnagar and Pokhara.

Nagarik Lagani Kosh

Citizen Investment Trust (Nagarik Lagani Kosh Schemes)

Employers Saving Development Pension System is one ofthe key plans that the
employers have implemented. A certain amount of fund is withdrawn from salary and deposited on a monthly basis under this system.The deducted sum is transferred 
by every agency or company to the specified collection centre.Commercial Banks and 
Nepal Rastra Bank subsidiaries are usedin different parts of the countries as approved 
collection centres.That’s a totally voluntary program.This scheme is focused on a Given 
Completely Supported Contributory and an Individual Account Focused Program

Nagarik Lagani Kosh offers buyback facilities for the availability 
of the units at its own premises. 


The Unit Trust Scheme is governed 
by the Securities Board of Nepal. This scheme is run by CIT 
under the principle of investment trust. 
special trust committee was set up to deal with governance concerns 
and organizational problems, and often involves specialist input from outside the organisation.


It’s also kind of savings plan. Institutions may invest in this program having covered 
their long-term commitments rather than pension gratuity accounts. 
The goals of this system was to make it possible for organisations to completely 
cover their obligations such as pension services, protection schemes and related arrangement to other assets. 
Involvement and service processes are similar to Pension Gratuity Schemes. Investor Account systems are managed under two separate structures. 
The first model is run within the retirement schemes strategy.
The core aim behind the implementation of this system is to promote long-term obligations by ensuring complete support for the organizations. By doing so, the organisations would be freed in the immediate term from the tremendous financial pressure they may bear. Under this scheme the liabilities of the employee towards the organizations are deposited


CIT - Interest Schemes

Citizen investment trust (Nagarik lagani kosh) collects deposits and also provides loans at reasonable rates. The process is quiet simple too.

Nagarik Lagani Kosh also contributes both the financial and foreign investors to the domestic and foreign investors, to help people to save their money and investment opportunities, along with the development of the capital market, to support the economic development of the nation.

If you are interested to know more about these offers. Please send an email to

We can also help you with other investment options and also loans from other institutions.

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