Citizens Bank Agriculture Loan: What Documents Do You Need to Apply? (2026)

Citizens Bank Agriculture Loan: What Documents Do You Need to Apply? (2026)'s agriculture loan starts at 7.99% p.a. for Asar 2083 (June 2026). In Nepal a floating loan rate = base rate + a premium; below are the rate, a worked EMI, and what lenders check.

Citizens Bank Agriculture Loan: What Documents Do You Need to Apply? (2026) agriculture loan — rate and how it's priced

Loan	Effective rate (from)	How it's priced
Home	7.99%	7.99% (fixed)
Home	8.49%	8.49% (fixed)
Sme	8.50%	8.50% (fixed)
Home	8.99%	8.99% (fixed)
Working_Capital	9.00%	9.00% (fixed)
Sme	9.19%	8.19% + 1.00%
Auto	9.50%	9.50% (fixed)
Education	9.50%	9.50% (fixed)
Auto	10.00%	10.00% (fixed)
Hire_Purchase	10.00%	10.00% (fixed)

Worked EMI example

On a Rs 30.00 lakh agriculture loan over 15 years at 7.99%, the EMI is about Rs 28,652 per month, with total interest of roughly Rs 21.57 lakh. Compare against the whole market on the loan page and try your own numbers on the EMI calculator.

How the rate is built, and what lenders check

Most Nepali loans are floating: rate = the bank's base rate + a fixed premium, resetting when the base rate moves with NRB policy. Lenders also weigh your income and repayment capacity, the collateral value and loan-to-value (LTV) limit, your credit history, and the tenure. A longer tenure lowers the EMI but raises total interest.

How we sourced these figures

Every rate on this page is taken from each institution's published rate sheet for the Asar 2083 (June 2026) period and cross-checked against Nepal Rastra Bank (NRB) disclosures. We re-verify the numbers each Nepali month, and the comparison table and the figures quoted in the text are generated from the same dataset — so they always agree. You can explore the live, filterable data on the BFIS Compare comparison page.

Related comparisons

• All banks' agriculture loan rates
• Base rates
• EMI calculator

Rates are revised every Nepali month and can change. Figures are for Asar 2083; always confirm the current number on the BFIS Compare comparison page before you apply.

Agriculture Loan at Citizens Bank International: Financing Nepal's Farms and Agri-Enterprises

An agriculture loan from Citizens Bank International is purpose-built credit for farmers, agri-entrepreneurs, cooperatives and agro-processing businesses. Because Nepal Rastra Bank (NRB) treats agriculture as a priority sector, Citizens Bank International is required to channel a defined share of its total lending into farming and allied activities. That policy backdrop matters to you: it means agriculture applications are actively encouraged, and eligible borrowers may access subsidised (interest-subsidy) loan schemes under NRB and Government of Nepal programmes, where a portion of the interest cost is borne by the state rather than the borrower.

These loans fund the full farm cycle: buying seed, fertiliser, livestock, poultry, fisheries and beehives; installing irrigation, cold storage or a greenhouse; purchasing tractors and equipment; and running working capital for agro-processing units. As a commercial bank, Citizens Bank International typically structures the facility either as a seasonal working-capital limit or as a term loan repaid through EMIs, matched to the productive life of the asset.

Collateral lending vs group (collateral-free) lending

Citizens Bank International generally offers two routes. The first is collateral-based lending, secured against land, farm buildings or other property, which supports larger ticket sizes for mechanisation, orchards or commercial sheds. The second is group or cooperative lending, where smallholders borrow collectively and the group's joint liability substitutes for physical security. Group lending widens access for farmers who lack registered land titles, while collateral loans reward those who can pledge assets with higher limits and longer tenors.

Seasonal and cash-flow-based repayment

Unlike a salaried EMI, farm income is lumpy and seasonal — it arrives at harvest or when livestock is sold. Good agriculture lending recognises this. Citizens Bank International can align instalments to your crop calendar through bullet or balloon repayments after harvest, quarterly or half-yearly instalments, or a grace (moratorium) period on principal while an orchard or herd matures. Discuss your real production cycle upfront so the schedule fits when cash actually comes in, not an arbitrary monthly date.

Eligibility & documents

To qualify, you generally need to be engaged in a genuine agricultural or agri-business activity within Citizens Bank International's service area and meet standard KYC norms. Prepare to submit:

• Citizenship certificate and recent photographs (of all borrowers and guarantors);
• Land ownership certificate (lalpurja), or a valid lease/tenancy agreement for the farmland;
• Firm/cooperative registration, PAN and, where applicable, agriculture or business licences;
• A simple project or farm plan showing costs, expected yield, prices and repayment capacity;
• Bank statements or informal income records, plus quotations for equipment, livestock or inputs being financed;
• For group loans, the cooperative's records, member list and internal lending rules.

Interest on agriculture loans, like other loans, is priced as Citizens Bank International's published Base Rate plus a premium. Ask specifically whether your activity qualifies for an NRB-recognised interest-subsidy scheme, as this can materially lower your effective cost.

How to get the best deal

• Confirm subsidy eligibility first. Check whether your crop, livestock or enterprise appears on the subsidised-loan list before you finalise the loan type.
• Match tenor to the asset. Short cycles (vegetables, poultry) suit seasonal limits; orchards, cold stores and machinery justify longer term loans.
• Negotiate a grace period for ventures that take a season or two to generate income.
• Keep clean records. Even basic sales notebooks strengthen your case and speed renewals.
• Insure the risk. Crop and livestock insurance protects both your repayment ability and your collateral.

Pitfalls and who it suits

Avoid borrowing beyond what your realistic yield can service, and never let a subsidy scheme tempt you into an oversized loan. Read the security and default terms carefully — pledged land is genuinely at risk if repayment fails. An agriculture loan at Citizens Bank International suits committed farmers, returning migrant workers reinvesting in agri-ventures, cooperatives and agro-processors who have a workable plan and want financing that respects the rhythm of the growing season.