KATHMANDU, Jan 21: More than 800,000 citizens have been enrolled in the Citizen Investment Trust (CIT). From mid-February 1992 to mid-January 2026, over eight hundred thousand citizens have joined the Trust.
According to CIT Information Officer Uddhav Raj Silwal, a total of 804,500 citizens are currently enrolled in the CIT. He said the CIT’s total fund balance stands at Rs 296 billion, while total investments amount to Rs 295 billion.
The CIT is operating seven different programs. Under the Employee Provident Savings and Retirement Fund, 373,000 participants are enrolled. Similarly, 37,000 participants are part of the Production and Pension Scheme, around 13,500 are enrolled in the Investor and Retirement Fund Scheme, and 14,000 citizens are participating in the Citizen Pension Scheme, according to CIT data.
In addition, 104,000 participants are covered under the civil servants’ insurance scheme, 84,000 under teachers’ insurance, 58,000 under the Nepal Army insurance scheme, 57,000 under the Nepal Police insurance scheme, and 28,000 under the Armed Police Force insurance scheme, the CIT said.
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The Citizen Investment Trust was established with the objective of encouraging public savings, expanding investment opportunities, and bringing dynamism to the capital market to support the country’s economic development. The Trust was established on March 18, 1991 under the Citizen Investment Trust Act, 1991, and formally began operations on February 13, 1992.
To achieve its objectives, the Trust collects savings from the general public, employees and workers of organized institutions, and organizations under various programs, and invests the collected funds in a professional and efficient manner.
The CIT also provides participant loans and credit facilities. Under special loan provisions, participants of the Employee Provident Savings and Retirement Fund can obtain loans of up to 90 percent of their accumulated savings, while participants of the Citizen Pension Scheme and the Production and Investor Account Schemes can receive loans of up to 80 percent of their deposited amount.
Among collateral-based loans, the CIT provides retirement loans, easy loans, and vehicle loans to participants of the Employee Provident Savings and Retirement Fund, Gratuity and Investor Account Scheme, and the Citizen Pension Scheme.
The Citizen Pension Scheme has been introduced to encourage public savings, mobilize such savings for national economic development, and support livelihoods after retirement using savings accumulated during active working years. The scheme is open to Nepali citizens who are not covered by other savings programs of the Trust.
Under the pension scheme, income-earning individuals, employees and workers of legally established institutions, self-employed individuals, as well as non-resident and foreign-employed Nepali citizens are eligible to participate.
Participants can deposit a minimum of Rs 500 per month, while the maximum contribution depends on income capacity and must be in multiples of 10. Deposits can be made on a monthly, quarterly, semi-annual, or annual basis, provided the minimum monthly amount does not fall below Rs 500.
According to Information Officer Silwal, the number of citizens enrolling in the CIT has been increasing steadily, partly due to the expansion of civil service positions. Enrollment in the Citizen Pension Scheme has also been rising.
CIT offices, from the central to provincial levels, have been conducting awareness programs related to the Trust and the pension scheme. Interaction programs are organized two to three times a month in institutions, including schools, and awareness messages are also disseminated through various social media platforms, Silwal said.
