CIT Retirement Calculator

The Citizen Investment Trust is one of Nepal's oldest organised savers — a statutory trust created in 2047 BS to give salaried Nepalis professionally managed investment vehicles long before mutual funds became a household phrase. Its contributory retirement scheme is the flagship: you commit a percentage of basic salary each month, your employer matches it, and the pooled corpus earns whatever return the board declares for that year.

Because contributions are automatic — deducted at source before the money ever reaches you — the scheme removes willpower from the equation entirely. Members range from civil servants to bank staff to private-company employees whose HR departments enrolled them on day one, many of whom only appreciate the size of the pot when they first download a statement.

No fixed-income instrument in Nepal pays what an employer match pays: the moment your contribution leaves your payslip, a second identical amount appears in the fund. On a Rs 40,000 basic with the common 11% + 11% setup, Rs 4,400 of your money becomes Rs 8,800 of fund money every single month — before a single rupee of interest.

Frame it another way: declining to enrol, or choosing a token slab, means voluntarily refusing free salary. The match alone outperforms fixed deposits, most co-operative schemes and the vast majority of market years — which is why every projection in this tool shows contributions including the employer share.

Run the defaults — Rs 40,000 basic, 11% + 11%, 25 years, 9% — and the fund lands near Rs 99 lakh. The striking part is the composition: roughly Rs 26 lakh of that is deposits, and about Rs 72 lakh is interest the money earned while you were busy working.

That ratio flips over time. In the first year interest is a rounding error; by year fifteen it out-earns the annual deposit; by year twenty-five it dwarfs everything. This is why the worst retirement decision in Nepal is not picking the wrong fund — it is starting ten years late.

Nepal's formal-sector saver juggles three big acronyms. SSF is mandatory for registered employers under the Social Security Act, channelling 31% of basic (11% employee, 20% employer) into pensions, health and accident cover alongside savings. The provident fund tradition runs deep in government service. CIT's contributory scheme competes on flexibility and historically strong declarations.

They are complements, not rivals: SSF buys protection, CIT builds wealth, and the tax code shelters both under the same one-third deduction umbrella. Employees whose employer offers a choice often run CIT at a higher slab precisely because its returns have tended to lead the pack.

Full withdrawal follows retirement or the end of service per your scheme's rules, landing as a single lump sum that represents decades of matched saving. Partial facilities exist along the way — housing construction and purchase are the classic uses, with education and medical grounds available under defined conditions — each governed by the member agreement rather than this calculator's assumptions.

Treat any figure here as the destination marker, not a withdrawal quote. Declared rates move year to year, promotions raise the contribution base mid-journey, and final statements occasionally surprise members upward because of bonus declarations in good market years.