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Government Bonds in Nepal:

Treasury Bills (T-Bills) are short-term government securities issued by Nepal Rastra Bank for 28, 91, 182, or 364 days. They're sold at a discount and redeemed at face value, making them ideal for short-term investors seeking low-risk returns. The interest rate is determined through auction.

Development Bonds are long-term government securities (typically 5-15 years) issued to finance infrastructure and development projects. They offer fixed interest rates paid semi-annually or annually, providing steady income for long-term investors. These bonds are tradable in the secondary market.

Citizen Saving Certificate is designed for individual Nepali citizens with a 5-year maturity period. It offers competitive interest rates (currently around 9-11% annually) with tax benefits. Interest is paid annually, and premature withdrawal is allowed with penalty after one year. Maximum investment limit applies per individual.

Foreign Employment Bond is specifically targeted at Nepali workers abroad and their families. It has a 5-year maturity with attractive interest rates (typically higher than regular savings). This bond aims to channel remittances into productive national investment while offering secure returns to migrant workers.

All these instruments are backed by the Government of Nepal, making them virtually risk-free investment options with varying liquidity and return profiles suitable for different investor needs.