As per the news posted in sharesansar.com, 24% of the IPO of Upper Tamakoshi will be issued to employees of Upper Tamakoshi, contributors and employees of Employees Provident Fund (EPF), Nepal Electricity Authority (NEA), Nepal Telecom (NT), Citizen Investment Trust (CIT) and Rastriya Beema Sansthan (RBS).

Does the contributor of CIT include the people have monthly saving in CIT?