Multipurpose Finance Company Limited

FinanceLow Cap

NPR 588.00

NPR -2-0.34%

09:14 AM NPT · Sep 24, 2026

Est. 2054 B.S. · Rajbiraj, Saptari, Nepal (Corporate Office: Janakpurdham-4, Dhanusha) · CEO: Rajnish Kumar Singh

Multipurpose Finance Limited is a financial institution in Nepal, classified as a “Class-C” finance company licensed by Nepal Rastra Bank (NRB). It was established in the year 2054 B.S. (in Nepali calendar). MPFL operates with its headquarter in Rajbiraj, Saptari, and its corporate office in Janakpurdham-4, Dhanusha. MPFL provides a variety of financial services to its customers, including savings and fixed-deposit accounts, different types of savings schemes (General Saving, Super Saving, Narikalyan Saving, Balbachat Saving, Jestha Nagarik Saving), and various loan products such as housing loans, agriculture loans, personal loans, loans against fixed deposits, hire-purchase loans, and business loans. In addition to traditional banking-type services, MPFL also supports digital banking channels: customers can use services like inter-bank payments, online fund transfers, and mobile/SMS banking (including via its “MPFL Smart App”) for convenient access, reflecting the company’s push towards modern, accessible financial services. MPFL positions itself as a finance company committed to financial inclusion, good corporate governance, risk management, and corporate social responsibility aiming to serve not only its customers, but also contribute to economic welfare and development in its region, especially in Madhesh Province.

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Trading

Open

582.00

High

589.70

Low

579.10

Prev Close

590.00

Volume

4,698

Turnover

Rs 2,746,237.3

Txns

Valuation · Q4 FY25/26

EPS Ann.

8.91

EPS TTM

8.91

BVPS

121.76

P/E Ann.

65.99

P/E TTM

65.99

Graham #

156.24

Capital

Mkt Cap

3.59 Arab

Total

61.02 Lakh

Public

29.9 Lakh

Promoter

31.12 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

51.22

ADX

41.83

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

589.19

SMA 50

606.11

Bands & Channels

BB Width %

11.76%

Volume & Flow

OBV

6,475,639

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

51,516

Shares Bought

Total Sell

51,516

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 57%

Distribution 43%

Accumulators

Quantity

22,902

Amount

13,637,000

Avg Rate

595.45

Rank

Brokers

#26#58

Distributors

Quantity

17,285

Amount

10,282,643

Avg Rate

594.89

Rank

Brokers

#32#7#22#25

Net Flow Impact:

+5,617units

(Rs. 3,354,357)

Net Flow by Timeframe

MPFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 71,743 ]

Buy Side

Total: 42,929

Broker

QTY

AVG

NET

18,560

595.62

+15,260

36.0%

6,399

589.21

+1,404

12.4%

4,536

587.28

+1,536

8.8%

4,342

594.72

+1,991

8.4%

1,610

589.48

+1,340

3.1%

1,437

588.66

+1,250

2.8%

1,035

604.98

+504

2.0%

840

599.22

+570

1.6%

730

599.33

+258

1.4%

710

585.78

+460

1.4%

670

603.77

+655

1.3%

650

595.00

+650

1.3%

600

593.00

+600

1.2%

510

587.26

+500

1.0%

300

585.25

+225

0.6%

Sell Side

Total: 28,814

Broker

QTY

AVG

NET

7,810

594.85

-4,730

15.2%

5,010

595.27

-4,000

9.7%

2,300

597.22

-2,300

4.5%

2,165

591.67

-1,965

4.2%

1,910

589.51

-1,165

3.7%

1,360

584.73

-1,007

2.6%

1,102

590.46

-1,102

2.1%

1,100

595.92

-1,100

2.1%

1,020

597.55

-105

2.0%

988

598.92

-945

1.9%

870

598.26

-460

1.7%

853

591.81

-853

1.7%

850

593.51

-850

1.6%

800

588.75

-770

1.6%

676

603.87

-490

1.3%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	181,380	315,621	561,142	0	-42.53%
Money at Call & Short Notice	179,586	145,101	68,288	0	+23.77%
Due from NRB	179,586	145,101	68,288	0	+23.77%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	2,337,650	1,888,126	1,445,675	0	+23.81%
Loans & Advances to B/FIs	0.00	0.00	0.00	0	-
Loans & Advances to Customers	2,337,650	1,888,126	1,445,675	0	+23.81%
Investments
Investment Securities	1,530,195	1,306,025	292,862	0	+17.16%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	52,233	16,388	11,623	0	+218.72%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	6,556	12,277	3,840	0	-46.60%
Deferred Tax Assets	0.00	2448.83	2966.75	0	-100.00%
Goodwill and Intangible Assets	3,612	1,140	1,539	0	+216.87%
Property & Equipment	219,880	194,254	188,448	0	+13.19%
Other Assets	67,293	108,608	40,828	0	-38.04%
Total Assets	4,568,217	3,974,125	2,608,867	0	+14.95%
Liabilities
Borrowings & Funding
Borrowings	0.00	0.00	0.00	0	-
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	0.00	0.00	0.00	0	-
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	0.00	0.00	0.00	0	-
Due to NRB	0.00	0.00	0.00	0	-
Deposits	3,759,058	3,172,740	1,870,250	0	+18.48%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	5,074	0	0	0	-
Other Liabilities	61,131	32,478	39,951	0	+88.22%
Other Liabilities & Provisions	66,205	32,478	39,951	0	+103.84%
Total Liabilities	3,825,263	3,205,218	1,910,201	0	+19.34%
Equity
Paid Up Capital	610,200	610,200	610,200	0	0.00%
Share Premium	10,541	10,541	10,541	0	0.00%
Reserves & Surpluses
Reserves	92,000	136,057	62,968	0	-32.38%
Reserves & Surpluses	132,754	158,707	88,466	0	-16.35%
Retained Earnings	30,213	12,109	14,957	0	+149.50%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	742,954	768,907	698,666	0	-3.38%
Total Liabilities & Equity	4,568,217	3,974,125	2,608,867	0	+14.95%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q4

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	C/D Ratio%	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
BFC	447	+3.02	+0.68%	0	0.06	113.08	70.53%	6.46	7.84	7.84	141.23	4.1	2.83	15	10.7%	4.55	65.63	0.02	59.18	9.85	0.95	0.95%	6.58	6.58%
CFCL	567.9	+0.91	+0.16%	0.01	0.07	122.15	59.89%	7.58	13.44	13.44	192.19	4.42	4.61	19.95	10.12%	4.98	45.31	1	43.15	9.04	1.35	1.35%	11.38	11.38%
GFCL	577	+2.01	+0.35%	0.01	0.07	211.01	69.3%	7.1	14.96	14.96	266.51	4.21	3.45	13.78	6.27%	2.8	39.45	0.01	38.54	5.44	0.91	0.91%	7.33	7.33%
GMFIL	421	-4.98	-1.17%	0	0.06	157.55	66.24%	5.29	4.56	4.56	127.14	4.34	4.02	7.53	5.2%	2.86	98.68	1.44	94.06	7.43	0.46	0.46%	2.93	2.93%
GUFL	496.4	+0.4	+0.08%	0	0.06	167.43	72.62%	6.68	25.28	25.28	308.6	4.57	5.07	31.55	13.32%	3.23	21.36	0.07	20.17	6.74	1.99	1.99%	16.31	16.31%
ICFC	595	+3.08	+0.52%	0.01	0.07	189.32	85.59%	10.69	22.33	22.33	308.41	4.09	3.35	14.65	1.55%	3.11	26.38	-	27.14	3.87	1.06	1.06%	11.93	11.93%
JFL	285	+5.89	+2.11%	0	0.07	-0.89	93.39%	-721.99	1.35	1.35	-	4.6	7.93	2.62	61.55%	-	283.7	2.06	214.81	7.44	0.19	0.19%	127.85	127.85%
MFIL	764.8	-4.23	-0.55%	0.01	0.08	193.63	82.99%	9.85	27.85	27.85	348.33	4.39	4.44	17.93	3.43%	3.99	27.72	1.38	27.29	4.97	1.37	1.37%	14.87	14.87%
NFS	495	+8.99	+1.85%	0	0.06	123.18	59.71%	4.91	-8.95	-8.95	-	4.55	3.42	-20.62	13.83%	4.51	-62.01	-	-56.31	12.8	-1.27	-1.27%	-6.95	-6.95%
PFL	351	-4.41	-1.24%	0.01	0.05	70.01	66.43%	8.07	13.37	13.37	145.12	4.16	2.92	46.28	20.84%	5.2	27.23	1.02	27.67	12.6	2.54	2.54%	26.59	26.59%
PROFL	391	+7.7	+2.01%	0	0.06	83.84	69.6%	11.52	5.92	5.92	105.68	4.55	3.5	9.25	3.01%	5.16	73.14	-	65.57	6.78	0.59	0.59%	7.25	7.25%
RLFL	424	+1.1	+0.26%	0	0.07	116.78	85.02%	8.56	4.51	4.51	108.86	4.15	3.11	6.44	6.55%	3.85	99.78	5.15	94.68	6.43	0.44	0.44%	3.97	3.97%
SFCL	370	0	0%	0	0.07	60.3	76.56%	6.62	0.12	8.35	106.44	4.58	3.56	0.38	8.09%	8.78	3,308.33	32.34	47.44	22.6	0.03	1.98%	0.2	14.65%
SIFC	480.3	-0.72	-0.15%	0	0.07	139.82	71.39%	6.47	4.62	4.62	120.56	3.68	3.69	6.54	3.74%	3.64	110.17	-	104.85	7.21	0.45	0.45%	3.27	3.27%

AVG	476.1	1.34	0.35%	0	0.066	124.8	73.52%	-44.44	9.8	10.39	189.92	4.31	3.99	12.23	12.01%	4.358	297.49	4.449	57.731	8.8	0.79	0.93%	16.68	17.71%
MED	463.65	1	0.21%	0	0.07	122.67	70.96%	6.89	6.88	8.09	143.18	4.37	3.53	11.52	7.32%	3.99	55.47	1.2	45.295	7.32	0.75	0.93%	7.29	9.36%
MAX	764.8	8.99	2.11%	0.01	0.08	211.01	93.39%	11.52	27.85	27.85	348.33	4.6	7.93	46.28	61.55%	8.78	3,308.33	32.34	214.81	22.6	2.54	2.54%	127.85	127.85%
MIN	285	-4.98	-1.24%	0	0.05	-0.89	59.71%	-721.99	-8.95	-8.95	105.68	3.68	2.83	-20.62	1.55%	2.8	-62.01	0.01	-56.31	3.87	-1.27	-1.27%	-6.95	-6.95%