Reliance Finance Ltd.

FinanceMid Cap

NPR 481.90

NPR -7.1-1.45%

09:14 AM NPT · Jun 26, 2026

Est. July 10, 2006 · Pradarshani Marg, Kathmandu, Nepal · CEO: Samaj Prakash Shrestha

Reliance Finance Limited is a “C” class finance company licensed by the Nepal Rastra Bank (NRB), offering a wide range of financial services to individuals, SMEs, and corporate clients across Nepal. Established with the mission of promoting accessible and reliable financial solutions, the institution provides modern banking products backed by strong governance, technological innovation, and customer-centric service delivery. Headquartered in Kathmandu, Reliance Finance offers comprehensive financial products including savings and deposit schemes, hire-purchase loans, SME and business financing, personal and housing loans, digital banking services, remittance solutions, and investment advisory services. The institution is recognized for its focus on responsible banking, regulatory compliance, and efficient risk management practices. With an expanding service footprint and a commitment to operational excellence, Reliance Finance Limited continues to support financial inclusion, local business growth, and sustainable economic development in Nepal. Leveraging digital platforms and personalized service, it aims to deliver secure, transparent, and modern financial solutions to a diverse customer base.

reliancenepal.com.np/facebook

Trading

Open

489.00

High

495.00

Low

476.50

Prev Close

489.00

Volume

53,781

Turnover

Rs 26,202,314.3

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.51

EPS TTM

22.77

BVPS

115.80

P/E Ann.

106.85

P/E TTM

21.16

Graham #

108.40

Capital

Mkt Cap

5.4 Arab

Total

1.12 Crore

Public

54.95 Lakh

Promoter

57.19 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

45.41

ADX

16.43

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

478.26

SMA 50

453.2

Bands & Channels

BB Width %

12.81%

Volume & Flow

OBV

7,645,239

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

426,748

Shares Bought

Total Sell

426,748

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 64%

Distribution 36%

Accumulators

Quantity

123,472

Amount

61,175,990

Avg Rate

495.46

Rank

Brokers

#88#62#32#74

Distributors

Quantity

68,784

Amount

33,888,169

Avg Rate

492.68

Rank

Brokers

#65#77#34#68#49

Net Flow Impact:

+54,688units

(Rs. 27,287,820)

Net Flow by Timeframe

RLFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 447,676 ]

Buy Side

Total: 283,414

Broker

QTY

AVG

NET

53,141

484.60

+3,710

12.4%

51,898

491.06

+29,781

12.2%

35,922

501.64

+29,628

8.4%

26,387

495.67

+22,637

6.2%

20,571

496.68

+1,680

4.8%

16,834

493.98

+450

3.9%

11,950

495.39

+3,431

2.8%

9,901

492.03

+1,398

2.3%

9,631

496.07

+4,833

2.3%

9,265

495.64

+5,576

2.2%

8,833

487.21

+3,537

2.1%

8,669

491.62

+3,519

2.0%

8,344

493.75

+2,235

2.0%

6,068

488.90

+4,547

1.4%

6,000

498.52

+5,000

1.4%

Sell Side

Total: 164,262

Broker

QTY

AVG

NET

22,496

492.86

-14,013

5.3%

14,213

491.45

-1,844

3.3%

13,150

489.86

-10,321

3.1%

12,696

489.28

-4,785

3.0%

11,516

493.15

-9,513

2.7%

11,191

493.70

-10,191

2.6%

10,431

494.20

-10,411

2.4%

10,215

493.89

-7,034

2.4%

10,205

495.29

-1,916

2.4%

9,574

490.88

-1,155

2.2%

8,826

495.80

-3,616

2.1%

8,453

486.90

-5,014

2.0%

7,874

496.63

-6,182

1.9%

6,737

496.70

-541

1.6%

6,685

496.52

-5,599

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	244,550	283,364	639,850	0	-13.70%
Money at Call & Short Notice	444,515	329,115	271,203	0	+35.06%
Due from NRB	444,515	329,115	271,203	0	+35.06%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	7,948,410	6,409,693	6,038,777	0	+24.01%
Loans & Advances to B/FIs	5,154	156,878	401,567	0	-96.71%
Loans & Advances to Customers	7,943,256	6,252,815	5,637,210	0	+27.03%
Investments
Investment Securities	2,159,198	1,906,014	1,895,825	0	+13.28%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	314,179	218,919	133,970	0	+43.51%
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	18,633	48,314	37,589	0	-61.43%
Deferred Tax Assets	0.00	1269.00	4982.00	0	-100.00%
Goodwill and Intangible Assets	2,617	1,011	1,075	0	+158.85%
Property & Equipment	311,055	298,429	325,568	0	+4.23%
Other Assets	82,240	87,467	89,297	0	-5.98%
Total Assets	11,504,147	9,533,001	9,394,489	0	+20.68%
Liabilities
Borrowings & Funding
Borrowings	141,689	257,821	649,349	0	-45.04%
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	141,689	257,821	324,999	0	-45.04%
Due to NRB	0.00	0.00	324350.00	0	-
Deposits	9,954,198	8,134,236	7,476,536	0	+22.37%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	5,935	3,290	0	0	+80.40%
Other Liabilities	103,663	95,027	165,413	0	+9.09%
Other Liabilities & Provisions	109,598	98,317	165,413	0	+11.47%
Total Liabilities	10,205,485	8,490,374	8,291,298	0	+20.20%
Equity
Paid Up Capital	1,121,452	1,121,452	1,121,452	0	0.00%
Share Premium	1,141	1,141	1,141	0	0.00%
Reserves & Surpluses
Reserves	418,135	413,048	293,766	0	+1.23%
Reserves & Surpluses	177,210	-78,824	-18,261	0	+324.82%
Retained Earnings	-242,066	-493,013	-313,168	0	+50.90%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,298,662	1,042,628	1,103,191	0	+24.56%
Total Liabilities & Equity	11,504,147	9,533,002	9,394,489	0	+20.68%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q3

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	513	-2.01	-0.39%	0	0.07	112.72	68.95%	6.42	8.8	15.28	196.86	4.19	3.43	16.11	13.08%	5.51	52.92	0.33	33.64	15.16	1.11	1.93%	7.87	13.66%
CFCL	619.5	-5.31	-0.85%	0.01	0.07	114.62	58.1%	8.15	5.19	11.5	172.21	4.41	4.83	7.67	14.17%	6.14	101.75	1.04	54.78	13.89	0.52	1.18%	4.71	10.43%
GFCL	630	-2.91	-0.46%	0.01	0.07	207.18	68.56%	8.12	14.28	9.64	211.98	4.06	4.93	11.79	9.86%	4.14	45.04	0.08	69.4	9.45	0.81	0.54%	7	4.72%
GMFIL	471.4	-3.61	-0.76%	0	0.07	168.38	66.08%	4.95	6	4.05	123.87	4.59	4.49	9.33	6.37%	3.77	79.33	2.05	122.35	13.16	0.6	0.41%	3.69	2.5%
GUFL	545	-6.4	-1.16%	0	0.06	157.88	72.52%	6.85	19.89	7.4	162.13	4.53	5.08	25.09	4.28%	4.52	26.9	0.09	78.51	12	1.6	0.59%	12.97	4.83%
ICFC	625	+4.1	+0.66%	0.01	0.07	176.61	83.34%	11.29	11.62	21.38	291.48	4.48	3.32	7.75	2.68%	4.9	55.85	-	30.36	7.7	0.57	1.05%	6.68	12.29%
JFL	401	0	0%	0	0.05	-6.46	96.39%	-104.13	-5.62	-15.65	-	4.6	3.88	-13.66	59.12%	-	-75.62	-	-27.39	18.39	-0.73	-2.06%	-34.19	-95.25%
MFIL	790	+12.21	+1.57%	0.01	0.08	182.2	84.99%	10.13	21.6	26.8	331.46	4.59	4.41	13.8	3.99%	6.14	38.84	1.33	30.03	9.54	1.12	1.39%	12.25	15.21%
MPFL	615.5	-1.48	-0.24%	0	0.06	119.31	59.04%	5.09	1.16	1.15	55.56	4.58	3.28	2.83	7.44%	7.5	578.45	-	558.26	29.1	0.17	0.17%	0.97	0.97%
NFS	580	-5.98	-1.02%	0.01	0.06	122.4	59.08%	4.94	-13.52	-7.55	-	4.57	3.21	-31.78	14.32%	6.72	-45.64	-	-82.12	25.8	-1.96	-1.09%	-10.75	-6%
PFL	366	+2	+0.55%	0	0.07	63.41	66.29%	10.86	9	10.62	123.09	3.86	4.96	16.94	34.34%	8.26	43.67	29.48	36.72	13.16	1.21	1.43%	16.04	18.94%
PROFL	443.3	-6.71	-1.49%	0	0.07	75.05	68.04%	12.58	-3.89	-0.38	-	4.46	3.61	-6.13	5.58%	8.08	-116.97	-	-1,226.32	12.75	-0.4	-0.03%	-5.15	-0.5%
SFCL	366.1	-5.39	-1.45%	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	540	-6.01	-1.1%	0.01	0.07	139.08	72.92%	6.5	3.38	4.62	120.24	3.78	3.49	4.76	4.02%	5.33	164.5	-	123.94	13.94	0.32	0.45%	2.41	3.3%

AVG	536.13	-1.96	-0.44%	0.01	0.067	120.91	71.49%	-0.12	5.57	6.94	172.3	4.38	4.03	4.63	13.38%	6.138	304.1	8.343	-10.743	15.474	0.36	0.57%	1.76	-0.02%
MED	542.5	-3.26	-0.61%	0	0.07	120.86	68.76%	6.73	5.6	7.88	162.13	4.51	3.75	7.71	7.77%	6.14	48.98	1.185	42.08	13.525	0.54	0.57%	4.2	4.78%
MAX	790	12.21	1.57%	0.01	0.08	207.18	96.39%	12.58	21.6	26.8	331.46	4.6	5.08	25.09	59.12%	8.78	3,308.33	32.34	558.26	29.1	1.6	1.98%	16.04	18.94%
MIN	366	-6.71	-1.49%	0	0.05	-6.46	58.1%	-104.13	-13.52	-15.65	55.56	3.78	3.21	-31.78	2.68%	3.77	-116.97	0.08	-1,226.32	7.7	-1.96	-2.06%	-34.19	-95.25%