Reliance Finance Ltd.

FinanceMid Cap

NPR 412.00

NPR +0.1+0.02%

09:14 AM NPT · Nov 6, 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

414.90

High

414.90

Low

403.20

Prev Close

411.90

Volume

12,785

Turnover

Rs 5,189,836.3

Txns

Valuation · Q4 FY25/26

EPS Ann.

4.51

EPS TTM

4.51

BVPS

116.78

P/E Ann.

91.35

P/E TTM

91.35

Graham #

108.86

Capital

Mkt Cap

4.62 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 Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

44.32

ADX

32.68

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

414.18

SMA 50

421.44

Bands & Channels

BB Width %

5.98%

Volume & Flow

OBV

7,563,738

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

93,566

Shares Bought

Total Sell

93,566

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 31%

Distribution 69%

Accumulators

Quantity

27,874

Amount

11,647,923

Avg Rate

417.88

Rank

Brokers

#22#52#42#58

Distributors

Quantity

61,524

Amount

25,366,812

Avg Rate

412.31

Rank

Brokers

#88#48#74

Net Flow Impact:

-33,650units

(Rs. -13,718,889)

Net Flow by Timeframe

RLFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 141,848 ]

Buy Side

Total: 61,575

Broker

QTY

AVG

NET

10,510

423.81

+10,510

11.2%

7,094

409.22

+3,792

7.6%

6,080

415.51

+6,080

6.5%

4,867

410.26

+1,806

5.2%

4,536

409.07

+3,575

4.8%

4,455

411.00

+3,430

4.8%

4,190

421.10

+4,120

4.5%

3,955

408.00

+3,255

4.2%

3,078

405.59

+3,078

3.3%

2,914

410.01

+2,687

3.1%

2,200

406.80

+1,200

2.4%

2,031

409.90

+2,031

2.2%

101

2,000

409.05

+2,000

2.1%

1,865

413.81

+1,681

2.0%

1,800

404.42

+1,800

1.9%

Sell Side

Total: 80,273

Broker

QTY

AVG

NET

47,157

410.48

-39,688

50.4%

8,101

416.48

-5,015

8.7%

6,266

420.68

-3,746

6.7%

3,428

421.67

-3,428

3.7%

2,615

411.49

-1,515

2.8%

2,400

407.61

-70

2.6%

2,286

410.44

-2,026

2.4%

1,500

417.23

-1,380

1.6%

1,400

419.14

-1,400

1.5%

1,260

423.46

-257

1.4%

1,010

415.62

-900

1.1%

1,000

417.60

-1,000

1.1%

780

419.23

-580

0.8%

588

424.44

-488

0.6%

482

433.00

-482

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	349,826	313,792	326,199	0	+11.48%
Money at Call & Short Notice	484,047	334,495	313,221	0	+44.71%
Due from NRB	484,047	334,495	313,221	0	+44.71%
Placement with B/FIs	0.00	0.00	0.00	0	-
Loans & Advances
Loans and Advances	9,100,859	6,807,409	6,276,590	0	+33.69%
Loans & Advances to B/FIs	3,489	70,037	353,071	0	-95.02%
Loans & Advances to Customers	9,097,370	6,737,372	5,923,519	0	+35.03%
Investments
Investment Securities	2,023,403	1,921,196	2,339,336	0	+5.32%
Investment in Subsidiaries	0.00	0.00	0.00	0	-
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	162,263	210,874	210,406	0	-23.05%
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	35,703	34,816	34,949	0	+2.55%
Deferred Tax Assets	0.00	2377.00	5658.00	0	-100.00%
Goodwill and Intangible Assets	2,917	1,093	1,645	0	+166.88%
Property & Equipment	320,055	300,793	309,813	0	+6.40%
Other Assets	83,598	104,836	96,566	0	-20.26%
Total Assets	12,524,051	9,993,395	9,872,131	0	+25.32%
Liabilities
Borrowings & Funding
Borrowings	132,830	245,896	649,349	0	-45.98%
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	132,830	245,896	324,999	0	-45.98%
Due to NRB	0.00	0.00	324350.00	0	-
Deposits	10,975,776	8,392,617	7,901,226	0	+30.78%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	5,192	8,384	2,512	0	-38.07%
Other Liabilities	100,642	111,906	165,840	0	-10.07%
Other Liabilities & Provisions	105,834	120,290	168,352	0	-12.02%
Total Liabilities	11,214,440	8,758,802	8,718,927	0	+28.04%
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	338,085	311,042	338,709	0	+8.69%
Reserves & Surpluses	188,159	113,141	31,752	0	+66.30%
Retained Earnings	-151,067	-199,042	-308,098	0	+24.10%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	1,309,611	1,234,593	1,153,204	0	+6.08%
Total Liabilities & Equity	12,524,051	9,993,395	9,872,131	0	+25.32%

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	455	+0.09	+0.02%	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	598	-7.02	-1.16%	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	560.1	+2.29	+0.41%	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	418	-0.8	-0.19%	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	498	-3.01	-0.6%	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	610	+4	+0.66%	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	274.2	-3.81	-1.37%	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	680	+2.98	+0.44%	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%
MPFL	570	+0.4	+0.07%	0	0.06	121.76	64.49%	5.15	8.91	8.91	156.24	4.54	3.59	20.58	3.3%	4.88	66.67	0.5	67.12	13.73	1.27	1.27%	7.18	7.18%
NFS	479	+1	+0.21%	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	324.5	-0.49	-0.15%	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	375	+2.2	+0.59%	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%
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	467	+2	+0.43%	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	477.06	-0.01	-0.05%	0	0.065	125.16	72.05%	-44.69	10.11	10.7	193.87	4.34	4.03	13.24	11.78%	4.438	295.13	3.984	55.763	9.321	0.85	0.99%	16.91	17.94%
MED	473	0.24	0.05%	0	0.065	122.67	70.07%	6.65	8.38	8.63	150.68	4.4	3.58	14.22	7.18%	4.51	55.47	1.01	45.295	7.435	0.93	1.01%	7.29	9.36%
MAX	680	4	0.66%	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	274.2	-7.02	-1.37%	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%