Reliance Finance Ltd.

FinanceMid Cap

NPR 424.00

NPR +1.1+0.26%

09:14 AM NPT · Sep 24, 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

401.80

High

426.40

Low

401.80

Prev Close

422.90

Volume

7,669

Turnover

Rs 3,245,482.3

Txns

Valuation · Q4 FY25/26

EPS Ann.

4.51

EPS TTM

4.51

BVPS

116.78

P/E Ann.

94.01

P/E TTM

94.01

Graham #

108.86

Capital

Mkt Cap

4.75 Arab

Total

1.12 Crore

Public

54.95 Lakh

Promoter

57.19 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

53.13

ADX

36.11

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

425.07

SMA 50

444.31

Bands & Channels

BB Width %

5.99%

Volume & Flow

OBV

7,490,611

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

55,682

Shares Bought

Total Sell

55,682

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 44%

Distribution 56%

Accumulators

Quantity

14,738

Amount

6,320,310

Avg Rate

428.84

Rank

Brokers

#36#49#68#53

Distributors

Quantity

18,482

Amount

7,880,050

Avg Rate

426.36

Rank

Brokers

#42#88

Net Flow Impact:

-3,744units

(Rs. -1,559,739)

Net Flow by Timeframe

RLFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 77,388 ]

Buy Side

Total: 38,036

Broker

QTY

AVG

NET

5,687

431.67

+5,322

10.2%

4,500

422.43

+2,248

8.1%

3,771

424.95

+3,394

6.8%

3,403

426.21

+1,923

6.1%

2,780

428.53

+2,780

5.0%

2,772

425.67

+590

5.0%

2,665

430.73

+515

4.8%

2,500

428.63

+2,500

4.5%

2,250

426.68

+872

4.0%

1,700

423.94

+1,241

3.0%

1,528

425.64

+1,508

2.7%

1,517

424.26

+1,117

2.7%

1,245

428.77

+863

2.2%

903

423.18

+13

1.6%

815

430.38

+815

1.5%

Sell Side

Total: 39,352

Broker

QTY

AVG

NET

13,020

425.14

-11,020

23.4%

5,462

429.27

-4,802

9.8%

2,730

421.49

-2,730

4.9%

2,603

431.01

-688

4.7%

2,133

427.26

-2,113

3.8%

2,050

422.71

-1,550

3.7%

1,620

426.29

-1,120

2.9%

1,500

427.90

-890

2.7%

1,445

431.81

-1,245

2.6%

1,302

423.52

-21

2.3%

1,273

429.25

-1,223

2.3%

1,110

428.65

-1,110

2.0%

1,102

426.60

-32

2.0%

1,002

423.88

-1,002

1.8%

1,000

422.54

-500

1.8%

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	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%
MPFL	588	-2.01	-0.34%	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	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%
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	487.81	1.12	0.31%	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	487.65	0.65	0.12%	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	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%