Reliance Finance Ltd.

FinanceMid Cap

NPR 446.00

NPR -1-0.22%

09:14 AM NPT · Aug 11, 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

457.90

High

457.90

Low

446.00

Prev Close

447.00

Volume

11,787

Turnover

Rs 5,297,223.2

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.51

EPS TTM

22.77

BVPS

115.80

P/E Ann.

98.89

P/E TTM

19.59

Graham #

108.40

Capital

Mkt Cap

5.0 Arab

Total

1.12 Crore

Public

54.95 Lakh

Promoter

57.19 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

24.43

ADX

34.43

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

463.42

SMA 50

469.53

Bands & Channels

BB Width %

8.14%

Volume & Flow

OBV

7,532,105

Flow Analysis

[ Live 2026-08-11 ]

Total Buy

105,196

Shares Bought

Total Sell

105,196

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 43%

Distribution 57%

Accumulators

Quantity

33,124

Amount

14,946,812

Avg Rate

451.24

Rank

Brokers

#58#74#39#45

Distributors

Quantity

43,771

Amount

20,091,732

Avg Rate

459.02

Rank

Brokers

#26#88#6

Net Flow Impact:

-10,647units

(Rs. -5,144,919)

Net Flow by Timeframe

RLFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 142,405 ]

Buy Side

Total: 66,526

Broker

QTY

AVG

NET

15,167

450.33

+10,879

14.4%

8,535

452.20

+6,445

8.1%

7,305

461.09

+748

6.9%

5,474

451.94

+4,935

5.2%

3,948

451.68

+3,081

3.8%

3,655

452.97

+239

3.5%

3,546

459.44

+2,903

3.4%

3,310

456.05

+1,700

3.1%

3,104

456.90

+2,994

3.0%

2,750

454.10

+1,300

2.6%

2,659

453.03

+2,659

2.5%

1,950

454.65

+601

1.9%

1,900

475.42

+1,900

1.8%

1,700

452.60

+1,296

1.6%

1,523

457.66

+983

1.4%

Sell Side

Total: 75,879

Broker

QTY

AVG

NET

22,040

458.30

-21,430

20.9%

16,040

460.76

-7,797

15.3%

7,237

451.59

-2,421

6.9%

5,691

456.90

-4,301

5.4%

5,250

446.38

-2,555

5.0%

3,201

460.48

-1,149

3.0%

3,000

452.88

-1,000

2.9%

3,000

448.72

-3,000

2.9%

2,997

447.14

-2,997

2.9%

2,210

451.89

-1,210

2.1%

1,487

454.39

-187

1.4%

991

450.22

-6

0.9%

940

452.86

-940

0.9%

925

446.91

-569

0.9%

870

448.39

-395

0.8%

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	492	-2.62	-0.53%	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	658	+1.51	+0.23%	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	602	+1.98	+0.33%	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	457	0	0%	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	573	+12.61	+2.25%	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	597	-1.98	-0.33%	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	386.9	-1.09	-0.28%	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	761	-10.96	-1.42%	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	623.6	+7.58	+1.23%	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	560.2	-3.89	-0.69%	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	364	0	0%	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	416	-3.02	-0.72%	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	370	-4.99	-1.33%	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	505.6	+2.62	+0.52%	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	526.16	-0.16	-0.05%	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	532.9	-0.54	-0.14%	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	761	12.61	2.25%	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	364	-10.96	-1.42%	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%