Reliance Finance Ltd.

FinanceMid Cap

NPR 430.20

NPR -3.8-0.88%

08:02 AM NPT · May 14, 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

427.00

High

435.00

Low

427.00

Prev Close

434.00

Volume

809

Turnover

Rs 347,240.8

Txns

Valuation · Q2 FY25/26

EPS Ann.

0.31

EPS TTM

14.64

BVPS

112.03

P/E Ann.

1,387.74

P/E TTM

29.39

Graham #

27.95

Capital

Mkt Cap

4.82 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

Very Strong

Momentum

RSI (14)

42.9

ADX

42.8

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

437.23

SMA 50

456.65

Bands & Channels

BB Width %

9.19%

Volume & Flow

OBV

7,315,052

Flow Analysis

[ Live 2026-05-13 ]

Total Buy

48,308

Shares Bought

Total Sell

48,308

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

12,139

Amount

5,284,892

Avg Rate

435.36

Rank

Brokers

#42#58#1#38

Distributors

Quantity

14,218

Amount

6,141,054

Avg Rate

431.92

Rank

Brokers

#14#18

Net Flow Impact:

-2,079units

(Rs. -856,161)

Net Flow by Timeframe

RLFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 66,621 ]

Buy Side

Total: 31,689

Broker

QTY

AVG

NET

3,831

432.14

+1,626

7.9%

3,500

432.81

+2,300

7.3%

3,398

434.42

+2,656

7.0%

2,816

427.08

+16

5.8%

2,791

435.63

+2,663

5.8%

2,450

440.02

+2,292

5.1%

1,940

432.63

+1,175

4.0%

1,900

424.96

+1,900

3.9%

1,700

442.71

+900

3.5%

1,454

429.96

+302

3.0%

1,450

429.37

+1,450

3.0%

1,297

435.70

+1,297

2.7%

1,220

438.57

+762

2.5%

1,195

433.83

+565

2.5%

747

436.68

+241

1.6%

Sell Side

Total: 34,932

Broker

QTY

AVG

NET

10,788

432.17

-10,627

22.3%

3,500

424.47

-2,776

7.3%

3,465

435.57

-850

7.2%

3,430

431.15

-3,160

7.1%

2,120

430.20

-1,175

4.4%

2,000

442.14

-1,900

4.1%

1,822

433.53

-685

3.8%

1,483

442.04

-2

3.1%

1,449

433.80

-184

3.0%

1,125

441.48

-971

2.3%

1,020

432.93

-490

2.1%

1,000

442.01

-1,000

2.1%

999

427.99

-999

2.1%

511

432.66

-391

1.1%

220

431.00

-220

0.5%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	884,639,000	566,531,000	270,989,000	365,428,000	+56.15%
Money at Call & Short Notice	430,108,000	396,092,000	286,275,000	276,249,000	+8.59%
Due from NRB	430,108,000	396,092,000	286,275,000	276,249,000	+8.59%
Placement with B/FIs	0.00	0.00	0.00	0.00	-
Loans & Advances
Loans and Advances	7,239,647,000	6,386,072,000	5,606,998,000	5,669,098,000	+13.37%
Loans & Advances to B/FIs	18,847,000	209,277,000	381,135,000	394,041,000	-90.99%
Loans & Advances to Customers	7,220,800,000	6,176,795,000	5,225,863,000	5,275,057,000	+16.90%
Investments
Investment Securities	1,703,291,000	1,646,201,000	2,004,430,000	2,480,288,000	+3.47%
Investment in Subsidiaries	0.00	0.00	0.00	0.00	-
Investment in Associates	0.00	0.00	0.00	0.00	-
Investment Property	272,670,000	195,205,000	133,970,000	25,914,000	+39.68%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	23,882,000	47,344,000	27,588,000	18,062,000	-49.56%
Deferred Tax Assets	0.00	1269000.00	3225000.00	9810000.00	-100.00%
Goodwill and Intangible Assets	1,260,000	1,177,000	1,292,000	2,223,000	+7.05%
Property & Equipment	305,344,000	300,429,000	328,347,000	262,955,000	+1.64%
Other Assets	42,518,000	38,621,000	39,340,000	20,960,000	+10.09%
Total Assets	10,903,359,000	9,578,941,000	8,702,455,000	9,130,987,000	+13.83%
Liabilities
Borrowings & Funding
Borrowings	225,502,000	342,425,000	769,973,000	1,175,721,000	-34.15%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	0.00	0.00	0.00	0.00	-
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	225,502,000	226,925,000	490,497,000	171,121,000	-0.63%
Due to NRB	0.00	115500000.00	279476000.00	1004600000.00	-100.00%
Deposits	9,317,607,000	8,040,448,000	6,654,380,000	6,583,025,000	+15.88%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	3,294,000	0	0	0	-
Other Liabilities	100,635,000	106,146,000	177,952,000	96,347,000	-5.19%
Other Liabilities & Provisions	103,929,000	106,146,000	177,952,000	96,347,000	-2.09%
Total Liabilities	9,647,038,000	8,489,019,000	7,602,305,000	7,855,093,000	+13.64%
Equity
Paid Up Capital	1,121,452,000	1,121,452,000	1,121,452,000	1,053,006,000	0.00%
Share Premium	1,141,000	1,141,000	1,141,000	1,141,000	0.00%
Reserves & Surpluses
Reserves	349,668,000	392,919,000	290,368,000	201,033,000	-11.01%
Reserves & Surpluses	134,869,000	-31,530,000	-21,302,000	222,888,000	+527.75%
Retained Earnings	-215,940,000	-425,590,000	-312,811,000	20,714,000	+49.26%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	1,256,321,000	1,089,922,000	1,100,150,000	1,275,894,000	+15.27%
Total Liabilities & Equity	10,903,359,000	9,578,941,000	8,702,455,000	9,130,987,000	+13.83%

Sector Peers — Finance (14)

Peer Comparison

Finance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
BFC	455.9	-2.38	-0.52%	-	0.07	107.3	67.94%	3.93	4.14	99.97	4.18%	3.72%	13.87%	6.9%	8.67	118.3	0.59	118.32	112.32	32.69	0.48%	0.51%	3.28%	3.46%
CFCL	490	-8.02	-1.61%	-	0.07	113.65	60.96%	8.26	13.16	183.44	4.4%	4.46%	14.18%	12.31%	8.69	59.81	0.06	64.77	40.65	29.46	0.82%	1.33%	6.68%	10.64%
GFCL	616.5	-0.49	-0.08%	-	0.09	256.65	72.24%	23.61	11.24	254.77	4.44%	7.04%	6.7%	16.44%	4.89	26.6	0.03	27.11	56.94	17.49	1.4%	0.67%	10.36%	4.93%
GMFIL	452	-4.38	-0.96%	-	0.06	164.67	66.57%	3.33	6.59	156.26	4.57%	4.1%	6.94%	5.16%	5.54	136.94	0.78	137.24	69.35	28.28	0.32%	0.66%	2.12%	4.2%
GUFL	519.9	-3.09	-0.59%	-	0.06	148.65	73.25%	14.21	-7.27	-	4.57%	3.56%	17.46%	19.61%	6.82	35.68	0.02	38.56	-75.38	28	1.1%	-0.56%	9.3%	-4.76%
ICFC	621.2	+0.99	+0.16%	-	0.08	170.19	80.06%	5.41	22.63	294.37	4.48%	3.46%	3.51%	3.5%	7.55	118.82	0	118.34	28.29	16.67	0.26%	1.13%	3.2%	13.45%
JFL	407	0	0%	-	0.05	-1.98	94.01%	1.07	-39.75	-	4.6%	2.72%	53.8%	2.59%	-	392.52	0	397.01	-10.69	163.27	0.12%	-4.91%	3.24%	-120.61%
MFIL	789.1	-13.89	-1.73%	-	0.08	175.29	84.84%	20.03	24.61	311.55	4.59%	4.44%	3.64%	12.57%	8.75	38.29	2.38	37.29	30.35	19.26	1.04%	1.3%	11.72%	14.41%
MPFL	607	-2.01	-0.33%	-	0.07	118.58	59.98%	2.57	1.82	69.68	4.58%	3.48%	8.3%	6.18%	10.49	242.06	0	237.35	335.16	59.9	0.4%	0.28%	2.18%	1.55%
NFS	562	-4.02	-0.71%	-	0.06	121.25	65.15%	-22.52	-11.1	-	4.58%	2.48%	16.73%	-54.62%	10.32	-27.78	0	-27.75	-56.31	60.7	-3.42%	-1.68%	-18%	-8.87%
PFL	364	-4.79	-1.3%	-	0.06	78.22	70.21%	43.2	91.05	400.3	3.69%	3.1%	25.1%	83.52%	9.08	8.22	0.06	8.61	4.09	27.47	4.7%	9.92%	65.36%	137.76%
PROFL	435	-5.02	-1.14%	-	0.07	73.93	70.33%	-6.9	-0.31	-	4.09%	3.5%	7.39%	-10.84%	12.25	-65.65	0	-65.65	-1,461.29	28.49	-0.7%	-0.03%	-9.24%	-0.42%
SFCL	368	-3.01	-0.81%	-	0.07	59.96	72.92%	0.29	11.71	125.69	4.57%	3.48%	8.17%	0.94%	12.34	1,275.86	12.89	1,313.79	32.54	48.72	0.06%	2.83%	0.5%	21.26%
SIFC	527	-6.02	-1.13%	-	0.07	136.25	75.26%	2.43	6.79	144.28	3.84%	3.6%	3.83%	3.31%	7.27	203.7	0	237.45	84.98	27.01	0.24%	0.67%	1.78%	4.98%

AVG	515.33	-4.01	-0.77%	-	0.069	123.04	72.41%	7.07	9.66	204.03	4.37%	3.8%	13.54%	7.68%	8.666	183.098	1.201	188.746	-57.786	41.958	0.49%	0.87%	6.61%	5.86%
MED	504.95	-3.55	-0.76%	-	0.07	119.91	71.29%	3.63	6.69	169.85	4.53%	3.53%	8.24%	5.67%	8.69	89.055	0.025	91.545	31.445	28.385	0.36%	0.67%	3.22%	4.56%
MAX	789.1	0.99	0.16%	-	0.09	256.65	94.01%	43.2	91.05	400.3	4.6%	7.04%	53.8%	83.52%	12.34	1,275.86	12.89	1,313.79	335.16	163.27	4.7%	9.92%	65.36%	137.76%
MIN	364	-13.89	-1.73%	-	0.05	-1.98	59.98%	-22.52	-39.75	69.68	3.69%	2.48%	3.51%	-54.62%	4.89	-65.65	0	-65.65	-1,461.29	16.67	-3.42%	-4.91%	-18%	-120.61%