Reliance Finance Ltd.

FinanceMid Cap

NPR 452.60

NPR -4.4-0.96%

09:14 AM NPT · Aug 7, 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

465.00

High

465.00

Low

452.20

Prev Close

457.00

Volume

10,292

Turnover

Rs 4,686,143.8

Txns

Valuation · Q3 FY25/26

EPS Ann.

4.51

EPS TTM

22.77

BVPS

115.80

P/E Ann.

100.35

P/E TTM

19.88

Graham #

108.40

Capital

Mkt Cap

5.08 Arab

Total

1.12 Crore

Public

54.95 Lakh

Promoter

57.19 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

32.45

ADX

31.71

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

463.82

SMA 50

470.34

Bands & Channels

BB Width %

7.53%

Volume & Flow

OBV

7,575,627

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

118,623

Shares Bought

Total Sell

118,623

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 42%

Distribution 58%

Accumulators

Quantity

22,314

Amount

10,294,445

Avg Rate

461.34

Rank

Brokers

#48#49#57#64

Distributors

Quantity

30,330

Amount

13,905,105

Avg Rate

458.46

Rank

Brokers

#26#74

Net Flow Impact:

-8,016units

(Rs. -3,610,660)

Net Flow by Timeframe

RLFL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 139,554 ]

Buy Side

Total: 82,717

Broker

QTY

AVG

NET

22,773

462.22

+1,743

19.2%

9,640

466.87

+840

8.1%

8,785

461.87

+4,800

7.4%

6,208

461.07

+2,353

5.2%

4,804

457.87

+1,582

4.0%

4,167

455.01

+1,619

3.5%

4,021

460.92

+3,968

3.4%

3,800

459.65

+294

3.2%

3,434

457.28

+1,806

2.9%

3,336

458.73

+2,052

2.8%

3,300

460.99

+2,371

2.8%

2,615

458.09

+1,235

2.2%

2,179

459.00

+1,068

1.8%

1,855

461.07

+1,034

1.6%

1,800

460.99

+313

1.5%

Sell Side

Total: 56,837

Broker

QTY

AVG

NET

22,740

458.55

-22,740

19.2%

7,590

458.20

-5,755

6.4%

6,490

462.46

-1,676

5.5%

4,991

458.45

-3,441

4.2%

4,683

463.63

-119

4.0%

3,614

458.45

-444

3.0%

1,240

455.57

-1,240

1.1%

1,100

455.39

-830

0.9%

1,000

460.69

-612

0.8%

1,000

466.00

-1,000

0.8%

810

459.10

-694

0.7%

700

463.00

-700

0.6%

493

460.06

-493

0.4%

250

462.04

-108

0.2%

136

463.50

-136

0.1%

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	494	-7.98	-1.59%	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	660	-14.98	-2.22%	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	605	+1.99	+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	456.3	+1	+0.22%	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	569.9	-5.99	-1.04%	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	603	-2	-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	384.5	-6.49	-1.66%	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	775	-9.97	-1.27%	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	613	+2.02	+0.33%	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	567.4	-0.62	-0.11%	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	420	-3.09	-0.73%	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	505.5	-4.49	-0.88%	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	527.69	-3.97	-0.73%	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	536.45	-3.79	-0.8%	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	775	2.02	0.33%	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	-14.98	-2.22%	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%