Reliance Finance Ltd. (RLFL) Share Price & Fundamentals

Reliance Finance (RLFL) share price is Rs. 407.50, down 0.85% on 2026-10-12. Open Rs. 413.00. High Rs. 416.00. Low Rs. 405.00. Volume 7,548.

Reliance Finance Ltd. is a NEPSE-listed company (RLFL), Finance sector. Revenue: Rs. 38.19 Crore. Net profit: Rs. 5.06 Crore. Net worth: Rs. 125.95 Crore.

About Reliance Finance Ltd.

Reliance Finance Limited (RLFL) is a Kathmandu-based class C finance company licensed by Nepal Rastra Bank under the Bank and Financial Institutions Act 2063. It was incorporated in 2066 BS and commenced operations on 18 Mangsir 2066 BS as the 84th finance company of Nepal. Its head office is at Pradarshani Marg, Kathmandu, and it operates around 21 branches nationwide, including Pokhara, Narayangarh, Besisahar, Gorkha, Jhapa and Lalitpur.

Reliance Finance Ltd. (RLFL) has 1,12,14,520 shares outstanding. It listed on NEPSE in 2013.

Company website: reliance.com.np.

RLFL key metrics

RLFL strengths

What Reliance Finance Ltd.'s own accounts show in its favour, graded against the rest of its sector.

• 12.6% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• 95.7% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• 20.1% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Owns 7.96x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• Lends out 80.8% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• Total income grew 16.9% on last year. (Growth)
• The loan book grew 14.1% on last year, so more money is being put to work. (Growth)
• 74.2% of income comes from lending, which is steady and predictable. (Margins & Income Quality)

RLFL weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

• Return on shareholders' money is 5.4%, below what owners would hope for. (Profitability)
• Profit moved -26.3% on last year, so earnings are not building up. (Growth)
• Each share produced Rs 4.51 over the year. (Shareholder Returns)
• Return on everything it owns is 0.7%, so its assets are not producing much. (Profitability)
• Makes only 2.6% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• 22.4% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
• Operating margin is 18.9%, so running costs take too much of what core banking earns. (Profitability)
• Each share is backed by only Rs 112.31 of net worth. (Shareholder Returns)
• Net profit margin is 13.2%, less than most lenders keep once every cost is paid. (Profitability)
• Staff costs take 35.3% of income, a heavy load on earnings. (Efficiency)
• Income from lending moved 7.7%, so the core business is not growing. (Growth)
• The bank's size moved 1.3% over the year. (Shareholder Returns)
• Only 5.6% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Deposits moved 6.1%, so its cheapest source of funding is not growing. (Growth)
• Loans are 67.6% of what the bank owns, so most of its risk sits in lending. (Asset Quality)

RLFL Q4 2082/83 results

In Q4 2082/83 Reliance Finance Ltd. reported profit of Rs. 1.27 crore and total operating income of Rs. 9.46 crore. Profit in Q3 2082/83 was Rs. 3.62 crore. Profit fell 64.94% on the previous quarter. Total operating income fell 25.13% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 21.74 crore. Profit fell 94.17% on the same quarter last year. Total operating income fell 26.05% on the same quarter last year.

RLFL annual results 2082/83

For the financial year 2082/83 Reliance Finance Ltd. reported net profit of Rs. 5.06 crore, total operating income of Rs. 38.19 crore and net worth of Rs. 125.95 crore. Net profit in 2081/82 was Rs. 6.86 crore. Net profit fell 26.27% on the year. Total operating income grew 16.87% on the year.

RLFL profit and loss for 2082/83

In the financial year 2082/83, Reliance Finance Ltd. reported net interest income of Rs. 28.35 crore, net fee and commission income of Rs. 7.69 crore, net trading income of Rs. 0 crore, other operating income of Rs. 2.15 crore, total operating income of Rs. 38.19 crore, impairment charge/(reversal) of Rs. 8.54 crore, net operating income of Rs. 29.64 crore, operating expenses of Rs. 22.42 crore, operating profit of Rs. 7.23 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 7.23 crore, income tax expense of Rs. 2.17 crore and profit for the year of Rs. 5.06 crore.

Reported under net interest income: interest income of Rs. 78.46 crore and interest expense of Rs. 50.12 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.69 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 13.5 crore, other operating expenses of Rs. 7.42 crore and depreciation & amortisation of Rs. 1.5 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.17 crore and deferred tax of Rs. 0 crore.

RLFL profit and loss for 2081/82

In the financial year 2081/82, Reliance Finance Ltd. reported net interest income of Rs. 26.31 crore, net fee and commission income of Rs. 4.94 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.43 crore, total operating income of Rs. 32.68 crore, impairment charge/(reversal) of Rs. 1.96 crore, net operating income of Rs. 30.72 crore, operating expenses of Rs. 21.32 crore, operating profit of Rs. 9.39 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 9.39 crore, income tax expense of Rs. 2.53 crore and profit for the year of Rs. 6.86 crore.

Reported under net interest income: interest income of Rs. 83.28 crore and interest expense of Rs. 56.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.94 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 13.03 crore, other operating expenses of Rs. 5.61 crore and depreciation & amortisation of Rs. 2.68 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.55 crore and deferred tax of Rs. 0.02 crore.

RLFL profit and loss for 2080/81

In the financial year 2080/81, Reliance Finance Ltd. reported net interest income of Rs. 21.86 crore, net fee and commission income of Rs. 3.93 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.7 crore, total operating income of Rs. 26.48 crore, impairment charge/(reversal) of Rs. 0.91 crore, net operating income of Rs. 25.57 crore, operating expenses of Rs. 21.45 crore, operating profit of Rs. 4.12 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.12 crore, income tax expense of Rs. 0.14 crore and profit for the year of Rs. 4.26 crore.

Reported under net interest income: interest income of Rs. 92.13 crore and interest expense of Rs. 70.27 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.93 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 12.34 crore, other operating expenses of Rs. 6.17 crore and depreciation & amortisation of Rs. 2.95 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0.14 crore.

RLFL balance sheet for 2081/82

In the financial year 2081/82, Reliance Finance Ltd. reported total assets of Rs. 1,002.72 crore, total liabilities of Rs. 876.77 crore and total equity of Rs. 125.95 crore.

Reported under total assets: cash and cash equivalents of Rs. 31.38 crore, due from nepal rastra bank of Rs. 33.45 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 6.93 crore, loans and advances to customers of Rs. 677.7 crore, investment securities of Rs. 191.98 crore, current tax assets of Rs. 2.28 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 21.06 crore, property and equipment of Rs. 30.77 crore, goodwill and intangible assets of Rs. 0.11 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 7.06 crore. Reported under total liabilities: due to banks and fis of Rs. 25.05 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 838.8 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0.54 crore, other liabilities of Rs. 12.38 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 112.15 crore, share premium of Rs. 0.11 crore, retained earnings of Rs. 18.32 crore, reserves of Rs. 32.01 crore and non controlling interest of Rs. 0 crore.

RLFL balance sheet for 2080/81

In the financial year 2080/81, Reliance Finance Ltd. reported total assets of Rs. 989.51 crore, total liabilities of Rs. 872.28 crore and total equity of Rs. 117.23 crore.

Reported under total assets: cash and cash equivalents of Rs. 32.62 crore, due from nepal rastra bank of Rs. 31.32 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 34.88 crore, loans and advances to customers of Rs. 593.95 crore, investment securities of Rs. 233.95 crore, current tax assets of Rs. 4.78 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 21.04 crore, property and equipment of Rs. 31.38 crore, goodwill and intangible assets of Rs. 0.16 crore, deferred tax assets of Rs. 0.24 crore and other assets of Rs. 5.19 crore. Reported under total liabilities: due to banks and fis of Rs. 40.07 crore, due to nepal rastra bank of Rs. 24.62 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 790.38 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 17.22 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 112.15 crore, share premium of Rs. 0.11 crore, retained earnings of Rs. 26.66 crore, reserves of Rs. 31.63 crore and non controlling interest of Rs. 0 crore.

RLFL balance sheet for 2079/80

In the financial year 2079/80, Reliance Finance Ltd. reported total assets of Rs. 867.23 crore, total liabilities of Rs. 754.47 crore and total equity of Rs. 112.76 crore.

Reported under total assets: cash and cash equivalents of Rs. 41.59 crore, due from nepal rastra bank of Rs. 24.23 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 43.06 crore, loans and advances to customers of Rs. 517 crore, investment securities of Rs. 200.68 crore, current tax assets of Rs. 2.91 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 2.46 crore, property and equipment of Rs. 31.58 crore, goodwill and intangible assets of Rs. 0.17 crore, deferred tax assets of Rs. 0.19 crore and other assets of Rs. 3.36 crore. Reported under total liabilities: due to banks and fis of Rs. 18.75 crore, due to nepal rastra bank of Rs. 17.78 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 665.98 crore, borrowings of Rs. 37 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 14.96 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 112.15 crore, share premium of Rs. 0.11 crore, retained earnings of Rs. 20.62 crore, reserves of Rs. 21.12 crore and non controlling interest of Rs. 0 crore.

RLFL cash flow for 2081/82

In the financial year 2081/82, Reliance Finance Ltd. reported net cash flow from operating activities (a) of Rs. 41.8 crore, net cash flow from investing activities (b) of Rs. 40.56 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1.24 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 32.62 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 31.38 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 81.72 crore, fees and other income received of Rs. 4.94 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.76 crore, interest paid of Rs. 56.97 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 14.08 crore, other expense paid of Rs. 5.61 crore, operating cash flows before changes in operating assets and liabilities of Rs. 10.76 crore, due from nepal rastra bank of Rs. 2.13 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 27.95 crore, loan and advances to customers of Rs. 85.71 crore, other assets of Rs. 2.84 crore, due to banks and financial institutions of Rs. 15.02 crore, due to nepal rastra bank of Rs. 24.62 crore, deposit from customers of Rs. 48.42 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 4.3 crore, net cash flow from operating activities before tax paid of Rs. 41.79 crore and income taxes paid of Rs. 0 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 41.97 crore, receipts from sale of investment securities of Rs. 0.07 crore, purchase of property and equipment of Rs. 2.12 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.06 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0.02 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.6 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

RLFL cash flow for 2080/81

In the financial year 2080/81, Reliance Finance Ltd. reported net cash flow from operating activities (a) of Rs. 45.4 crore, net cash flow from investing activities (b) of Rs. 54.36 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 8.97 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 41.59 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 32.62 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 95.41 crore, fees and other income received of Rs. 3.93 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.38 crore, interest paid of Rs. 70.27 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 12.79 crore, other expense paid of Rs. 6.17 crore, operating cash flows before changes in operating assets and liabilities of Rs. 10.49 crore, due from nepal rastra bank of Rs. 7.1 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 8.18 crore, loan and advances to customers of Rs. 77.85 crore, other assets of Rs. 4.42 crore, due to banks and financial institutions of Rs. 21.32 crore, due to nepal rastra bank of Rs. 6.83 crore, deposit from customers of Rs. 124.39 crore, borrowings of Rs. 37 crore, other liabilities of Rs. 2.27 crore, net cash flow from operating activities before tax paid of Rs. 47.11 crore and income taxes paid of Rs. 1.71 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 33.27 crore, receipts from sale of investment securities of Rs. 0.11 crore, purchase of property and equipment of Rs. 2.83 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.01 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 18.58 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.2 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

RLFL cash flow for 2079/80

In the financial year 2079/80, Reliance Finance Ltd. reported net cash flow from operating activities (a) of Rs. 69.25 crore, net cash flow from investing activities (b) of Rs. 43.77 crore, net cash flow from financing activities (c) of Rs. 6.48 crore, net increase/(decrease) in cash and cash equivalents of Rs. 19 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 60.58 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 41.59 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 98.24 crore, fees and other income received of Rs. 3.17 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.17 crore, interest paid of Rs. 77.65 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 11.01 crore, other expense paid of Rs. 5.56 crore, operating cash flows before changes in operating assets and liabilities of Rs. 7.35 crore, due from nepal rastra bank of Rs. 2.07 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 7.46 crore, loan and advances to customers of Rs. 24.67 crore, other assets of Rs. 5.91 crore, due to banks and financial institutions of Rs. 1.95 crore, due to nepal rastra bank of Rs. 68.57 crore, deposit from customers of Rs. 0.98 crore, borrowings of Rs. 37 crore, other liabilities of Rs. 0.28 crore, net cash flow from operating activities before tax paid of Rs. 67.54 crore and income taxes paid of Rs. 1.71 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 47.26 crore, receipts from sale of investment securities of Rs. 0.05 crore, purchase of property and equipment of Rs. 1.96 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.1 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 1.81 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.14 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 6.84 crore, dividends paid of Rs. 0.36 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

RLFL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Reliance Finance Ltd. reported net interest income of Rs. 6.01 crore, net fee and commission income of Rs. 2.93 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.51 crore, total operating income of Rs. 9.46 crore, impairment charge/(reversal) of Rs. 0.22 crore, net operating income of Rs. 9.24 crore, operating expenses of Rs. 7.43 crore, operating profit of Rs. 1.81 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.81 crore, income tax expense of Rs. 0.54 crore and profit for the year of Rs. 1.27 crore.

Reported under net interest income: interest income of Rs. 18.73 crore and interest expense of Rs. 12.72 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.93 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.49 crore, other operating expenses of Rs. 2.44 crore and depreciation & amortisation of Rs. 0.5 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.54 crore and deferred tax of Rs. 0 crore.

RLFL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Reliance Finance Ltd. reported net interest income of Rs. 10.28 crore, net fee and commission income of Rs. 2.08 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.27 crore, total operating income of Rs. 12.63 crore, impairment charge/(reversal) of Rs. 2.12 crore, net operating income of Rs. 10.51 crore, operating expenses of Rs. 5.34 crore, operating profit of Rs. 5.17 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 5.17 crore, income tax expense of Rs. 1.55 crore and profit for the year of Rs. 3.62 crore.

Reported under net interest income: interest income of Rs. 22.74 crore and interest expense of Rs. 12.46 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.08 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.29 crore, other operating expenses of Rs. 1.7 crore and depreciation & amortisation of Rs. 0.36 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.55 crore and deferred tax of Rs. 0 crore.

RLFL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Reliance Finance Ltd. reported net interest income of Rs. 5.52 crore, net fee and commission income of Rs. 1.24 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.14 crore, total operating income of Rs. 6.9 crore, impairment charge/(reversal) of Rs. 14.41 crore, net operating income of Rs. 21.31 crore, operating expenses of Rs. 4.58 crore, operating profit of Rs. 16.73 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 16.73 crore, income tax expense of Rs. 0.07 crore and profit for the year of Rs. 16.65 crore.

Reported under net interest income: interest income of Rs. 17.82 crore and interest expense of Rs. 12.3 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.24 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.65 crore, other operating expenses of Rs. 1.61 crore and depreciation & amortisation of Rs. 0.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.07 crore and deferred tax of Rs. 0 crore.

RLFL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Reliance Finance Ltd. reported net interest income of Rs. 6.54 crore, net fee and commission income of Rs. 1.44 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.23 crore, total operating income of Rs. 9.2 crore, impairment charge/(reversal) of Rs. 20.62 crore, net operating income of Rs. 11.42 crore, operating expenses of Rs. 5.06 crore, operating profit of Rs. 16.48 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 16.48 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 16.48 crore.

Reported under net interest income: interest income of Rs. 19.18 crore and interest expense of Rs. 12.64 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.44 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 3.07 crore, other operating expenses of Rs. 1.68 crore and depreciation & amortisation of Rs. 0.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0 crore.

RLFL Profit & Loss

Values in Rs. Crore unless stated otherwise.

RLFL Balance Sheet

Values in Rs. Crore unless stated otherwise.

RLFL Cash Flow

Values in Rs. Crore unless stated otherwise.

RLFL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Reliance Finance share price history

Over the last 15 trading sessions RLFL closed between Rs. 407.50 and Rs. 427.00, finishing at Rs. 407.50 on 2026-10-12 against Rs. 427.00 on 2026-09-18.

RLFL share price by year

2026, between Rs. 388.90 and Rs. 514.90, 2025, between Rs. 398.00 and Rs. 703.80, 2024, between Rs. 339.00 and Rs. 838.00, 2023, between Rs. 251.64 and Rs. 404.00, 2022, between Rs. 208.64 and Rs. 545.54 and 2021, between Rs. 115.79 and Rs. 664.63.

Reliance Finance share price returns

At Rs. 407.50 on 2026-10-12, RLFL is down 0.85% over 1 week, down 2.74% over 1 month, down 9.65% over 3 months, down 12.18% over 6 months, down 2.51% over 1 year and down 3.65% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

RLFL floorsheet for 2026-10-12

RLFL traded 52 times on 2026-10-12, moving 7,548 shares for Rs. 0.31 crore of turnover. Trades went through between Rs. 405.00 and Rs. 416.00.

Largest buyers by volume: broker 42, Sani Securities Company Limited on 970 shares across 4 trades, broker 70, Infinity Securities Limited on 720 shares across 2 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 700 shares across 2 trades, broker 45, Imperial Securities Co. Limited on 570 shares across 2 trades, broker 39, Sumeru Securities Pvt.Limited on 525 shares across 3 trades, broker 49, Online Securities Limited on 500 shares across 1 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 425 shares across 2 trades, broker 36, Secured Securities Limited on 403 shares across 2 trades, broker 62, Capital Max Securities Limited on 400 shares across 1 trades and broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 390 shares across 2 trades.

Largest sellers by volume: broker 48, Trishakti Securities Public Limited on 2,536 shares across 8 trades, broker 47, Neev Securities Pvt.Ltd on 2,000 shares across 14 trades, broker 68, Elite Stock House Limited on 1,601 shares across 10 trades, broker 46, Kalika Securities Pvt.Limited on 550 shares across 4 trades, broker 49, Online Securities Limited on 265 shares across 1 trades, broker 36, Secured Securities Limited on 185 shares across 3 trades, broker 41, Linch Stock Market Limited on 100 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 100 shares across 3 trades, broker 42, Sani Securities Company Limited on 95 shares across 1 trades and broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 50 shares across 2 trades.

RLFL dividend history: bonus shares and cash dividend

Reliance Finance Ltd. most recently declared a 6.5% bonus share issue for 2078/2079, announced on 2023-07-17. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2078/2079 Reliance Finance Ltd. declared a 6.5% bonus share issue, announced on 2023-07-17.

For 2077/2078 Reliance Finance Ltd. declared a 15% bonus share issue, announced on 2021-12-24.

RLFL general meetings

Annual and special general meetings Reliance Finance Ltd. has called. A dividend is declared by the board and approved at the AGM.

• 16th AGM for 2081/2082: on 2026-01-14
• 15th AGM for 2080/2081: on 2025-06-11, at Anupam Foodland and Banquet, Battisputali, Gaushala, Kathmandu (11:00 AM)
• 14th AGM for 2079/2080: on 2024-09-05, at Anupam Foodland and Banquet, Battisputali, Gaushala, Kathmandu (11:00 AM)

6 years of annual statements and 9 quarters of results for RLFL, with charts and peer comparison, are free on NepView.

New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.

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