Corporate Profile & Structure

Strategic Framework, Milestones & Governance

Company Profile

Reliance Finance Limited

Reliance Finance Limited is a national-level "C" class financial institution, licensed by Nepal Rastra Bank. Since our establishment in 2066 B.S., we have positioned ourselves as a key driver of retail banking, agricultural credit, and MSME growth inside and outside the Kathmandu Valley.

We pride ourselves on sound corporate governance, risk management, and capital safety. Our promotions represent pioneers across various commercial ventures, trading, and infrastructure domains, ensuring that we act not just as a financial lender, but as a long-term strategic growth partner.

With our registered head office in Kamaladi, Kathmandu, we manage 21 branches spread in key commercial hubs of Nepal, delivering customized savings, remittance, digital wallets, and loan services.

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Mission & Goals

Our guiding values driving economic progress, commercial trust, and digital transformation.

Our Mission

To deliver modern, accessible, and digital financial solutions to all segments of society, enhancing stakeholder value through compliance, ethical practices, and digital leadership.

Our Goals

To achieve absolute financial solidity, maximize client reach in underserved rural hubs via mobile teller networks, and foster sustainable credit portfolios in environmental operations.

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Strategic Framework

Four pillars supporting our customer operations, digital products, and risk control mechanisms.

Customer Centricity

We prioritize customized services with flexible account variations matching the specific profiles of our diverse clients.

Compliance & Safety

Rigorous implementation of NRB capital directives and robust risk monitoring to secure stakeholder investments.

Digital Banking

Providing state-of-the-art Fonepay mobile applications, QR codes, ABBS check clearing, and digital remittance.

Sustainable Growth

Focusing credit flows on agricultural projects, renewable energy setups, and local micro-businesses.

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Milestones & History

Explore our journey of trust, financial stability, and digital innovation since 2066 B.S.

2066 B.S.

Incorporation & Operations

Reliance Finance Limited officially commenced operations on 18th Mangshir 2066 B.S. as the 84th licensed finance company established under the Bank and Financial Institutions Act (BAFIA) 2063, aiming to drive local commercial trust and capital growth.

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Capital Structure

Detailed official corporate equity shares and capital parameters as listed on the Nepal Stock Exchange (NEPSE).

Capital Parameter	Amount (NPR)
Authorized Capital	NPR 1,20,00,00,000.00 (1.20 Billion)
Issued and Paid-up Capital	NPR 1,12,14,51,730.00
Promoter Shareholding (51%)	NPR 57,19,40,382.30
Public Shareholding (49%)	NPR 54,95,11,347.70

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Privacy Policy

Understand how we manage your personal details and account transaction safety protocols.

Reliance Finance Limited is committed to protecting the privacy and safety of information shared by depositors, loan applicants, and mobile banking users. Customer accounts information, transaction records, and contact details are stored under high-grade network firewalls and are never disclosed to third-parties except under legal warrants from regulating authorities.

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Frequently Asked Questions (FAQ)

Quick guides regarding account operations and loan enquiries.

Q: How can I register for mobile banking?

A: You can apply online using the RFL Smart App or visit your local branch to fill out a registration form. A temporary activation pin will be sent to your mobile.

Q: What is the maximum tenure for a Home Loan?

A: RFL provides flexible repayment tenures for Home Loans up to 20 years, depending on valuation structures and loan compliance.

Q: Can I take a loan against my Fixed Deposit?

A: Yes, you can borrow up to 90% of your Fixed Deposit amount. Interest charged is typically +2.0% above your FD rate, and processing is done within a few hours.

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