Compare · Finance
GMFIL vs RLFL
Guheshowori Merchant Bank & Finance Co. and Reliance Finance, side by side: what Rs 100 became, the figures NEPSE publishes, dividends and each against its sector.
Close · 16 Oct 2026NEPSE published data, may be delayed
Guheshowori Merchant Bank & Finance Co. Ltd.
Reliance Finance Ltd.
Rs 100 became…
- GMFILRs 100 becameRs 99.76−0.24% down in 1 year
- RLFLRs 100 becameRs 100.93+0.93% up in 1 year
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Rs 100 in each on the first session of the period, adjusted for bonus shares. Cash dividends are not added back. To the close of 16 Oct 2026.
In plain words
On 16 Oct 2026, GMFIL (Guheshowori Merchant Bank & Finance Co. Ltd.) closed at Rs 417.00 and RLFL (Reliance Finance Ltd.) at Rs 413.90. Over the past year, Rs 100 in GMFIL became Rs 100 (−0.24%) and in RLFL Rs 101 (+0.93%), adjusted for bonus shares.
RLFL is the larger company by market value, Rs 464 crore against Rs 422 crore. Of the 13 finance Punji covers, GMFIL is 8th by market value and RLFL 6th. Neither had a cash dividend book closure in the last 12 months.
Side by side
marks the higher figure. Higher is not better or worse by itself.
| GMFILFinance | RLFLFinance | |
|---|---|---|
| Price and returns | ||
| Close, Rs | 417.00 | 413.90 |
| Change, as NEPSE published | +0.26% up | +0.17% up |
| Rs 100 became, 1 year | Rs 99.76 | Rs 100.93, the higher figure |
| Return, 1 month | −1.16% down, the higher figure | −3.29% down |
| Return, 1 year | −0.24% down | +0.93% up, the higher figure |
| 52-week range | ||
| Size and shares | ||
| Market value | Rs 422 cr | Rs 464 cr, the higher figure |
| Listed shares | 1.01 crore | 1.12 crore, the higher figure |
| Promoter and public | Promoter 51.0%Public 49.0% | Promoter 51.0%Public 49.0% |
| Dividends | ||
| Cash dividend yield, 12 months | None in 12 months | None in 12 months |
| Latest declaration | None declared2081/82 | None declared2081/82 |
| Trading | ||
| Traded value, last 30 days | Rs 9.73 cr | Rs 18.67 cr, the higher figure |
| Shares traded, latest session | 5,610 | 12,808, the higher figure |
| From the quarterly reports | ||
| EPS, P/E, book value and price to book for both, from their latest quarterly reports. | ||
Market value is the close times the listed shares. The 52-week range is NEPSE’s published low and high. Yield is the cash dividends with a book closure in the last 12 months, as a share of the paid-up value, over the close.
Dividends, year by year
As a percentage of paid-up value, as declared. Solid is cash, light is bonus, on one scale.
| Fiscal year | GMFIL | RLFL |
|---|---|---|
| 2081/82 | None declared | None declared |
| 2080/81 | None declared | None declared |
| 2078/79 | 0.34% cash · 6.5% bonus | 0.34% cash · 6.5% bonus |
| 2077/78 | 0.526% cash · 10% bonus | 0.79% cash · 15% bonus |
Against the finance
Rank among the 13 finance Punji covers (1st is the highest), and the sector median.
| GMFIL | Sector median | RLFL | |
|---|---|---|---|
| Return, 1 year | −0.24% 10th of 13 | Median +1.65% | +0.93% 8th of 13 |
| Cash dividend yield | No cash dividend in 12 months | Median 3.10% | No cash dividend in 12 months |
| Market value | Rs 422 cr 8th of 13 | Median Rs 426 cr | Rs 464 cr 6th of 13 |
| Traded value, 30 days | Rs 9.73 cr 11th of 13 | Median Rs 15.88 cr | Rs 18.67 cr 6th of 13 |
Dividend yield ranks only the companies that paid a cash dividend in the last 12 months.
Questions
GMFIL or RLFL: questions
Which is bigger, GMFIL or RLFL?
RLFL is larger by market value: Rs 464 crore, against Rs 422 crore for GMFIL, at the close of 16 Oct 2026. Market value is the share price times the shares listed.
Which has risen more over the past year, GMFIL or RLFL?
Over the past year, Rs 100 in GMFIL became Rs 100 (−0.24%) and in RLFL Rs 101 (+0.93%), adjusted for bonus shares. Cash dividends are not added back. How a share moved in the past does not say how it will move next.
Which pays a higher dividend, GMFIL or RLFL?
GMFIL last declared no dividend for 2081/82; RLFL last declared no dividend for 2081/82. Dividends are declared as a percentage of the paid-up value, not of today’s price, so the cash dividend yield in the table is the comparable figure.
Should I buy GMFIL or RLFL?
Punji does not say. This page lines up the published figures for both and marks neither as better; what fits depends on what you hold, why and for how long.
More comparisons
Also: GMFIL stock page, RLFL stock page, the screener, the heat map and the guides to evaluating banking stocks and bonus and right shares.
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