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Indian Railway Finance Corporation (IRFC) is the government-owned funding arm and NBFC for the Indian Railways, primarily engaged in mobilizing domestic and overseas borrowings to lease rolling stock, finance railway infrastructure and lend to rail-linked entities while acting as an aggregator for large government infrastructure projects.
IRFC 2.0 is a clear diversification push beyond a single-client model: management reported non-rail disbursements of about Rs 35,000 crore last year and plans further lending to metros, ports, renewable energy, thermal generation and road linkages, aiming to increase non-rail share and materially improve blended margins over the coming quarters.
IRFC’s funding model and borrowing mix deliver a low WACC (~6.55% reported), active use of ECBs and 54EC bonds, and disciplined hedging (yen hedges around 6.0–6.3%); coupled with higher-yielding non-rail assets that command multiples of railway margins, this underpins improved net interest margins and resilient profitability.
Management emphasised governance and scale investments: employee count nearly doubled to support diversification, a veteran-led risk, borrowing and compliance grid is in place, IRFC received clean CAG/RBI feedback, gained Navratna status, and maintains a large retail shareholder base of over five million investors, supporting credibility and transparency.
Recent executed transactions and refinancings are transformational: FY25-26 deals of ~Rs 72,949 crore included DFCCIL refinancing that delivered ~Rs 2,700 crore savings, major power sector financings and a substantial fertilizer-sector refinancing, validating IRFC’s ability to structure large, cross-sector financings and win competitive RFPs.
Finance
Financial Institution
97,360 Cr
High Risk
13.2
15.4
0.9
1.6
137.10
73.80
Sales CAGR
Profit CAGR
ROE
Bearish
4
Neutral
6
Bullish
4
Bearish
36
Neutral
6
Bullish
4
Bearish
32
Neutral
0
Bullish
0
ROCE
Bearish
4
Neutral
6
Bullish
4
Bearish
4
Neutral
6
Bullish
4
Bearish
32
Neutral
0
Bullish
0
Bearish
32
Neutral
0
Bullish
0
Bearish
32
Neutral
0
Bullish
0
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
316.00 | 1,04,283 Cr | 3.10 | 0.73 | 5.87 | 18.22 | 9.82 | 2.70 | ||
74.50 | 97,360 Cr | 13.21 | 1.61 | 2.82 | 12.17 | 6.04 | 1.40 | ||
293.65 | 77,325 Cr | 4.82 | 0.92 | 6.32 | 19.17 | 9.50 | 2.50 | ||
146.05 | 29,238 Cr | 6.87 | 1.42 | 4.14 | 18.36 | 7.42 | 2.55 | ||
100.40 | 28,205 Cr | 14.33 | 1.97 | 1.34 | 13.73 | 8.01 | 2.01 | ||
59.28 | 15,972 Cr | 36.92 | 1.79 | 0.00 | 2.02 | 7.12 | 1.63 | ||
147.65 | 6,836 Cr | 79.97 | 5.20 | 0.41 | 9.39 | 10.40 | 6.39 | ||
| Median: 7 Co. | — | 146.05 | 29,238 Cr | 13.21 | 1.61 | 2.82 | 13.73 | 8.01 | 2.50 |
Legal/Regulatory Proceedings
Indian Railway Finance Corporation Ltd informed that on 2026-10-23 the Assistant Commissioner of State Tax (Delhi Zonal Unit) passed an order of nil demand, dropping an earlier GST show cause notice of ₹549.32 crore.
Earnings Call/Transcript
Indian Railway Finance Corporation Ltd released the transcript of its earnings conference call held on 16-10-2026 for Q2 and H1 FY26-27 to discuss unaudited financial results for the quarter and half year ended 30-09-2026.
Indian Railway Finance Corporation Ltd (IRFC) is currently trading at 74.50 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Indian Railway Finance Corporation (IRFC) is the government-owned funding arm and NBFC for the Indian Railways, primarily engaged in mobilizing domestic and overseas borrowings to lease rolling stock, finance railway infrastructure and lend to rail-linked entities while acting as an aggregator for large government infrastructure projects. IRFC 2.0 is a clear diversification push beyond a single-client model: management reported non-rail disbursements of about Rs 35,000 crore last year and plans further lending to metros, ports, renewable energy, thermal generation and road linkages, aiming to increase non-rail share and materially improve blended margins over the coming quarters. IRFC’s funding model and borrowing mix deliver a low WACC (~6.55% reported), active use of ECBs and 54EC bonds, and disciplined hedging (yen hedges around 6.0–6.3%); coupled with higher-yielding non-rail assets that command multiples of railway margins, this underpins improved net interest margins and resilient profitability. Management emphasised governance and scale investments: employee count nearly doubled to support diversification, a veteran-led risk, borrowing and compliance grid is in place, IRFC received clean CAG/RBI feedback, gained Navratna status, and maintains a large retail shareholder base of over five million investors, supporting credibility and transparency. Recent executed transactions and refinancings are transformational: FY25-26 deals of ~Rs 72,949 crore included DFCCIL refinancing that delivered ~Rs 2,700 crore savings, major power sector financings and a substantial fertilizer-sector refinancing, validating IRFC’s ability to structure large, cross-sector financings and win competitive RFPs.
Over the past 52 weeks, Indian Railway Finance Corporation Ltd has traded between a low of ₹73.80 and a high of ₹137.10. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Indian Railway Finance Corporation Ltd has a market capitalization of approximately 97,360.37. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Indian Railway Finance Corporation Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 13.21 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 97,360.37 Cr, Indian Railway Finance Corporation Ltd is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Indian Railway Finance Corporation Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Indian Railway Finance Corporation Ltd is 13.21. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
IRFC filed an announcement attaching the earnings call transcript for Q2 and the half year ended 30.09.2026.
IRFC approved unaudited financial results for the quarter and half-year ended 30 September 2026 and declared an interim dividend for FY2026-27.
The excerpt shows a board meeting scheduled for July 30, 2026, with intimation broadcast on July 22, 2026, and an outcome filed for the July 30 meeting.
IRFC reported net profit (PAT) of ₹1,745.69 crore for Q1 FY26, compared with ₹1,576.83 crore in Q1 FY25.
