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Overview

Detailed Summary

Indian Railway Finance Corporation Limited (IRFC) serves as the financial arm of Indian Railways, facilitating market borrowings to fund its vast infrastructure and rolling stock needs.
IRFC has achieved a significant milestone by becoming a diversified lender beyond the Ministry of Railways, as part of its IRFC 2.0 initiative, positioning itself for future growth.
The company reported a robust net worth of INR 56,625.41 crore and maintained high credit ratings, indicating low financial risk and credibility in capital markets.
IRFC's strategic alliances are broadening its reach within the railway ecosystem, with MoUs signed with major entities, reflecting strong forward-linkage plans.
IRFC's focus on cost-control and a low-risk profile has enabled consistent financial growth, with a planned target to achieve an AUM of over INR 5 lakh crore.

Sector: Finance
Industry: Financial Institution
Market Cap: 1,14,506 Cr
Volatility: High Risk
P/E Ratio: 16.4
Industry P/E: 18.6
PEG Ratio: 2.1
P/B Ratio: 2.0
52W High: 137.10
52W Low: 86.09

Sales CAGR

1Y: 1.89%
3Y: 10.18%
5Y: 15.13%
10Y: —

Profit CAGR

1Y: 1.40%
3Y: 2.21%
5Y: 15.29%
10Y: —

ROE

TTM: 12.35%
3Y: 13.07%
5Y: 13.27%
10Y: —

ROCE

TTM: 5.46%
3Y: 5.56%
5Y: 5.24%
10Y: —

Technicals

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Analyst Target, Price, EPS and Revenue Projections
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Peers

Financial Services Financial Services Finance Financial Institution

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
PFC		412.70	1,35,997 Cr	5.25	1.02	4.50	19.49	9.79	2.70
IRFC		87.62	1,14,506 Cr	16.35	2.02	1.20	12.35	5.46	1.36
RECLTD		361.45	95,178 Cr	5.83	1.12	5.13	19.17	9.50	2.55
HUDCO		195.30	39,187 Cr	9.71	1.78	3.09	18.36	7.42	2.42
IREDA		120.30	33,851 Cr	18.07	2.46	1.12	13.59	7.89	2.00
IFCI		70.15	18,901 Cr	100.21	2.11	0.00	2.02	7.12	1.64
TFCILTD		87.21	3,198 Cr	37.34	3.12	0.87	8.95	11.18	4.39
Median: 7 Co.	—	120.30	39,187 Cr	16.35	2.02	1.20	13.59	7.89	2.42

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	6,737	6,474	6,766	6,900	6,763	6,723	6,915	6,372	6,661	7,336
Expenses	35	34	33	38	39	44	47	49	104	118
Interest	5,104	4,725	5,155	5,249	5,095	4,996	5,124	4,544	4,812	5,524
Financing Profit	1,597	1,715	1,578	1,613	1,629	1,683	1,744	1,778	1,746	1,694
Financing Margin %	23.70	26.49	23.32	23.38	24.09	25.03	25.22	27.91	26.21	23.09
Other Income	3.42	4.43	0.39	0.54	2.96	0.57	2.86	0.02	58	-7.37
Depreciation	1.33	1.73	1.59	1.09	1.34	1.29	1.33	1.35	1.43	1.94
Profit Before Tax	1,599	1,717	1,577	1,613	1,631	1,682	1,746	1,777	1,802	1,684
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	1,599	1,717	1,577	1,613	1,631	1,682	1,746	1,777	1,802	1,684
EPS in Rs	1.23	1.32	1.21	1.23	1.25	1.29	1.34	1.36	1.38	1.29
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	8,013	9,267	11,134	13,421	15,770	20,299	23,722	26,645	27,153	27,302
Expenses	26	38	49	66	113	123	134	133	154	168
Interest	5,874	6,638	8,183	10,163	11,237	14,075	17,447	20,101	20,495	20,465
Financing Profit	2,113	2,592	2,902	3,192	4,420	6,102	6,140	6,411	6,504	6,669
Financing Margin %	26.37	27.97	26.07	23.79	28.03	30.06	25.88	24.06	23.95	24.43
Other Income	0.43	1.24	0.00	0.07	0.39	2.33	41	11	3.55	6.93
Depreciation	0.35	0.35	0.42	0.46	4.43	14	14	9.44	5.31	5.05
Profit Before Tax	2,114	2,592	2,902	3,192	4,416	6,090	6,167	6,412	6,502	6,671
Tax %	177.26	477.08	448.58	—	—	19,09,139.50	—	—	—	0.00
Net Profit	921	2,049	2,255	3,192	4,416	6,090	6,167	6,412	6,502	6,671
EPS in Rs	—	—	—	—	3.70	4.66	4.85	4.92	4.98	5.37
Dividend Payout %	—	—	—	—	348.57	332.86	314.67	327.33	311.25	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	6,526	6,526	9,380	11,880	13,069	13,069	13,069	13,069	13,069
Reserves	5,633	13,845	15,648	18,419	22,845	27,928	31,612	36,110	39,599
Borrowings	1,05,589	1,34,006	1,73,933	2,34,377	3,23,111	3,88,417	4,18,929	4,12,032	4,12,129
Other Liabilities	11,001	7,091	7,642	10,828	21,457	20,567	26,749	23,872	24,038
Total Liabilities	1,28,750	1,61,468	2,06,604	2,75,504	3,80,482	4,49,980	4,90,359	4,85,082	4,88,835
Fixed Assets	12	11	11	11	45	38	19	22	18
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.78	3.78
Investments	15	14	13	12	12	10	14	54	38
Other Assets	1,28,724	1,61,443	2,06,579	2,75,482	3,80,424	4,49,932	4,90,326	4,85,003	4,88,775
Total Assets	1,28,750	1,61,468	2,06,604	2,75,504	3,80,482	4,49,980	4,90,359	4,85,082	4,88,835

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-19,345	-28,076	-41,748	-62,701	-89,907	-64,412	-28,588	7,914	8,230
Cash from Investing Activity	1.79	1.68	1.31	1.47	0.42	-4.72	0.09	-7.54	-0.10
Cash from Financing Activity	18,143	28,075	41,749	62,697	90,202	64,266	28,644	-8,046	-2,572
Net Cash Flow	-1,200	0.18	2.58	-2.33	296	-151	56	-140	5,658

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	84.65%	82.90%
FIIs	1.13%	1.15%	1.08%	1.11%	1.09%	1.01%	0.98%	0.93%	0.97%	0.98%	1.17%	1.18%
DIIs	1.63%	1.16%	0.89%	1.08%	1.08%	1.24%	1.34%	1.46%	1.49%	1.55%	2.90%	3.98%
Public	10.87%	11.33%	11.67%	11.45%	11.46%	11.39%	11.32%	11.24%	11.18%	11.11%	11.29%	11.95%
Total Shareholders	27,03,000	32,51,993	45,26,341	51,08,893	55,00,054	55,40,767	56,35,775	54,51,172	53,17,981	51,69,331	51,13,569	50,86,488

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

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Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

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Announcements

Last 7 days

Sentiment

Earnings Call/Transcript

2 days ago

Indian Railway Finance Corp: Q1 FY26-27 Earnings Call

Indian Railway Finance Corporation Ltd will host a conference call with analysts/investors on 2026-07-31 at 11:00 to discuss unaudited Q1 FY26-27 financial results.

Earnings Call/Transcript

2 days ago

Indian Railway Finance Corporation Q1 FY26-27 Concall

IRFC to host a conference call with analysts/investors on Friday, 31 July 2026 at 11:00 AM IST to discuss unaudited Q1 FY26-27 financial results; invitation attached and call will be recorded.

Regulatory/Compliance Filing

3 days ago

IRFC Board comments on exchange fine

Indian Railway Finance Corporation Ltd: Board noted fines levied by NSE/BSE for non-compliance on board composition and committees for quarter ended 31-Mar-2026. Board asked Ministry of Railways to expedite independent director appointments and requested exchanges to waive the fines.

Regulatory/Compliance Filing

3 days ago

Indian Railway Finance Corporation Ltd: Board on Exchange Fine

Indian Railway Finance Corporation Ltd informed that its Board noted fines by NSE/BSE for non-compliance with board composition and committee constitution for quarter ended 31-Mar-2026; Board asked Ministry of Railways to expedite appointments and sought waiver.

Board Meeting

3 days ago

Indian Railway Finance Corporation Ltd Board Meeting on 30 July 2026

Indian Railway Finance Corporation Ltd informed exchanges that its Board will meet on 2026-07-30 to consider and approve unaudited financial results for quarter ended 30 June 2026; trading window remains closed.

Board Meeting

3 days ago

Indian Railway Finance Corporation Ltd Board Meeting 30-Jul-2026

Indian Railway Finance Corporation Ltd: Board to meet on 30 July 2026 to consider and approve unaudited financial results for quarter ended 30 June 2026; trading window remains closed until 48 hours after results.

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Frequently Asked Questions about Indian Railway Finance Corporation Ltd

Indian Railway Finance Corporation Ltd (IRFC) is currently trading at 87.62 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 Limited (IRFC) serves as the financial arm of Indian Railways, facilitating market borrowings to fund its vast infrastructure and rolling stock needs. IRFC has achieved a significant milestone by becoming a diversified lender beyond the Ministry of Railways, as part of its IRFC 2.0 initiative, positioning itself for future growth. The company reported a robust net worth of INR 56,625.41 crore and maintained high credit ratings, indicating low financial risk and credibility in capital markets. IRFC's strategic alliances are broadening its reach within the railway ecosystem, with MoUs signed with major entities, reflecting strong forward-linkage plans. IRFC's focus on cost-control and a low-risk profile has enabled consistent financial growth, with a planned target to achieve an AUM of over INR 5 lakh crore.

Over the past 52 weeks, Indian Railway Finance Corporation Ltd has traded between a low of ₹86.09 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 1,14,506.25. 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 16.35 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 1,14,506.25 Cr, Indian Railway Finance Corporation Ltd is classified as a Large 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 16.35. 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.

The government announced an Offer for Sale in IRFC of up to 4% stake, with a 2% base offer and up to 2% via a green shoe (oversubscription) option.

IRFC reported standalone PAT of ₹1,684.31 crore for Q4 FY26 ended March 31, 2026, up about 0.15% year-on-year and down 6.54% quarter-on-quarter.

IRFC signed a refinancing agreement of up to Rs 12,800 crore with Hindustan Urvarak Rasayan Limited (HURL).

The board approved two major items: a market borrowing plan of up to ₹70,000 crore for the financial year 2026-27 and the declaration of a second interim dividend of ₹1.05 per share for FY 2025-26.

Indian Railway Finance Corporation Ltd

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

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Announcements

Indian Railway Finance Corp: Q1 FY26-27 Earnings Call

Indian Railway Finance Corporation Q1 FY26-27 Concall

IRFC Board comments on exchange fine

Indian Railway Finance Corporation Ltd: Board on Exchange Fine

Indian Railway Finance Corporation Ltd Board Meeting on 30 July 2026

Indian Railway Finance Corporation Ltd Board Meeting 30-Jul-2026

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Frequently Asked Questions about Indian Railway Finance Corporation Ltd

What is Indian Railway Finance Corporation Ltd share price today?

What does Indian Railway Finance Corporation Ltd do?

What is the 52-week high and low of Indian Railway Finance Corporation Ltd?

What is the market capitalization of Indian Railway Finance Corporation Ltd?

Should I consider investing in Indian Railway Finance Corporation Ltd stock?

Is Indian Railway Finance Corporation Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Indian Railway Finance Corporation Ltd belong to and why does it matter?

What is the PE ratio of Indian Railway Finance Corporation Ltd?

What is the IRFC OFS and how much stake was offered?

What is IRFC’s Q4 FY26 net profit (PAT)?

What is the size of IRFC’s refinancing agreement with HURL?

What were the key outcomes of IRFC's board meeting on March 9, 2026?

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