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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: 1,37,259 Cr
Volatility: High Risk
P/E Ratio: 19.2
Industry P/E: 19.4
PEG Ratio: 1.1
P/B Ratio: 2.4
52W High: 148.90
52W Low: 87.05

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: 12.37%
3Y: 13.07%
5Y: 13.27%
10Y: —

ROCE

TTM: 12.53%
3Y: 5.56%
5Y: 5.24%
10Y: —

Technicals

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Forecasts

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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		405.85	1,55,055 Cr	5.31	1.22	3.36	19.49	9.68	2.73
IRFC		103.00	1,37,259 Cr	19.18	2.42	1.52	12.37	12.53	1.41
RECLTD		327.60	99,128 Cr	5.01	1.19	4.78	20.68	9.59	2.69
HUDCO		196.85	40,959 Cr	14.16	2.27	2.03	15.54	7.94	1.86
IREDA		114.90	38,627 Cr	19.00	2.99	0.00	13.34	7.95	2.14
IFCI		52.96	16,451 Cr	35.54	1.86	0.00	4.28	10.77	2.81
TFCILTD		65.20	3,198 Cr	35.27	3.12	0.87	8.95	11.18	4.39
Median: 7 Co.	—	114.90	40,959 Cr	19.00	2.27	1.52	13.34	9.68	2.69

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	6,761	6,737	6,474	6,766	6,900	6,763	6,723	6,915	6,372	6,661
Expenses	34	35	34	33	38	39	44	47	49	104
Interest	5,181	5,104	4,725	5,155	5,249	5,095	4,996	5,124	4,544	4,812
Financing Profit	1,546	1,597	1,715	1,578	1,613	1,629	1,683	1,744	1,778	1,746
Financing Margin %	22.86	23.70	26.49	23.32	23.38	24.09	25.03	25.22	27.91	26.21
Other Income	0.85	3.42	4.43	0.39	0.54	2.96	0.57	2.86	0.02	58
Depreciation	2.15	1.33	1.73	1.59	1.09	1.34	1.29	1.33	1.35	1.43
Profit Before Tax	1,545	1,599	1,717	1,577	1,613	1,631	1,682	1,746	1,777	1,802
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	1,545	1,599	1,717	1,577	1,613	1,631	1,682	1,746	1,777	1,802
EPS in Rs	1.18	1.23	1.32	1.21	1.23	1.25	1.29	1.34	1.36	1.38
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	TTM
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

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	84.65%
FIIs	1.13%	1.13%	1.15%	1.08%	1.11%	1.09%	1.01%	0.98%	0.93%	0.97%	0.98%	1.17%
DIIs	2.03%	1.63%	1.16%	0.89%	1.08%	1.08%	1.24%	1.34%	1.46%	1.49%	1.55%	2.90%
Public	10.48%	10.87%	11.33%	11.67%	11.45%	11.46%	11.39%	11.32%	11.24%	11.18%	11.11%	11.29%
Total Shareholders	18,05,740	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

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

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