| Annual Financials | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 8,014 | 9,268 | 11,134 | 13,421 | 15,771 | 20,302 | 23,763 | 26,656 | 27,157 | 26,780 |
| Expenses | 26 | 38 | 49 | 66 | 113 | 123 | 134 | 133 | 154 | 180 |
| EBITDA | 7,988 | 9,230 | 11,085 | 13,355 | 15,658 | 20,179 | 23,629 | 26,523 | 27,003 | 26,601 |
| Operating Profit % | 100 % | 100 % | 100 % | 100 % | 99 % | 99 % | 99 % | 100 % | 99 % | 99 % |
| Depreciation | 0 | 0 | 0 | 1 | 4 | 14 | 14 | 9 | 5 | 5 |
| Interest | 5,874 | 6,638 | 8,183 | 10,163 | 11,237 | 14,075 | 17,447 | 20,102 | 20,495 | 19,760 |
| Profit Before Tax | 2,114 | 2,593 | 2,902 | 3,192 | 4,416 | 6,090 | 6,167 | 6,412 | 6,502 | 6,835 |
| Tax | 1,192 | 543 | 647 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Profit | 921 | 2,049 | 2,255 | 3,192 | 4,416 | 6,090 | 6,167 | 6,412 | 6,502 | 6,835 |
| EPS in ₹ | 1.41 | 3.14 | 3.43 | 3.40 | 3.66 | 4.66 | 4.72 | 4.91 | 4.98 | 5.20 |
IRFC
IRFC
116.42
-0.67
(-0.57%)
Market Cap
₹- Cr
PE Ratio
-
Volume
43,02,586.00
Day High - Low
₹117.00 - ₹116.10
52W High-Low
₹166.90 - ₹108.04
Key Fundamentals
Market Cap
- Cr
EPS
-
PB Ratio
-
Book Value
43.00
EBITDA
-
Dividend Yield
- %
Industry
Financial Services Sector
Financial Institution ROE Growth %
-
Debt to Equity
-
Analyst Rating and Forecast
- By Refinitiv from1 analysts
Actual
Company News
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Indian Railway Finance Corporation (IRFC) has entered into a $300 million loan agreement with Sumitomo Mitsui Banking Corporation. This financing deal provides IRFC with substantial capital access from the Japanese banking institution.
Rail Vikas Nigam Limited Fined Rs. 9.77 Lakh by NSE for Board Composition Non-Compliance4 days ago
NSE imposed a fine of Rs. 9,77,040 on Rail Vikas Nigam Limited for non-compliance with board and committee composition regulations for the quarter ended September 30, 2025. The company clarified that as a Government enterprise, all directors are appointed by the Ministry of Railways, and it expects fine waiver upon compliance as per SEBI policy.
IRFC Reports Record H1 Profit of ₹3,523 Crores, Declares Interim Dividend of ₹1.05 Per Share
Oct 23, 2025
Oct 23, 2025Indian Railway Finance Corporation delivered a profit after tax of ₹1,780 crores in Q2 FY 2025-26, marking over 10% growth, while half-year profit reached ₹3,523 crores, the highest in company history. Net worth touched a record ₹56,000 crores with EPS of ₹5.39. The company's Net Interest Margin improved from 1.42% to 1.55% driven by strategic diversification beyond railways. IRFC signed ₹45,000 crores worth of new business agreements in H1 across renewable energy, transmission, coal mining and industrial infrastructure sectors. The Board declared an interim dividend of ₹1.05 per share. The company maintains zero NPA record and provided disbursement guidance of ₹30,000 crores for the fiscal year. Management indicated plans to achieve a 75%-25% mix between railway and diversified assets over the next five years, targeting government and public sector entities to maintain low-risk profile while achieving 2x to 3x margins compared to traditional railway lending.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
140.18 | - | #1 - | - | - | - | - | 32.62 | |
116.42 | - | #1 - | - | - | - | - | 32.25 | |
50.99 | - | #1 - | - | - | - | - | 36.76 | |
360.30 | - | #1 - | - | - | - | - | 27.57 | |
236.10 | - | #1 - | - | - | - | - | 52.98 | |
357.45 | - | #1 - | - | - | - | - | 42.86 | |
66.21 | - | #1 - | - | - | - | - | 43.07 | |
11.32 | - | #1 - | - | - | - | - | 32.75 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
-
Net Income Growth
-
Cash Flow Change
-
ROE
-
ROCE
-
EBITDA Margin (Avg.)
-
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| 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 |
| Fixed Assets | 12 | 11 | 11 | 11 | 45 | 38 | 19 | 22 | 18 |
| Current Assets | 1,26,560 | 1,56,205 | 2,00,684 | 2,69,058 | 3,73,454 | 4,43,107 | 4,84,393 | 4,80,058 | 4,83,604 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 4 |
| Investments | 15 | 14 | 13 | 12 | 12 | 10 | 14 | 54 | 38 |
| Other Assets | 1,28,724 | 1,61,443 | 2,06,580 | 2,75,481 | 3,80,425 | 4,49,932 | 4,90,326 | 4,85,003 | 4,88,776 |
| 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 |
| Current Liabilities | 10,325 | 18,089 | 28,128 | 32,191 | 41,820 | 20,544 | 26,744 | 23,865 | 24,034 |
| Non Current Liabilities | 1,06,265 | 1,23,008 | 1,53,447 | 2,13,013 | 3,02,748 | 3,88,440 | 4,18,935 | 4,12,038 | 4,12,133 |
| Total Equity | 12,160 | 20,372 | 25,029 | 30,300 | 35,913 | 40,996 | 44,680 | 49,179 | 52,668 |
| Reserve & Surplus | 5,634 | 13,845 | 15,648 | 18,419 | 22,845 | 27,928 | 31,612 | 36,110 | 39,599 |
| Share Capital | 6,527 | 6,527 | 9,381 | 11,881 | 13,069 | 13,069 | 13,069 | 13,069 | 13,069 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | -232 | 1,206 | -1,204 | 0 | 3 | -2 | 296 | -151 | 60 | -140 | 5,658 |
| Investing Activities | 2 | 2 | 2 | 2 | 1 | 2 | 0 | -5 | 0 | -8 | -0 |
| Operating Activities | -1,292 | -16,378 | -19,455 | -28,076 | -41,748 | -62,701 | -89,907 | -64,412 | -28,584 | 7,914 | 8,230 |
| Financing Activities | 1,058 | 17,582 | 18,250 | 28,075 | 41,749 | 62,697 | 90,202 | 64,266 | 28,643 | -8,046 | -2,572 |
Share Holding
| % Holding | Jan 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % | 86.36 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 1.13 % | 1.15 % | 1.08 % | 1.11 % | 1.09 % | 1.01 % | 0.98 % | 0.93 % | 0.97 % |
| DIIs | 3.10 % | 4.23 % | 3.75 % | 3.19 % | 3.21 % | 3.18 % | 3.26 % | 3.39 % | 2.96 % | 2.62 % | 2.03 % | 1.63 % | 1.16 % | 0.89 % | 1.07 % | 1.08 % | 1.24 % | 1.34 % | 1.46 % | 1.49 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 6.18 % | 7.00 % | 7.92 % | 8.44 % | 8.46 % | 8.42 % | 8.44 % | 8.27 % | 8.69 % | 8.94 % | 9.52 % | 10.08 % | 10.55 % | 10.97 % | 10.80 % | 10.86 % | 10.78 % | 10.68 % | 10.59 % | 10.63 % |
| Others | 4.35 % | 2.40 % | 1.97 % | 2.01 % | 1.97 % | 2.04 % | 1.94 % | 1.98 % | 1.98 % | 2.07 % | 2.09 % | 0.79 % | 0.78 % | 0.70 % | 0.65 % | 0.60 % | 0.61 % | 0.64 % | 0.65 % | 0.55 % |
| No of Share Holders | 0 | 8 | 13,52,260 | 14,49,110 | 14,77,210 | 15,19,490 | 15,15,230 | 14,90,300 | 14,59,500 | 16,34,920 | 18,05,740 | 27,03,000 | 32,51,990 | 45,26,340 | 51,08,890 | 55,00,050 | 55,40,770 | 56,35,780 | 54,51,170 | 53,17,980 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.05 | 1.4 | 1.5 | 1.5 | 1.6 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.9 | 5.31 | 1.05 | 1.21 | 1.37 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 20 Feb 2021 |  Dividend | ₹ 1.05 /share | 17 Feb 2021 | 25.35 | 25.35 |
| 11 Nov 2021 | Dividend | ₹ 0.77 /share | 10 Nov 2021 | 24.20 | 24.80 |
| 16 Sept 2022 | Dividend | ₹ 0.63 /share | 15 Sept 2022 | 21.40 | 22.30 |
| 18 Nov 2022 | Dividend | ₹ 0.80 /share | 17 Nov 2022 | 25.10 | 27.90 |
| 15 Sept 2023 | Dividend | ₹ 0.70 /share | 15 Sept 2023 | 33.85 | 81.30 |
| 10 Nov 2023 | Dividend | ₹ 0.80 /share | 10 Nov 2023 | 72.95 | 74.60 |
| 22 Aug 2024 | Dividend | ₹ 0.70 /share | 22 Aug 2024 | 173.20 | 180.55 |
| 29 Aug 2024 |  Annual General Meeting | NA | 29 Aug 2024 | 195.20 | 180.96 |
| 04 Nov 2024 |  Quarterly Result Announcement | NA | 04 Nov 2024 | 144.70 | 158.11 |
| 12 Nov 2024 | Dividend | ₹ 0.80 /share | 12 Nov 2024 | 158.11 | 147.40 |
| 20 Jan 2025 | Quarterly Result Announcement | NA | 20 Jan 2025 | 135.70 | 146.19 |
| 21 Mar 2025 | Dividend | ₹ 0.80 /share | 21 Mar 2025 | 117.70 | 128.45 |
| 28 Apr 2025 | Quarterly Result Announcement | NA | 28 Apr 2025 | 124.10 | 128.70 |
| 22 Jul 2025 | Quarterly Result Announcement | NA | 22 Jul 2025 | 135.35 | 134.40 |
| 30 Aug 2025 | Annual General Meeting | NA | 30 Aug 2025 | 126.89 | 118.11 |
| 15 Oct 2025 | Quarterly Result Announcement | NA | 15 Oct 2025 | 125.20 | 124.50 |
| 24 Oct 2025 | Dividend | ₹ 1.05 /share | 24 Oct 2025 | 124.50 | 125.10 |
Announcements
Announcement under Regulation 30 (LODR)-Press Release / Media Release9 hours ago
9 hours agoAnnouncement under Regulation 30 (LODR)-Memorandum of Understanding /Agreements9 hours ago
9 hours agoAnnouncement Under Regulation 30-Fines Levied By Stock Exchanges4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call TranscriptOct 23, 2025
Oct 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 15, 2025
Oct 15, 2025Result- Unaudited Financial Results For The Quarter And Half Year Ended 30Th September 2025Oct 15, 2025
Oct 15, 2025Corporate Action-Board approves DividendOct 15, 2025
Oct 15, 2025Board Meeting Outcome for Outcome Of Meeting Of Board Of Directors Held On Wednesday 15Th October 2025Oct 15, 2025
Oct 15, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 09, 2025
Oct 09, 2025Board Comments On Fine Levied By The ExchangesOct 09, 2025
Oct 09, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 08, 2025
Oct 08, 2025Corporate Action-Board to consider DividendOct 07, 2025
Oct 07, 2025Board Meeting Intimation for Intimation Of Board Meeting Scheduled To Be Held On Wednesday 15Th October 2025Oct 07, 2025
Oct 07, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 29, 2025
Sep 29, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 29, 2025
Sep 29, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 27, 2025
Sep 27, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseSep 26, 2025
Sep 26, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 01, 2025
Sep 01, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 30, 2025
Aug 30, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 30, 2025
Aug 30, 2025Announcement Under Regulation 30-Fines Levied By Stock ExchangesAug 30, 2025
Aug 30, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 21, 2025
Aug 21, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 19, 2025
Aug 19, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 11, 2025
Aug 11, 2025Intimation Of Non-Deal RoadshowAug 11, 2025
Aug 11, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 07, 2025
Aug 07, 2025Business Responsibility and Sustainability Reporting (BRSR)Aug 06, 2025
Aug 06, 2025Reg. 34 (1) Annual Report.Aug 06, 2025
Aug 06, 2025Notice Of 38Th Annual General MeetingAug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 04, 2025
Aug 04, 2025Disclosure Under Regulation 30 SEBI LODR 2015Jul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 22, 2025
Jul 22, 2025Unaudited Financial Results For The Quarter Ended 30Th June 2025Jul 22, 2025
Jul 22, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On Tuesday 22Nd July 2025Jul 22, 2025
Jul 22, 2025Board Comments On Fine Levied By The ExchangesJul 18, 2025
Jul 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 16, 2025
Jul 16, 2025Board Meeting Intimation for Intimation Of Board MeetingJul 14, 2025
Jul 14, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 10, 2025
Jul 10, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 10, 2025
Jul 10, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025Appointment Of Secretarial AuditorJun 25, 2025
Jun 25, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 25, 2025
Jun 25, 2025Mutual Fund Holdings
Kotak Arbitrage Fund Direct-Growth 
Aditya Birla Sun Life Arbitrage Fund Direct-Growth 
SBI Arbitrage Opportunities Fund Direct-Growth 
Invesco India Arbitrage Fund Direct-Growth 
Axis Arbitrage Fund Direct-Growth 
Bandhan Multi-Factor Fund Direct - Growth 
Tata Arbitrage Fund Direct - Growth 
UTI Arbitrage Fund Direct-Growth 
ICICI Prudential Equity Arbitrage Direct-Growth 
HDFC Arbitrage Fund Wholesale Direct-Growth 
Unifi Dynamic Asset Allocation Fund Direct - Growth 
Sundaram Nifty 100 Equal Weight Fund Direct-Growth 
JioBlackRock Nifty Next 50 Index Fund Direct-Growth 
DSP Arbitrage Fund Direct - Growth 
WhiteOak Capital Arbitrage Fund Direct-Growth 
Nippon India Arbitrage Fund Direct-Growth 
Edelweiss Arbitrage Fund Direct-Growth 
Navi Nifty Next 50 Index Fund Direct - Growth 
Baroda BNP Paribas Arbitrage Fund Direct - Growth 
Groww Nifty India Railways PSU Index Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 34.22
ATR(14)
Volatile 1.93
STOCH(9,6)
Neutral 21.73
STOCH RSI(14)
Neutral 30.27
MACD(12,26)
Bearish -0.22
ADX(14)
Weak Trend 19.48
UO(9)
Bearish 33.19
ROC(12)
Downtrend And Accelerating -3.03
WillR(14)
Oversold -81.66
About IRFC
Indian Railway Finance Corporation Limited (IRFC) is a Schedule A Public Sector Enterprise under the Ministry of Railways, Government of India. Established in 1986, IRFC's primary function is to borrow funds from financial markets to finance the acquisition and creation of assets for Indian Railways. The company leases rolling stock assets, railway infrastructure assets, and provides financing for national projects. IRFC operates on a financial leasing model, typically with 30-year lease periods for rolling stock assets. As of March 31, 2023, 86.36% of IRFC's equity was held by the President of India through the Ministry of Railways, with the remaining 13.64% held by the public. In the fiscal year 2020-21, IRFC's disbursement constituted 67.43% of the total capital outlay for Indian Railways.
Listing Date
29 Jan, 2021(4 Years,
-26 days)
Website
Chairperson NameManoj Kumar Dubey
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