Indian Railway Finance Corporation Limited share price

Indian Railway Finance Corporation Limited engages in leasing of rolling stock and railway infrastructure assets in India. The company also engages in lending business to other entities under the Ministry of Railways; and borrowing funds from commercial markets, financial markets to finance the acquisition/creation of assets that are leased out to the Indian Railways. Indian Railway Finance Corporation Limited was incorporated in 1986 and is based in New Delhi, India.Read more

Website NSE हिंदी में BSE

Financial ServicesCredit ServicesNifty Next 50 Nifty 100 Nifty 500NSE: IRFCISIN INE053F01010

16 Oct 2026, 3:29 PM IST₹80.25▲ 1.35 (1.71%)

Market Cap₹ 1,04,875 Cr.
Current Price₹ 80.25
High / Low₹ 137 / 74
Stock P/E14.2
Book Value₹ 43
Dividend Yield2.66 %
Price / Book1.85
ROE12.80 %
Face Value₹ 10.0

More figures (8)

EPS (TTM)₹ 5.64
Net margin25.9 %
Sales growth (5Y)11.6 %
Profit growth (5Y)9.7 %
Promoter holding82.9 %
EV / EBITDA—
Beta0.31
All-time high₹ 229

Price chart

Price on NSE 50 DMA 200 DMA Volume

Returns	1M	3M	6M	YTD	1Y	3Y CAGR	5Y CAGR
IRFC	+1.65%	-9.23%	-22.27%	-35.60%	-35.66%	+1.70%	+26.97%
Nifty 50	-0.31%	-3.85%	-4.34%	-11.42%	-9.53%	+5.46%	+4.76%

Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.

Quick take

Indian Railway Finance Corporation Limited is in the Credit Services industry (Financial Services), with a market value of ₹1,04,875 crore.
It trades at 14.2 times its last 12 months' earnings and 1.8 times book value.
Revenue grew 11.6% a year over the last 5 years, profit 9.7% a year.
Return on equity was 12.8% in the latest year.
The share price is 41.5% below its 52-week high and down 35.7% over one year.
Promoters and insiders hold about 82.9%; institutions about 4.9%.

Pros

Trades at 14.2 times earnings, below its 3-year median of 24.8.
Pays a healthy dividend: about 39% of profit last year.

Cons

Latest quarter (Sep 2026): profit fell 44% from a year ago.
Promoter holding has fallen by 3.46 points over 3 years, to 82.90%.

Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.

AI analysis

Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.

About Indian Railway Finance Corporation Limited

Employees: 59
Head office: New Delhi
NSE industry: Financial Services

Financial ServicesFinancial ServicesCredit Services

Part ofNifty Next 50 Nifty 100 Nifty 500

S.No.	Company	CMP ₹	P/E	Mar Cap ₹ Cr	Div Yld %	NP Qtr ₹ Cr	Qtr Profit Var %	Sales Qtr ₹ Cr	Qtr Sales Var %	ROCE %	ROE %	P/B	OPM %	Debt / Eq	Prom. Hold. %	Sales ₹ Cr	Sales Var 3Yrs %
1.	Indian Railway Finance Corporation	80.25	14.2	1,04,875	2.66	1,958	-44.40	7,866	-40.80	3.8	12.8	1.85	64.8	7.69	82.90	27,285	11.6
2.	Bajaj Finance	982.10	29.4	6,11,250	0.56	5,986	27.37	14,171	21.20	—	18.1	5.36	—	3.10	56.50	49,665	22.6
3.	Shriram Finance	939.95	16.6	2,21,178	1.14	3,453	61.06	7,923	30.61	—	16.4	2.68	—	2.76	22.17	25,034	13.9
4.	Tata Capital	322.80	25.3	1,36,115	0.18	1,547	47.13	8,404	15.31	3.7	12.3	2.97	28.9	4.97	85.96	29,745	34.5
5.	Cholamandalam Investment and Finance Company	1,574.40	23.3	1,35,007	0.13	1,656	45.56	8,856	21.87	—	19.3	4.40	—	6.95	51.95	31,073	32.8
6.	Power Finance Corporation	333.25	4.2	1,09,976	4.56	8,998	0.18	28,527	-0.04	—	20.7	0.77	—	7.62	56.00	1,15,444	16.2
7.	Muthoot Finance	2,598.30	9.2	1,04,314	1.15	2,799	38.83	5,236	27.38	—	30.9	2.57	—	3.86	73.35	20,265	38.0
8.	REC	307.80	5.1	81,051	4.39	4,193	-2.72	4,430	-31.54	—	20.0	0.96	—	6.05	52.65	21,834	14.4
9.	L&T Finance	253.85	18.6	63,625	1.05	902	41.86	3,086	32.29	—	11.1	2.26	—	3.94	65.95	10,635	17.7
10.	SBI Cards and Payment Services	564.20	23.6	53,692	0.44	664	24.39	4,064	5.80	—	14.7	3.42	—	2.81	68.58	15,627	13.5
	Median: 26 Co.	448.73	16.4	42,880	0.62	2,379	33.10	7,895	18.26	3.8	14.3	2.00	39.0	4.46	61.23	26,159	16.6

Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.

Quarterly Results

Standalone figures in ₹ crore

₹ Cr	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	6,767	6,745	6,474	6,766	6,900	6,763	6,723	6,915	13,287	6,661	7,336	8,261	7,866
YOY Revenue Growth %	16.48%	8.48%	3.80%	1.29%	1.95%	0.27%	3.85%	2.21%	92.58%	-1.51%	9.12%	19.46%	-40.80%
Interest	5,181	5,104	4,725	5,155	5,249	5,095	4,996	5,124	9,669	4,812	5,524	6,421	5,917
	36	37	36	34	39	41	46	48	99	105	120	43	49
Employee Cost %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Credit Cost %	0%	0%	0%	0%	0%	0%	0%	0%	0%	1%	1%	0%	0%
Other Expenses %	0%	0%	0%	0%	0%	1%	1%	1%	1%	1%	1%	0%	1%
Financing Profit	1,550	1,604	1,713	1,576	1,612	1,628	1,681	1,743	3,520	1,744	1,692	1,797	1,900
Financing Margin %	23%	24%	26%	23%	23%	24%	25%	25%	26%	26%	23%	22%	24%
Other Income			4	0	1	3	1	3	3	58	-7	130	58
Depreciation	2	1	2	2	1	1	1	1	3	1	2	1	2
Profit before tax	1,550	1,604	1,717	1,577	1,613	1,631	1,682	1,746	3,523	1,802	1,684	1,927	1,958
	1,550	1,604	1,717	1,577	1,613	1,631	1,682	1,746	3,523	1,802	1,684	1,927	1,958
YOY Profit Growth %	-9.59%	-1.79%	29.35%	1.30%	4.05%	1.65%	-2.06%	10.71%	118.44%	10.52%	0.15%	10.40%	-44.40%
EPS in Rs	1.20	1.23	1.32	1.21	1.23	1.25	1.29	1.34	2.70	1.38	1.29	1.47	1.50
Raw filing

Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.

Profit & Loss

Standalone figures in ₹ crore

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	15,770	20,299	23,892	26,645	27,152	27,285	30,125
YOY Revenue Growth %		28.72%	17.70%	11.52%	1.90%	0.49%
Interest	11,237	14,075	17,447	20,101	20,495	20,005	22,675
	118	137	148	142	159	324	317
Employee Cost %	0%	0%	0%	0%	0%	0%	0%
Credit Cost %	0%	0%	0%	0%	0%	0%	0%
Other Expenses %	1%	1%	1%	0%	1%	1%	1%
Financing Profit	4,416	6,088	6,296	6,402	6,498	6,956	7,133
Financing Margin %	28%	30%	26%	24%	24%	25%	24%
Other Income	0	2	41	11	4	53	239
Depreciation	4	14	14	9	5	6	7
Profit before tax	4,416	6,090	6,337	6,412	6,502	7,009	7,372
		0%
Current tax		0
	4,416	6,090	6,337	6,412	6,502	7,009	7,372
YOY Profit Growth %		37.90%	4.06%	1.18%	1.40%	7.80%
EPS in Rs	3.66	4.66	4.85	4.91	4.98	5.36	5.64
Dividend Payout %			29%	31%	46%	39%

Compounded Sales Growth

5 Years:: 12%
3 Years:: 5%
TTM:: -11%

Compounded Profit Growth

5 Years:: 10%
3 Years:: 3%
TTM:: -14%

Stock Price CAGR

5 Years:: 27%
3 Years:: 2%
1 Year:: -36%

Return on Equity

4 Years:: 13%
Last Year:: 13%

Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.

Balance Sheet

Consolidated figures in ₹ crore, as at 31 March

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	13,069	13,069	13,069	13,069
Reserves	31,612	36,110	39,599	43,680
	4,18,935	4,12,039	4,12,133	4,36,471
Long term borrowings	3,94,952	3,99,383	3,94,467	4,05,185
Short term borrowings	23,977	12,649	17,662	31,285
	26,744	23,865	24,034	23,457
Trade payables	9,534	10,181	10,812	11,473
Current liabilities	49,713	34,502	40,200	53,133
Total Liabilities	4,90,359	4,85,082	4,88,835	5,16,676
	18	21	17	18
Gross block	23	29	26	29
Accumulated depreciation	5	7	9	11
Goodwill & intangibles	1	5	4	10
	4,90,341	4,85,061	4,88,818	5,16,659
Cash & equivalents	163	23	5,680	211
Current assets	35,013	33,580	43,392	48,050
Total Assets	4,90,359	4,85,082	4,88,835	5,16,676

Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.

Cash Flows

Consolidated figures in ₹ crore, financial years ending March

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-28,588	7,914	8,230	-27,026
Profit for the year	6,167	6,412	6,502	7,009
Working capital changes	-35,137	1,341	1,653	-34,106
Direct taxes paid	269	24	-46	215
	0	-8	-0	-3
Fixed assets purchased	-1	-8	-1	-13
Fixed assets sold	0	0		0
Investments sold	0			10
	28,644	-8,046	-2,572	21,560
Proceeds from borrowings	30,525	9,000	23,740	24,306
Repayment of borrowings		-15,086	-23,312
Interest paid				-0
Dividends paid	-1,869	-1,960	-3,006	-2,744
Net Cash Flow	56	-140	5,658	-5,469
Free Cash Flow	-28,589	7,906	8,229	-27,040

Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.

Ratios

Ratio	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE	13.8%	13.7%	12.8%	12.8%
Net margin	26.1%	24.2%	24.0%	25.9%

Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.

Shareholding Pattern

Numbers in percentages · as filed with NSE each quarter

Promoters 82.90%
FIIs 1.15%
DIIs 3.97%
Public 11.98%

%	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	86.36%	84.65%	82.90%	82.90%
	1.15%	1.08%	1.11%	1.09%	1.01%	0.98%	0.93%	0.97%	0.98%	1.17%	1.18%	1.15%
Foreign portfolio investors (Cat. I)	1.12%	1.06%	1.09%	1.08%	1.01%	0.98%	0.93%	0.97%	0.97%	1.16%	1.17%	1.13%
Foreign portfolio investors (Cat. II)	0.03%	0.02%	0.02%	0.01%					0.01%			0.02%
	1.16%	0.89%	1.07%	1.08%	1.24%	1.34%	1.46%	1.49%	1.55%	2.89%	3.97%	3.97%
Mutual funds	0.40%	0.18%	0.55%	0.15%	0.24%	0.21%	0.25%	0.31%	0.36%	0.27%	0.30%	0.34%
Insurance companies	0.75%	0.71%	0.52%	0.88%	0.95%	1.08%	1.15%	1.12%	1.12%	2.56%	3.59%	3.57%
Banks			0.01%	0.01%							0.04%	0.04%
Provident & pension funds				0.04%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.04%
Alternative investment funds											0.01%	0.01%
	11.33%	11.67%	11.45%	11.46%	11.39%	11.32%	11.24%	11.18%	11.11%	11.29%	11.95%	11.98%
Retail (up to ₹2 lakh)	8.58%	9.40%	9.35%	9.62%	9.63%	9.70%	9.56%	9.60%	9.51%	9.68%	10.10%	10.21%
HNIs (above ₹2 lakh)	1.97%	1.58%	1.45%	1.25%	1.16%	0.98%	1.02%	1.03%	1.06%	1.02%	1.15%	1.14%
NRIs	0.23%	0.21%	0.22%	0.21%	0.21%	0.20%	0.20%	0.20%	0.20%	0.21%	0.22%	0.23%
Bodies corporate	0.28%	0.23%	0.18%	0.16%	0.14%	0.14%	0.15%	0.14%	0.12%	0.13%	0.18%	0.12%
No. of Shareholders	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	50,13,659

Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.

Mutual funds & institutions holding Indian Railway Finance Corporation

No single fund or institution holds more than 1%.

As named in the shareholding pattern for Sep 2026 filed with NSE; mutual funds together hold 0.34% of the company. Shareholders below 1% are not named in the filing.

Documents

Announcements

All announcements on NSE →

Annual reports

Credit ratings

Concalls & investor meets

Filings made by the company with NSE; documents open on NSE's website.

Key dates

Results announced: 15 Oct 2026
Ex-dividend date: 23 Oct 2026
Latest quarter: 30 Jun 2026
Financial year end: 31 Mar 2026

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Latest news

In the news

From the company (NSE)

Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.

Questions about Indian Railway Finance Corporation Limited

What is the share price of Indian Railway Finance Corporation Limited today?

Indian Railway Finance Corporation Limited (IRFC) last traded at ₹80.25 on NSE (16 Oct 2026, 3:29 PM IST). Prices may be delayed.

What is the market cap of Indian Railway Finance Corporation Limited?

About ₹1,04,875 crore at the latest price.

What is the P/E ratio of Indian Railway Finance Corporation Limited?

About 14.2 times its earnings over the last 12 months.

Is Indian Railway Finance Corporation Limited a good investment?

We do not give views on individual shares. Whether any share suits you depends on your goals, time horizon and risk appetite; for long-term goals, a diversified mutual fund is often a simpler way to own shares. Investments in securities markets are subject to market risks.

How can I buy Indian Railway Finance Corporation Limited shares?

You need a trading and demat account with a SEBI-registered stock broker. We can help you open one through Parshvanath Investments, an Authorised Person of Master Capital Services Ltd (SEBI Reg. INZ000210539). We provide execution and account service only, not tips or research.

Important. Prices from NSE via Yahoo Finance. Quarterly and annual results, shareholding and documents are taken from the filings the company made with NSE; balance sheet, cash flow and valuation figures are compiled by Yahoo Finance; ratios are computed by us from them. Figures may be delayed or revised. This page is for information only: it is not research, a recommendation or an offer to buy or sell any security. Investments in securities markets are subject to market risks; read all related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934); share broking is offered through Parshvanath Investments, Authorised Person of Master Capital Services Ltd (SEBI Reg. INZ000210539).

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