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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

WebsiteNSEBSE

Financial ServicesCredit ServicesNifty Next 50Nifty 100Nifty 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

Returns1M3M6MYTD1Y3Y CAGR5Y 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

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.

Employees
59
Head office
New Delhi
NSE industry
Financial Services

Peer comparison

CompanyMarket cap (₹ Cr)P/EP/BROEOPMSales CAGRDiv. yield
Indian Railway Finance Corporation LimitedIRFC1,04,87514.21.8512.8%64.8%+4.6%2.66%
HDFC Bank LimitedHDFCBANK11,23,77615.91.858.9%—+16.9%1.79%
ICICI Bank LimitedICICIBANK10,02,96818.12.6316.0%—+18.1%0.86%
State Bank of IndiaSBIN8,88,55410.31.4315.4%—+12.2%1.81%
Kotak Mahindra Bank LimitedKOTAKBANK4,45,06821.92.4611.4%—+13.5%0.15%
Axis Bank LimitedAXISBANK4,01,67714.51.8013.1%—+12.2%0.08%
BSE LimitedBSE1,36,58148.917.3245.0%65.9%+76.5%0.29%
Punjab National BankPNB1,33,6636.10.8513.0%—+10.0%2.61%
Union Bank of IndiaUNIONBANK1,31,0546.30.9415.7%—+7.6%2.90%
Bank of Baroda LimitedBANKBARODA1,19,1486.60.7112.7%—+10.3%3.73%

Companies in the same industry (Credit Services). Tap a heading to sort. Sorting is a way to explore data, not a recommendation.

Quarterly Results

Standalone figures in ₹ crore

₹ CrSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
6,7676,7456,4746,7666,9006,7636,7236,91513,2876,6617,3368,2617,866
Interest5,1815,1044,7255,1555,2495,0954,9965,1249,6694,8125,5246,4215,917
3637363439414648991051204349
Financing Profit1,5501,6041,7131,5761,6121,6281,6811,7433,5201,7441,6921,7971,900
Financing Margin %23%24%26%23%23%24%25%25%26%26%23%22%24%
Other Income401313358-713058
Depreciation2122111131212
Profit before tax1,5501,6041,7171,5771,6131,6311,6821,7463,5231,8021,6841,9271,958
1,5501,6041,7171,5771,6131,6311,6821,7463,5231,8021,6841,9271,958
EPS in Rs1.201.231.321.211.231.251.291.342.701.381.291.471.50
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

₹ CrMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
15,77020,29923,89226,64527,15227,28530,125
Interest11,23714,07517,44720,10120,49520,00522,675
118137148142159324317
Financing Profit4,4166,0886,2966,4026,4986,9567,133
Financing Margin %28%30%26%24%24%25%24%
Other Income024111453239
Depreciation414149567
Profit before tax4,4166,0906,3376,4126,5027,0097,372
0%
4,4166,0906,3376,4126,5027,0097,372
EPS in Rs3.664.664.854.914.985.365.64
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

₹ CrMar 2023Mar 2024Mar 2025Mar 2026
Equity Capital13,06913,06913,06913,069
Reserves31,61236,11039,59943,680
4,18,9354,12,0394,12,1334,36,471
26,74423,86524,03423,457
Total Liabilities4,90,3594,85,0824,88,8355,16,676
18211718
4,90,3414,85,0614,88,8185,16,659
Total Assets4,90,3594,85,0824,88,8355,16,676

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

₹ CrMar 2023Mar 2024Mar 2025Mar 2026
-28,5887,9148,230-27,026
0-8-0-3
28,644-8,046-2,57221,560
Net Cash Flow56-1405,658-5,469
Free Cash Flow-28,5897,9068,229-27,040

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

Ratios

RatioMar 2023Mar 2024Mar 2025Mar 2026
ROE13.8%13.7%12.8%12.8%
Net margin26.1%24.2%24.0%25.9%

Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities).

Shareholding Pattern

Numbers in percentages · as filed with NSE each quarter

  • Promoters 82.90%
  • FIIs 1.15%
  • DIIs 3.97%
  • Public 11.98%
%Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters86.36%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%
1.16%0.89%1.07%1.08%1.24%1.34%1.46%1.49%1.55%2.89%3.97%3.97%
11.33%11.67%11.45%11.46%11.39%11.32%11.24%11.18%11.11%11.29%11.95%11.98%
No. of Shareholders32,51,99345,26,34151,08,89355,00,05455,40,76756,35,77554,51,17253,17,98151,69,33151,13,56950,86,48850,13,659

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

Documents

Announcements

All announcements on NSE →

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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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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