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Indian Railway Finance Corp Ltd

Indian Railway Finance Corp Ltd

IRFC Share Price

NSE
₹75.653.11% (+2.28)
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With a market cap of ₹98,863 cr, stock is ranked 118

Stock is 2.12x as volatile as Nifty

IRFC Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Avg

The stock is overpriced but is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹98,863 cr, stock is ranked 118

Stock is 2.12x as volatile as Nifty

IRFC Performance & Key Metrics

IRFC Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
13.411.742.78%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
15.682.051.28%

IRFC Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
0%
Analysts have suggested that investors can buy this stock

from 1 analyst

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

IRFC Company Profile

Indian Railway Finance Corporation Ltd, located in New Delhi, India, is a financing arm of the Ministry of Railways.

IRFC Similar Stocks (Peers)

Compare with peers Compare with peers 

IRFC Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
4.06
4.06
1Y Return
21.05%
21.05%
Buy Reco %
85.71
85.71
PE Ratio
4.63
4.63
1Y Return
24.34%
24.34%
Buy Reco %
76.92
76.92
PE Ratio
174.83
174.83
1Y Return
44.67%
44.67%
Buy Reco %
80.00
80.00
PE Ratio
44.36
44.36
1Y Return
43.38%
43.38%
Buy Reco %
0.00
0.00
PE Ratio
7.25
7.25
1Y Return
38.42%
38.42%
Buy Reco %
100.00
100.00
Compare with Peers

IRFC Sentiment Analysis

IRFC Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

IRFC Stock Summary · August 2026

Management’s message was that IRFC is broadening beyond its historic single-client dependence while keeping its core rail-financing mandate intact. After launching IRFC 2.0, the company described FY27 as a consolidation year, following a diversification push last year that management said exceeded guidance on both agreements and disbursements. It pointed to a decade-plus pipeline in high-speed rail, freight corridors, metro and rapid rail, with annual disbursements from core projects estimated at about INR50,000–60,000 crore and additional metro and rapid rail potential of INR20,000–30,000 crore. Q1 was seasonally weak, with disbursements around INR2,000 crore and net interest margin at 1.48%, but management said activity should strengthen from Q2 through Q4, while full-year AUM guidance of around INR5 lakh crore remains unchanged. The company also outlined a shift toward bespoke, NBFC-style lending and a “Fund in India” platform to channel domestic and multilateral capital into mobility assets. Management said margins should improve above 1.6% by year-end and ultimately toward 2% by 2030, alongside a continued zero-NPA discipline and year-end AUM expected to be better than last year on a net basis.

IRFC Stock Growth Drivers
IRFC Stock Growth Drivers
8
  • Strong Execution and Diversification Momentum

    The company delivered a notably strong prior year, with execution exceeding guidance on both business

  • Large Multi-Year Railway and Urban Mobility Financing Pipeline

    IRFC sees a substantial long-duration growth opportunity in high-speed rail, dedicated freight corridors, metro rail,

IRFC Stock Challenges
IRFC Stock Challenges
1
  • Operational Challenges in Diversification

    The company’s move away from its historic single-client dependence has introduced execution risk and operational

end marker

IRFC Forecast

IRFC Forecasts

Price

Revenue

Earnings

IRFC

IRFC

Income

Balance Sheet

Cash Flow

IRFC Income Statement

IRFC Income Statement

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Quarterjun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026sep 2026
Total Revenue6,766.036,900.206,766.396,723.806,918.246,371.916,719.237,328.688,391.347,924.46
Operating & Other expensessubtract5,187.615,286.465,134.395,040.645,171.224,593.584,915.615,642.436,462.985,963.91
Depreciation/Amortizationsubtract1.591.091.341.291.331.351.431.941.152.07
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
EPS1.211.231.251.291.341.361.381.291.471.50

IRFC Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual report

PDF
FY 2025FY 2025

Annual report

PDF
FY 2024FY 2024

Annual report

PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 29PDF
Aug 16PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

May 24PDF
Feb 14PDF
Jan 12PDF
+3 more
FY 2021FY 2021

Annual report

PDF
 

IRFC Stock Peers

IRFC Past Performance & Peer Comparison

IRFC Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsSpecialized Finance

Loading...

StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Indian Railway Finance Corp Ltd14.101.742.78%
Power Finance Corporation Ltd4.060.615.82%
REC Limited4.630.896.47%
Piramal Finance Ltd174.831.610.55%
ScreenerCompare valuation on Screener

IRFC Stock Price Comparison

Compare IRFC with any stock or ETF
Compare IRFC with any stock or ETF
IRFC
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IRFC Holdings

IRFC Shareholdings

IRFC Promoter Holdings Trend

IRFC Promoter Holdings Trend

Decreased Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 1.75%

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

IRFC Institutional Holdings Trend

IRFC Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

IRFC Shareholding Pattern

IRFC Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding82.90%0.34%3.62%1.15%11.98%

Dec 2025

Mar 2026

Jun 2026

Sep 2026

IRFC Shareholding History

IRFC Shareholding History

JunSepDec '25MarJunSep0.93%0.97%0.98%1.17%1.18%1.15%

Mutual Funds Invested in IRFC

Mutual Funds Invested in IRFC

No mutual funds holding trends are available

Top 5 Mutual Funds holding Indian Railway Finance Corp Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.0739%0.73%-0.02%55/57 (-9)
0.0599%0.79%0.04%50/56 (-7)
0.0199%0.73%-0.02%50/57 (-4)

Compare 3-month MF holding change on Screener

IRFC Insider Trades & Bulk Stock Deals

IRFC Insider Trades & Bulk Stock Deals

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smallcases containing IRFC stock

smallcases containing IRFC stock

Looks like this stock is not in any smallcase yet.

IRFC Events

IRFC Events

IRFC Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

IRFC has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 2.86%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹28.62 every year

Dividends

Corp. Actions

Announcements

Legal Orders

IRFC Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

IRFC has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 2.86%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹28.62 every year

IRFC Upcoming Dividends

IRFC Upcoming Dividends

No upcoming dividends are available

IRFC Past Dividends

IRFC Past Dividends

Cash Dividend

Ex DateEx DateOct 23, 2026

Interim
Interim | Div/Share: ₹1.15

Dividend/Share

₹1.15

Ex DateEx Date

Oct 23, 2026

Cash Dividend

Ex DateEx DateOct 23, 2026

Interim 3
Interim 3 | Div/Share: ₹1.15

Dividend/Share

₹1.15

Ex DateEx Date

Oct 23, 2026

Cash Dividend

Ex DateEx DateMar 13, 2026

Interim 2
Interim 2 | Div/Share: ₹1.05

Dividend/Share

₹1.05

Ex DateEx Date

Mar 13, 2026

Cash Dividend

Ex DateEx DateOct 24, 2025

Interim
Interim | Div/Share: ₹1.05

Dividend/Share

₹1.05

Ex DateEx Date

Oct 24, 2025

Cash Dividend

Ex DateEx DateMar 21, 2025

Interim 2
Interim 2 | Div/Share: ₹0.80

Dividend/Share

₹0.80

Ex DateEx Date

Mar 21, 2025

IRFC Stock News & Opinions

IRFC Stock News & Opinions

Corporate
Corporate
Indian Railway Finance Corporation Ltd fixes record date for Interim dividend

Indian Railway Finance Corporation Ltd fixes record date for Interim dividend Record date is 23 October 2026 Indian Railway Finance Corporation Ltd has fixed 23 October 2026 as record date for payment of final dividend of Rs 1.15 per equity share of face value of Rs 10 each for FY 2025-26. The stock has advanced by around 7.43% in last one-week and has gained modestly by 1.65% in last one month. It has slumped by 35.66% over last one year. The average delivered quantity for the stock in last one-week was placed at 30.68%.

2 weeks agoCapital Market - Live
Corporate
Corporate
Indian Railway Finance Corporation Ltd fixes record date for Interim dividend

Indian Railway Finance Corporation Ltd fixes record date for Interim dividend Record date is 23 October 2026 Indian Railway Finance Corporation Ltd has fixed 23 October 2026 as record date for payment of final dividend of Rs 1.15 per equity share of face value of Rs 10 each for FY 2025-26. The stock has moved up by 6.19% in last one-week and is slightly lower by 0.32% in last one month. It has fallen sharply by 36.82% over last one year. The average delivered quantity for the stock in last one-week was registered at 33.91%.

2 weeks agoCapital Market - Live
Corporate
Corporate
Indian Railway Finance Corporation Ltd fixes record date for Interim 3 dividend

Indian Railway Finance Corporation Ltd fixes record date for Interim 3 dividend Record date is 23 October 2026 Indian Railway Finance Corporation Ltd has fixed 23 October 2026 as record date for payment of final dividend of Rs 1.15 per equity share of face value of Rs 10 each for FY 2025-26. The stock has moved up by 6.19% in last one-week and is slightly lower by 0.32% in last one month. It has plunged around 36.82% over last one year. The average delivered quantity for the stock in last one-week was observed at 33.91%.

2 weeks agoCapital Market - Live
Corporate
Corporate
Indian Railway Finance Corporation Ltd fixes record date for Interim 3 dividend

Indian Railway Finance Corporation Ltd fixes record date for Interim 3 dividend Record date is 23 October 2026 Indian Railway Finance Corporation Ltd has fixed 23 October 2026 as record date for payment of final dividend of Rs 1.15 per equity share of face value of Rs 10 each for FY 2025-26. The stock has edged higher by 4.73% in last one-week and is up around 0.76% in last one month. It has dropped around 35.95% over last one year. The average delivered quantity for the stock in last one-week stood at 34.91%.

2 weeks agoCapital Market - Live
Corporate
Corporate
IRFC to meet October 15 to review financials and consider interim dividend

Indian Railway Finance Corporation Ltd., a government of India enterprise, will hold a board meeting on Thursday, October 15, 2026, to consider and approve the unaudited financial results for the quarter and half year ended September 30, 2026, and to consider declaring an interim dividend for the financial year 2026-27. The record date for the interim dividend, if approved, will be Friday, October 23, 2026.

3 weeks agoCapital Market - Live
Corporate
Corporate
IRFC to meet October 15 to review financials and consider interim dividend

Indian Railway Finance Corporation Ltd., a government of India enterprise, will hold a board meeting on Thursday, October 15, 2026, to consider and approve the unaudited financial results for the quarter and half year ended September 30, 2026, and to consider declaring an interim dividend for the financial year 2026-27. The record date for the interim dividend, if approved, will be Friday, October 23, 2026.

3 weeks agoCapital Market - Live
Spotlight
Spotlight
JCR revised Indian Railway Finance Corporation Ltd.'s credit ratings and outlook via email

Indian Railway Finance Corporation Ltd announced revisions to its credit ratings and outlook, as communicated by Japan Credit Rating Agency, Ltd. (JCR) via email dated September 3, 2026, updating the long-term issuer credit rating and outlook from "888+" with a Stable outlook to "A-I" with a Stable outlook; this intimation fulfills requirements outlined in SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and other applicable regulations, and is submitted for record-keeping purposes.

1 month agoCapital Market - Live
Corporate
Corporate
IRFC appoints Pradeep Ahlawat and Manjula Mishra as Non-official Independent Directors

Indian Railway Finance Corporation Limited (IRFC) announced the appointment of Shri Pradeep Ahlawat and Mrs. Manjula Mishra as Additional Directors, designated as Non-official Independent Directors, effective August 20, 2026. Both appointments are for a period of three years or until further orders, according to a regulatory filing. Shri Ahlawat holds a bachelor's degree from Punjab University and a master's degree from Central Queensland University, while Mrs. Mishra is an MBA and has over 20 years of experience in business management and entrepreneurship. Neither director is related to any other director or key management personnel of IRFC and currently holds no shares in the company.

2 months agoCapital Market - Live
Earnings
Earnings
Indian Railway Finance Corporation standalone net profit rises 10.40% in the June 2026 quarter

Net profit of Indian Railway Finance Corporation rose 10.40% to Rs 1927.21 crore in the quarter ended June 2026 as against Rs 1745.69 crore during the previous quarter ended June 2025. Sales rose 19.43% to Rs 8242.03 crore in the quarter ended June 2026 as against Rs 6901.07 crore during the previous quarter ended June 2025. ParticularsQuarter EndedJun. 2026Jun. 2025% Var. Sales8242.036901.07 19 OPM %99.7299.53 - PBDT1928.361747.02 10 PBT1927.211745.69 10 NP1927.211745.69 10 Powered by Capital Market - Live

3 months agoCapital Market - Live
Corporate
Corporate
Indian Railway Finance Corp. to announce Quarterly Result

Indian Railway Finance Corp. will hold a meeting of the Board of Directors of the Company on 30 July 2026.

3 months agoCapital Market - Live

Frequently asked questions

  1. The share price of IRFC as on 2nd November 2026 is ₹75.65. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of Indian Railway Finance Corp Ltd (IRFC) share are
    • Past 1 week: 1.97%
    • Past 1 month: -3.01%
    • Past 3 months: -15.14%
    • Past 6 months: -27.55%
    • Past 1 year: -38.55%
    • Past 3 years: 3.56%
    • Past 5 years: 208.15%

  3. The current dividend yield of Indian Railway Finance Corp Ltd (IRFC) is 2.78.

  4. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Indian Railway Finance Corp Ltd (IRFC) is ₹98863.25 Cr as of 2nd November 2026.

  5. The 52-week high of Indian Railway Finance Corp Ltd (IRFC) is ₹137.17 and the 52-week low is ₹73.05.

  6. The P/E (price-to-earnings) ratio of Indian Railway Finance Corp Ltd (IRFC) is 14.10. The P/B (price-to-book) ratio is 1.74.

  7. Indian Railway Finance Corp Ltd (IRFC) belongs to the Financials sector & Specialized Finance sub-sector.

  8. You can directly buy Indian Railway Finance Corp Ltd (IRFC) shares on Tickertape. Simply sign up, connect your demat account and place your order.