Indian Railway Finance Corporation Limited

Web: irfc.co.in NSE: IRFC BSE: 543257 SECTOR: Financial Services - Finance

87 0(-1%)

Near 52W Low of 87

Volume

59L as on 22, Jul

Open

High

Low

VWAP

52 Week High

138

52 Week Low

Viand Research Rating

Quality Score

38/100

Growth Score

3/100

Valuation Score

25/100

Momentum Score

0/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,13,605

No. of Shares

1307

P/E

17.66

P/B

3.9

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

12.65

ROCE

Profit Growth

Listing Date

29-Jan-21

Promoter Holding

84.65%

FII Holding

1.16%

DII Holding

2.89%

Price Chart

Price Performance

1 Week2%

1 Month13%

3 Months17%

6 Months25%

1 Year35%

YTD31%

Moving Average

5 Day SMA88

10 Day SMA89

20 Day SMA90

30 Day SMA92

50 Day SMA95

61 Day SMA96

80 Day SMA97

200 Day SMA109

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	90	89	90	90
Resistance 2	90	89	89	90
Resistance 1	89	88	89	89
Pivot Point	88	88	88	88
Support 1	88	88	88	88
Support 2	87	88	88	87
Support 3	87	88	87	87

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(-1.71) 84.65%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%	(0.01) 86.36%
FIIs	(0.21) 1.16%	(0.01) 0.98%	(0.01) 0.97%	(0.01) 0.93%	(0.01) 0.98%	(-0.11) 1.01%	(0.01) 1.09%	(0.01) 1.11%	(-0.11) 1.08%	(0.01) 1.15%	(0.01) 1.14%	(0.01) 1.14%	(0.11) 1.15%	(0.01) 1.01%	(0.01) 1.05%	(-0.11) 1.02%	(0.01) 1.12%	(0.01) 1.09%	(0.01) 1.06%
DIIs	(1.41) 2.89%	(0.11) 1.54%	(0.01) 1.48%	(0.11) 1.45%	(0.11) 1.34%	(0.21) 1.24%	(0.01) 1.08%	(0.21) 1.08%	(-0.31) 0.89%	(-0.51) 1.15%	(-0.41) 1.63%	(-0.61) 2.02%	(-0.41) 2.62%	(-0.41) 2.97%	(0.11) 3.39%	(0.11) 3.25%	(0.01) 3.18%	(0.01) 3.20%	(0.01) 3.18%
Public	11.29%	11.10%	11.17%	11.24%	11.32%	11.40%	11.48%	11.45%	11.68%	11.34%	10.88%	10.49%	9.87%	9.66%	9.19%	9.36%	9.33%	9.34%	9.40%
No. of Shareholders	5,113,569	5,169,331	5,317,981	5,451,172	5,635,775	5,540,767	5,500,054	5,108,893	4,526,341	3,251,993	2,703,000	1,805,740	1,634,919	1,605,726	1,459,497	1,490,302	1,515,226	1,519,487	1,477,212

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Sales	7336	6661	6372	6915	6723	6763	6900	6766	6475	6737	6761	6679	6194	6218	5810	5627	5932	5096	4690
Sales Growth % (YoY)	9.1%	-1.5%	-7.6%	2.2%	3.8%	0.4%	2%	1.3%	4.5%	8.3%	16.4%	18.7%	4.4%	22%	23.9%	22.8%	33.2%	29.6%	26.3%
Sales Growth % (QoQ)	10.1%	4.5%	-7.9%	2.9%	-0.6%	-2%	2%	4.5%	-3.9%	-0.4%	1.2%	7.8%	-0.4%	7%	3.3%	-5.1%	16.4%	8.7%	-
Expenses	118	104	49	47	44	39	38	33	34	35	34	29	47	31	34	23	82	9	28
Operating Profit	1694	1746	1778	1744	1683	1629	1613	1578	1716	1597	1546	1559	1252	1633	5776	5605	5849	5087	4662
OPM %	23	26	28	25	25	24	23	23	26	24	23	23	20	26	99	100	99	100	99
Other Income	-7	58	0	3	1	3	1	0	3	3	1	2	36	4	1	0	1	1	0
Interest	5524	4812	4544	5124	4996	5095	5249	5155	4725	5104	5181	5091	4895	4554	4059	3940	4353	3491	3157
Depreciation	2	1	1	1	1	1	1	2	2	1	2	4	3	4	4	4	5	3	3
Profit before tax	1684	1802	1777	1746	1682	1631	1613	1577	1717	1599	1545	1557	1285	1633	1714	1662	1493	1594	1501
Tax %	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Profit	1684	1802	1777	1746	1682	1631	1613	1577	1717	1599	1545	1557	1285	1633	1714	1662	1492	1594	1501
Net Profit Growth % (QoQ)	-6.5%	1.4%	1.8%	3.8%	3.1%	1.1%	2.3%	-8.2%	7.4%	3.5%	-0.8%	21.2%	-21.3%	-4.7%	3.1%	11.4%	-6.4%	6.2%	-
Net Profit Growth % (YoY)	0.1%	10.5%	10.2%	10.7%	-2%	2%	4.4%	1.3%	33.6%	-2.1%	-9.9%	-6.3%	-13.9%	2.4%	14.2%	-	-	-	-
TTM Net Profit	7009	7007	6836	6672	6503	6538	6506	6438	6418	5986	6020	6189	6294	6501	6462	6249	4587	3095	0
EPS in Rs	1.29	1.38	1.36	1.34	1.29	1.25	1.23	1.21	1.31	1.22	1.18	1.19	0.98	1.25	1.31	1.27	1.14	1.22	1.15

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	27285	27153	26650	23892	20299	15771	13421	11134	9267	9047	7507	6939	6197	5550
Sales Growth %	0.5%	1.9%	11.5%	17.7%	28.7%	17.5%	20.6%	20.1%	2.4%	20.5%	8.2%	12%	11.7%	19.6%
Expenses	318	154	133	134	123	113	66	48	38	26	38	34	19	22
Operating Profit	6962	6504	6415	6310	6102	4420	3192	2902	2592	2133	1950	1914	1572	5528
OPM %	26	24	24	26	30	28	24	26	28	24	26	28	25	100
Other Income	53	3	6	41	2	0	0	0	1	0	1	1	1	2
Interest	20005	20495	20101	17447	14075	11237	10163	8183	6638	6888	5519	4992	4607	4075
Depreciation	6	5	9	14	14	4	0	0	0	0	0	0	0	0
Profit before tax	7009	6502	6412	6337	6090	4416	3192	2902	2592	2133	1950	1914	1572	1454
Tax %	0	0	0	0	0	0	0	22	21	56	56	60	55	64
Net Profit	7009	6502	6412	6337	6090	4416	3192	2255	2055	934	849	758	701	522
Net Profit Growth %	7.8%	1.4%	1.2%	4.1%	37.9%	38.3%	41.6%	9.7%	120%	10%	12%	8.1%	34.3%	-
EPS in Rs	5.36	4.98	4.91	4.85	4.66	3.38	2.69	2.4	3.15	143.08	187.5	211.58	209.04	221.76
Dividend Payout %	0	32	31	31	30	31	0	18	18	40	40	20	6	21

Cash Flows

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016
Cash from Operating Activity	8230	7914	-28584	-64412	-89907	-62701	-41748	-28076	-19455	-16378
Cash from Investing Activity	0	-8	0	-5	0	1	1	2	2	2
Cash from Financing Activity	-2572	-8046	28643	64266	90202	62697	41749	28075	18250	17582
Net Cash Flow	5658	-140	60	-151	296	-2	3	0	-1204	1206

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	13069	13069	13069	13069	13069	13069	13069	13069	11880	9380	6526	6526	4526	3584	3352	2352
Reserves	43680	43125	39599	38396	36110	32402	27928	22845	18419	15648	7402	5483	6999	5098	4210	4042
Borrowings	0	0	0	403111	0	0	0	0	0	0	0	0	0	0	0	58753
Other Liabilities	23457	40186	24034	39773	23865	26742	20544	21423	10828	7642	13534	11245	9372	7696	6451	5608
Total Liabilities	516676	503996	488835	494348	485082	491147	449980	380482	275504	206604	161468	129650	108400	87647	83930	70755
Fixed Assets	28	20	18	23	22	19	38	45	11	11	11	12	12	12	13	13
CWIP	0	0	4	0	4	0	0	0	0	0	0	0	0	0	0	0
Investments	28	42	38	56	54	14	10	12	12	13	14	8	8	9	11	13
Other Assets	516620	503935	488775	494269	485003	491114	449932	380424	275482	206579	161443	129630	108381	87626	83906	70729
Total Assets	516676	503996	488835	494348	485082	491147	449980	380482	275504	206604	161468	129650	108400	87647	83930	70755

OI Chart

Price

Delivery

#	Date	87 19% 104	Value (Cr)	Q/T 279	Del 37	Del 150
1	22-Jul	87	52	140	44	23
2	21-Jul	88	47	152	38	18
3	20-Jul	89	53	150	38	20
4	17-Jul	88	45	169	40	18
5	16-Jul	88	55	136	38	21
6	15-Jul	89	65	204	31	20
7	14-Jul	89	59	147	48	28
8	13-Jul	90	55	144	40	22
9	10-Jul	90	81	228	43	35
10	9-Jul	88	62	165	40	25
11	8-Jul	88	124	167	46	57
12	7-Jul	90	62	146	49	30
13	6-Jul	90	72	158	40	29
14	3-Jul	91	108	206	51	55
15	2-Jul	91	108	210	47	50
16	1-Jul	91	125	241	37	46
17	30-Jun	91	193	307	53	102
18	29-Jun	91	177	84	40	72
19	25-Jun	92	465	474	41	192
20	24-Jun	92	753	366	38	283
21	23-Jun	99	98	182	38	38
22	22-Jun	101	103	193	39	40
23	19-Jun	100	131	238	48	63
24	18-Jun	100	109	219	33	36
25	17-Jun	100	198	276	29	57
26	16-Jun	98	67	189	35	23
27	15-Jun	97	106	219	41	44
28	12-Jun	96	94	229	34	32
29	11-Jun	93	87	188	32	28
30	10-Jun	95	136	250	30	41
31	9-Jun	96	65	191	33	21
32	8-Jun	95	60	133	40	24
33	5-Jun	96	78	194	21	17
34	4-Jun	96	61	178	28	17
35	3-Jun	96	94	199	30	28
36	2-Jun	97	73	166	32	23
37	1-Jun	96	77	163	38	29
38	29-May	98	95	175	39	37
39	27-May	99	67	189	35	23
40	26-May	99	85	195	35	30
41	25-May	100	136	245	23	32
42	22-May	98	59	178	32	19
43	21-May	98	79	242	27	22
44	20-May	97	63	176	30	19
45	19-May	97	85	191	34	29
46	18-May	98	126	188	31	39
47	15-May	99	133	217	30	40
48	14-May	100	186	275	23	42

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	1,13,605c	405c	0.36
22-Jul	1,14,010c	1,255c	1.09
21-Jul	1,15,264c	209c	0.18
17-Jul	1,15,473c	52c	0.05
16-Jul	1,15,526c	784c	0.67
15-Jul	1,16,310c	209c	0.18
14-Jul	1,16,101c	1,150c	0.98
13-Jul	1,17,251c	327c	0.28
10-Jul	1,16,924c	1,607c	1.39
09-Jul	1,15,317c	810c	0.71
08-Jul	1,14,506c	2,888c	2.46
07-Jul	1,17,394c	562c	0.48
06-Jul	1,17,956c	1,176c	0.99
02-Jul	1,19,133c	52c	0.04
01-Jul	1,19,185c	627c	0.53
30-Jun	1,18,558c	510c	0.43
29-Jun	1,19,067c	810c	0.68
26-Jun	1,19,877c	327c	0.27
25-Jun	1,20,204c	274c	0.23
24-Jun	1,20,479c	8,076c	6.28
23-Jun	1,28,555c	3,241c	2.46
22-Jun	1,31,796c	1,451c	1.11
19-Jun	1,30,345c	405c	0.31
18-Jun	1,30,750c	497c	0.38
17-Jun	1,31,247c	3,607c	2.83
16-Jun	1,27,640c	876c	0.69
15-Jun	1,26,765c	1,307c	1.04
12-Jun	1,25,458c	2,901c	2.37
11-Jun	1,22,556c	3,136c	2.50
10-Jun	1,25,693c	0	0

Stock Checklist

Price is below from 52 week high low average: 98%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 459 fund scheme(s) across 44 fund house(s) as of Jul26 · Total value ₹70,416 Cr · 74 increasing / 32 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
HDFC Mutual Fund	40	267.38%	+3.81%	18647
Bandhan Mutual Fund	28	430.97%	-	11157.7
Aditya Birla Sun Life Mutual Fund	26	1947.61%	-	10711.8
Nippon India Mutual Fund	24	511.00%	-	7665
ICICI Prudential Mutual Fund	22	8.92%	+8.10%	4695.9
UTI Mutual Fund	20	23.53%	-	3087.4
HSBC Mutual Fund	14	789.83%	-	2337.9
Tata Mutual Fund	16	67.44%	-	2278.2
Axis Mutual Fund	22	99.63%	-	1864.1
DSP Mutual Fund	18	62.99%	-	1343
SBI Mutual Fund	6	30.18%	-	1224.2
Invesco Mutual Fund	7	9.37%	-	1124.5
Kotak Mahindra Mutual Fund	22	14.93%	+4.28%	630.3
Edelweiss Mutual Fund	10	95.79%	-	490.4
Union Mutual Fund	12	7.69%	-	457.3
Sundaram Mutual Fund	10	130.82%	+0.05%	371.5
LIC Mutual Fund	16	173.93%	-	358.3
Baroda BNP Paribas Mutual Fund	16	5.02%	-	270.5
ICICI Prudential Asset Management Company Limited	4	0.67%	+1.81%	264
Bank of India Mutual Fund	11	8.89%	-	239.2
WhiteOak Capital Mutual Fund	10	0.48%	+0.53%	192.8
Mirae Asset Mutual Fund	16	73.58%	-	170.7
Aditya Birla Sun Life AMC Limited	4	2.86%	+4.30%	134.7
Canara Robeco Mutual Fund	8	5.37%	-	130.7
Bajaj Finserv Mutual Fund	4	164.03%	+9.57%	101.7
Franklin Templeton Mutual Fund	2	15.77%	+7.80%	101.4
Trust Mutual Fund	4	34.99%	+14.84%	79.1
PGIM India Mutual Fund	6	33.69%	-	54.9
Groww Mutual Fund	10	34.24%	-	42.5
JM Financial Mutual Fund	6	7.81%	+0.45%	35
Sundaram Asset Management Company Ltd	1	10.89%	+10.89%	30
Jio BlackRock Mutual Fund	3	16.24%	-	26.6
Navi Mutual Fund	8	0.85%	-	20.3
PGIM India Asset Management Private Limite	2	9.54%	+16.06%	16.8
ITI Mutual Fund	4	9.33%	+7.62%	16
Motilal Oswal Mutual Fund	8	1.66%	-	15
360 ONE Mutual Fund	4	0.59%	-	11.7
Mahindra Manulife Mutual Fund	2	0.89%	+0.89%	10
The Wealth Company Mutual Fund	2	4.44%	-	4
PPFAS Mutual Fund	2	0.15%	-	2.2
Zerodha Mutual Fund	3	0.06%	-0.01%	1.2
Shriram Mutual Fund	2	0.15%	-	0.4
Angel One Mutual Fund	2	0.10%	-	0.1
Quantum Mutual Fund	2	0.00%	-5.57%	0

Indian Railway Finance Corporation Limited

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