Indian Railway Finance Corporation Limited

Web: irfc.co.in NSE: IRFC BSE: 543257 SECTOR: Financial Services - Finance | Add Note | View Notes

77 2(-2%)

Near 52W Low of 74

Volume

2c as on 16, Oct

Open

High

Low

VWAP

52 Week High

137

52 Week Low

Viand Research Rating

Quality Score

45/100

Growth Score

4/100

Valuation Score

25/100

Momentum Score

20/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,00,366

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

Rank/Sector Rank

#112/#28

Promoter Holding

82.9%

FII Holding

1.15%

DII Holding

3.96%

Price Chart

Price Performance

1 Week7%

1 Month2%

3 Months9%

6 Months22%

1 Year36%

YTD36%

Moving Average

5 Day SMA79

10 Day SMA77

20 Day SMA79

30 Day SMA79

50 Day SMA82

61 Day SMA83

80 Day SMA85

200 Day SMA97

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	82	79	81	82
Resistance 2	81	79	80	81
Resistance 1	80	79	80	80
Pivot Point	79	79	79	79
Support 1	78	79	79	78
Support 2	78	79	78	78
Support 3	76	78	78	77

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	10,90,018	707	3%	1%	8%	27%	15	39.3	0	74671
2	ICICIBANK	9,94,400	1385	3%	3%	4%	0%	16	39.3	0	50147
3	SBIN	8,88,923	963	0%	3%	10%	6%	11	39.3	0	80032
4	BAJFINANCE	5,76,492	926	2%	2%	8%	9%	28	39.3	0	17804
5	LICI	4,95,943	392	1%	1%	53%	55%	9	39.3	0	57419
6	KOTAKBANK	4,35,518	438	1%	8%	18%	80%	20	39.3	0	19288
7	AXISBANK	3,76,778	1210	2%	4%	4%	5%	15	39.3	0	24457
8	BAJAJFINSV	2,70,748	1690	0%	6%	6%	19%	13	39.3	5.52	19669
9	SHRIRAMFIN	2,12,939	905	0%	4%	8%	35%	21	39.3	0	10024
10	SBILIFE	1,66,666	1661	2%	2%	16%	10%	70	39.3	0	2470
Load More

Shareholding Pattern (%)

	Sep 2026	Jun 2026	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	(0.01) 82.90%	(-1.81) 82.90%	(-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	(0.01) 1.15%	(0.01) 1.17%	(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	(0.01) 3.96%	(1.11) 3.98%	(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	11.99%	11.94%	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	5,013,659	5,086,488	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

	Sep 2026	Jun 2026	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	7866	8261	7336	6661	6372	6915	6723	6763	6900	6766	6475	6737	6761	6679	6194	6218	5810	5627	5932	5096	4690
Sales Growth % (YoY)	23.4%	19.5%	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)	-4.8%	12.6%	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	47	42	118	104	49	47	44	39	38	33	34	35	34	29	47	31	34	23	82	9	28
Operating Profit	1902	1798	1694	1746	1778	1744	1683	1629	1613	1578	1716	1597	1546	1559	1252	1633	5776	5605	5849	5087	4662
OPM %	24	22	23	26	28	25	25	24	23	23	26	24	23	23	20	26	99	100	99	100	99
Other Income	58	130	-7	58	0	3	1	3	1	0	3	3	1	2	36	4	1	0	1	1	0
Interest	5917	6421	5524	4812	4544	5124	4996	5095	5249	5155	4725	5104	5181	5091	4895	4554	4059	3940	4353	3491	3157
Depreciation	2	1	2	1	1	1	1	1	1	2	2	1	2	4	3	4	4	4	5	3	3
Profit before tax	1958	1927	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	0	0
Net Profit	1958	1927	1684	1802	1777	1746	1682	1631	1613	1577	1717	1599	1545	1557	1285	1633	1714	1662	1492	1594	1501
Net Profit Growth % (QoQ)	1.6%	14.4%	-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)	10.2%	10.4%	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	7371	7190	7009	7007	6836	6672	6503	6538	6506	6438	6418	5986	6020	6189	6294	6501	6462	6249	4587	3095	0
EPS in Rs	1.5	1.47	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	4	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	1.43	1.87	2.12	209.04	221.76
Dividend Payout %	39	32	31	31	30	31	0	18	18	40	40	20	6	21

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016
Cash from Operating Activity	-27026	8230	7914	-28584	-64412	-89907	-62701	-41748	-28076	-19455	-16378
Cash from Investing Activity	-3	0	-8	0	-5	0	1	1	2	2	2
Cash from Financing Activity	21560	-2572	-8046	28643	64266	90202	62697	41749	28075	18250	17582
Net Cash Flow	-5469	5658	-140	60	-151	296	-2	3	0	-1204	1206

Balance Sheet

	Sep 2026	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	13069	11880	9380	6526	6526	4526	3584	3352	2352
Reserves	47505	43680	43125	39599	38396	36110	32402	27928	22845	18419	15648	7402	5483	6999	5098	4210	4042
Borrowings	0	0	0	0	403111	0	0	0	0	0	0	0	0	0	0	0	58753
Other Liabilities	35920	23457	40186	24034	39773	23865	26742	20544	21423	10828	7642	13534	11245	9372	7696	6451	5608
Total Liabilities	527977	516676	503996	488835	494348	485082	491147	449980	380482	275504	206604	161468	129650	108400	87647	83930	70755
Fixed Assets	26	18	20	18	23	22	19	38	45	11	11	11	12	12	12	13	13
CWIP	0	10	0	4	0	4	0	0	0	0	0	0	0	0	0	0	0
Investments	29	28	42	38	56	54	14	10	12	12	13	14	8	8	9	11	13
Other Assets	527922	516620	503935	488775	494269	485003	491114	449932	380424	275482	206579	161443	129630	108381	87626	83906	70729
Total Assets	527977	516676	503996	488835	494348	485082	491147	449980	380482	275504	206604	161468	129650	108400	87647	83930	70755

Delivery

Delivery Data: IRFC

#	Date	74 20% 89	Value (Cr)	Q/T 248	Del 36	Del 40
1	21-Oct	77	67	181	34	23
2	19-Oct	78	67	234	38	25
3	16-Oct	80	139	284	20	28
4	15-Oct	79	52	199	31	16
5	14-Oct	80	82	264	33	27
6	13-Oct	80	114	253	29	33
7	12-Oct	78	132	268	22	29
8	9-Oct	75	76	236	49	37
9	8-Oct	74	69	161	40	28
10	7-Oct	76	40	156	37	15
11	6-Oct	77	51	176	35	18
12	5-Oct	76	68	148	40	27
13	1-Oct	77	99	183	36	36
14	30-Sep	79	306	365	22	66
15	29-Sep	80	124	248	33	41
16	28-Sep	79	68	190	41	28
17	25-Sep	80	37	167	37	14
18	24-Sep	80	43	152	43	18
19	23-Sep	81	48	180	38	19
20	22-Sep	80	39	137	38	15
21	21-Sep	80	42	140	45	19
22	18-Sep	82	116	292	50	58
23	17-Sep	79	51	170	44	23
24	16-Sep	79	78	173	40	31
25	15-Sep	79	69	130	49	34
26	11-Sep	81	65	198	48	31
27	10-Sep	81	70	173	39	27
28	9-Sep	81	55	158	42	23
29	8-Sep	82	48	149	44	21
30	7-Sep	83	49	165	41	20
31	4-Sep	83	66	217	39	25
32	3-Sep	83	47	163	37	17
33	2-Sep	82	65	186	45	30
34	1-Sep	82	64	157	45	29
35	31-Aug	83	70	151	46	33
36	28-Aug	84	58	145	47	27
37	27-Aug	85	61	159	47	29
38	26-Aug	86	61	218	40	24
39	25-Aug	85	82	244	34	28
40	24-Aug	86	76	185	36	28
41	21-Aug	86	41	159	39	16
42	20-Aug	86	73	208	36	26
43	19-Aug	85	81	164	40	33
44	18-Aug	86	48	143	48	23
45	17-Aug	87	66	182	33	21
46	14-Aug	88	34	144	52	18
47	13-Aug	88	42	167	49	21

Daily Market Cap

Date	Total Market Cap	Change	Chg %
21-Oct	1,00,366c	2,143c	2.09
19-Oct	1,02,509c	2,365c	2.26
17-Oct	1,04,875c	0	0
16-Oct	1,04,875c	1,764c	1.71
15-Oct	1,03,111c	2,156c	2.05
14-Oct	1,05,267c	1,215c	1.17
13-Oct	1,04,051c	2,771c	2.74
12-Oct	1,01,281c	3,476c	3.55
09-Oct	97,805c	706c	0.73
08-Oct	97,099c	4,025c	3.98
05-Oct	1,01,124c	1,385c	1.35
01-Oct	1,02,509c	1,568c	1.55
29-Sep	1,00,941c	1,712c	1.67
28-Sep	1,02,653c	1,006c	0.97
25-Sep	1,03,659c	823c	0.79
24-Sep	1,04,483c	65c	0.06
22-Sep	1,04,548c	941c	0.91
17-Sep	1,03,607c	3,058c	2.87
10-Sep	1,06,665c	2,418c	2.22
07-Sep	1,09,083c	0	0

Stock Checklist

Price is above from 52 week high low average: 4%

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: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 482 fund scheme(s) across 45 fund house(s) as of Oct26 · Total value ₹68,389 Cr · 258 increasing / 107 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
HDFC Mutual Fund	44	2.08%	+0.24%	17871.3
Aditya Birla Sun Life Mutual Fund	30	1.74%	-0.88%	8128.9
Nippon India Mutual Fund	23	2.15%	+0.01%	6753.8
Axis Mutual Fund	24	1.68%	-1.63%	6671.3
Bandhan Mutual Fund	28	2.91%	+0.57%	5144.4
ICICI Prudential Mutual Fund	18	1.52%	-0.20%	3678.1
UTI Mutual Fund	20	3.04%	+1.43%	2884.5
HSBC Mutual Fund	20	3.78%	-0.03%	2442
DSP Mutual Fund	14	3.31%	+2.50%	2001.1
Invesco Mutual Fund	17	1.32%	+0.35%	1911.1
Tata Mutual Fund	16	2.61%	+0.50%	1782
Baroda BNP Paribas Mutual Fund	14	2.10%	+3.48%	1600.3
Edelweiss Mutual Fund	14	2.99%	+0.05%	1372.5
Mirae Asset Mutual Fund	12	1.77%	+1.68%	1257.9
Canara Robeco Mutual Fund	13	1.69%	+0.42%	691.9
LIC Mutual Fund	16	1.43%	+0.68%	617
Kotak Mahindra Mutual Fund	18	1.04%	-0.03%	547.2
Bajaj Finserv Mutual Fund	6	3.76%	+2.06%	500.4
Union Mutual Fund	12	2.13%	+2.14%	358
SBI Mutual Fund	8	0.64%	-0.24%	355.6
Sundaram Mutual Fund	10	1.46%	+4.62%	347.2
WhiteOak Capital Mutual Fund	8	1.50%	-0.21%	339.3
Bank of India Mutual Fund	11	3.26%	+0.01%	237.6
Quantum Mutual Fund	4	7.47%	+0.54%	170.1
Abakkus Mutual Fund	2	5.28%	+2.60%	120.1
Franklin Templeton Mutual Fund	4	1.63%	+3.81%	107.5
Mahindra Manulife Mutual Fund	6	1.25%	+9.59%	102.4
Aditya Birla Sun Life AMC Limited	4	0.91%	-0.01%	85.3
Trust Mutual Fund	4	10.39%	+0.98%	59
PGIM India Mutual Fund	6	5.72%	+7.31%	54.6
Groww Mutual Fund	10	3.39%	+0.62%	45.3
JM Financial Mutual Fund	6	1.42%	+3.28%	35
Sundaram Asset Management Company Ltd	1	6.02%	+5.82%	29.8
Navi Mutual Fund	4	0.71%	+0.07%	18.6
PGIM India Asset Management Private Limite	2	4.98%	+7.62%	16.6
ITI Mutual Fund	4	2.09%	-0.14%	16
Motilal Oswal Mutual Fund	8	0.19%	+0.05%	13.9
360 ONE Mutual Fund	6	0.21%	-0.01%	11.6
ICICI Prudential Asset Management Company Limited	2	0.01%	-	3.4
PPFAS Mutual Fund	2	0.14%	+0.02%	2.4
Jio BlackRock Mutual Fund	2	0.46%	+0.06%	1.7
Zerodha Mutual Fund	3	0.07%	+0.01%	1.3
Shriram Mutual Fund	2	0.16%	-	0.4
Choice Mutual Fund	2	0.65%	-0.05%	0.3
Angel One Mutual Fund	2	0.08%	-0.01%	0.1

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Date	Purpose
15-Oct-26	Q2 FY 26-27