Indian Railway Finance Corporation Limited

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

83 1(1%)

Near 52W Low of 82

Volume

57L as on 03, Sep

Open

High

Low

VWAP

52 Week High

137

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)

1,08,952

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 Month8%

3 Months14%

6 Months17%

1 Year32%

YTD34%

Moving Average

5 Day SMA83

10 Day SMA84

20 Day SMA86

30 Day SMA87

50 Day SMA88

61 Day SMA90

80 Day SMA92

200 Day SMA103

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	84	83	83	85
Resistance 2	83	83	83	84
Resistance 1	83	83	83	83
Pivot Point	82	82	82	82
Support 1	82	82	82	82
Support 2	81	82	81	81
Support 3	80	82	81	81

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	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

Delivery

Delivery Data: IRFC

#	Date	81 13% 92	Value (Cr)	Q/T 196	Del 39	Del 59
1	4-Sep	83	66	217	39	25
2	3-Sep	83	47	163	37	17
3	2-Sep	82	65	186	45	30
4	1-Sep	82	64	157	45	29
5	31-Aug	83	70	151	46	33
6	28-Aug	84	58	145	47	27
7	27-Aug	85	61	159	47	29
8	26-Aug	86	61	218	40	24
9	25-Aug	85	82	244	34	28
10	24-Aug	86	76	185	36	28
11	21-Aug	86	41	159	39	16
12	20-Aug	86	73	208	36	26
13	19-Aug	85	81	164	40	33
14	18-Aug	86	48	143	48	23
15	17-Aug	87	66	182	33	21
16	14-Aug	88	34	144	52	18
17	13-Aug	88	42	167	49	21
18	12-Aug	88	51	181	43	22
19	11-Aug	88	39	134	48	19
20	10-Aug	88	55	151	43	24
21	7-Aug	89	51	159	41	21
22	6-Aug	89	64	195	34	22
23	5-Aug	89	63	184	40	25
24	4-Aug	90	60	181	39	24
25	3-Aug	90	107	228	36	38
26	31-Jul	89	107	273	26	28
27	30-Jul	89	140	265	24	34
28	29-Jul	89	92	232	35	32
29	28-Jul	87	57	148	40	23
30	27-Jul	88	45	161	37	17
31	24-Jul	88	54	149	34	19
32	23-Jul	87	55	154	33	18
33	22-Jul	87	52	140	44	23
34	21-Jul	88	47	152	38	18
35	20-Jul	89	53	150	38	20
36	17-Jul	88	45	169	40	18
37	16-Jul	88	55	136	38	21
38	15-Jul	89	65	204	31	20
39	14-Jul	89	59	147	48	28
40	13-Jul	90	55	144	40	22
41	10-Jul	90	81	228	43	35
42	9-Jul	88	62	165	40	25
43	8-Jul	88	124	167	46	57
44	7-Jul	90	62	146	49	30
45	6-Jul	90	72	158	40	29
46	3-Jul	91	108	206	51	55
47	2-Jul	91	108	210	47	50
48	1-Jul	91	125	241	37	46
49	30-Jun	91	193	307	53	102
50	29-Jun	91	177	84	40	72

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	1,08,952c	497c	0.46
03-Sep	1,08,456c	627c	0.58
01-Sep	1,09,083c	379c	0.35
31-Aug	1,08,704c	1,921c	1.74
27-Aug	1,10,625c	2,326c	2.06
26-Aug	1,12,951c	1,281c	1.15
25-Aug	1,11,670c	706c	0.63
24-Aug	1,12,376c	601c	0.53
21-Aug	1,12,977c	1,660c	1.49
19-Aug	1,11,318c	1,215c	1.08
18-Aug	1,12,533c	1,228c	1.08
17-Aug	1,13,761c	680c	0.59
14-Aug	1,14,441c	601c	0.52
13-Aug	1,15,042c	301c	0.26
12-Aug	1,15,343c	392c	0.34
10-Aug	1,15,735c	248c	0.21
07-Aug	1,15,983c	732c	0.63
06-Aug	1,16,715c	614c	0.53
05-Aug	1,16,101c	993c	0.85
04-Aug	1,17,094c	653c	0.56
31-Jul	1,16,440c	771c	0.67
30-Jul	1,15,669c	784c	0.67
29-Jul	1,16,454c	2,235c	1.96
28-Jul	1,14,219c	863c	0.75
27-Jul	1,15,081c	314c	0.27
24-Jul	1,14,768c	0	0

Stock Checklist

Price is above from 52 week high low average: 2%

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 470 fund scheme(s) across 45 fund house(s) as of Aug26 · Total value ₹61,597 Cr · 140 increasing / 218 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
HDFC Mutual Fund	42	2.78%	+0.28%	18101.4
Axis Mutual Fund	26	5.14%	+12.34%	8712.6
Aditya Birla Sun Life Mutual Fund	30	2.85%	+0.11%	8653.3
Bandhan Mutual Fund	26	5.64%	-7.25%	5282.5
ICICI Prudential Mutual Fund	20	1.35%	+0.37%	4636.1
Nippon India Mutual Fund	23	2.09%	-7.48%	3529.5
HSBC Mutual Fund	18	4.47%	+1.06%	2677.6
DSP Mutual Fund	16	2.68%	+5.60%	2137.5
UTI Mutual Fund	20	2.63%	-2.13%	1727.7
Edelweiss Mutual Fund	12	4.60%	+2.71%	1035.1
Tata Mutual Fund	16	1.73%	-7.35%	849.3
Invesco Mutual Fund	18	0.94%	-1.11%	768.4
Kotak Mahindra Mutual Fund	20	0.30%	+0.21%	634.8
Sundaram Mutual Fund	10	1.49%	+1.27%	362.5
WhiteOak Capital Mutual Fund	10	1.60%	+0.90%	343.1
Mirae Asset Mutual Fund	16	1.04%	+4.87%	279.7
Bank of India Mutual Fund	11	3.64%	-0.13%	241.4
ICICI Prudential Asset Management Company Limited	3	0.22%	-0.08%	234.7
LIC Mutual Fund	16	1.98%	-2.56%	212.5
Union Mutual Fund	10	4.32%	-2.12%	212.4
Baroda BNP Paribas Mutual Fund	11	1.07%	+1.88%	190.1
SBI Mutual Fund	8	0.14%	+2.17%	103.3
Franklin Templeton Mutual Fund	2	10.14%	+1.95%	102
Canara Robeco Mutual Fund	8	0.42%	-2.19%	101.1
Aditya Birla Sun Life AMC Limited	4	0.93%	-1.57%	86.8
Quantum Mutual Fund	2	3.97%	+7.46%	80
Bajaj Finserv Mutual Fund	4	4.95%	-5.18%	50.9
Groww Mutual Fund	10	3.20%	-0.33%	42.7
Trust Mutual Fund	4	12.81%	-12.34%	39.5
Sundaram Asset Management Company Ltd	1	7.22%	+2.60%	35.2
PGIM India Mutual Fund	6	4.61%	-6.99%	29.7
JM Financial Mutual Fund	6	1.09%	-2.68%	20
Navi Mutual Fund	4	0.73%	-0.11%	18.9
ITI Mutual Fund	4	1.91%	-0.10%	16
Motilal Oswal Mutual Fund	8	0.18%	-0.09%	13.5
Mahindra Manulife Mutual Fund	2	0.47%	-	10
360 ONE Mutual Fund	4	0.45%	-0.08%	9.9
PGIM India Asset Management Private Limite	2	3.59%	-7.45%	9.4
PPFAS Mutual Fund	2	0.13%	-0.02%	2.2
Jio BlackRock Mutual Fund	2	0.44%	-0.10%	1.7
Zerodha Mutual Fund	3	0.07%	-	1.2
Shriram Mutual Fund	2	0.16%	-	0.4
Choice Mutual Fund	2	0.78%	+0.78%	0.3
Angel One Mutual Fund	2	0.08%	-0.01%	0.1
The Wealth Company Mutual Fund	4	0.00%	-2.23%	0

Indian Railway Finance Corporation Limited

Price Chart

Price Performance

Moving Average

PIVOT LEVEL

Competitors/Peers

Shareholding Pattern (%)

Quarterly Results

Profit and Loss

Cash Flows

Balance Sheet

Delivery

Daily Market Cap

Stock Checklist

Mutual Fund Holdings

Strategy Builder

Bulk Deals

Events

News

Exchange Filings

Annual Reports

Ratings & Research Reports

Concalls

Announcements