INDIAN RAILWAY FIN CORP L
Latest filings
- GST authority drops IRFC tax demand of Rs 549.32 crore · Compliance
- IRFC Q2 FY27 earnings call: results beat guidance, diversification on track · Investor Communications
- Newspaper publication of Q2 and H1 FY27 unaudited results · Compliance
Snapshot
What the business is, and whether it's a good one at a fair price.
Finances railway rolling stock, infrastructure and other large-scale mobility projects in India, primarily for the Ministry of Railways and government counterparties. Core lending is to the Ministry of Railways at fixed spreads, while a diversification push launched in FY26 has added metro rail, high-speed rail corridors, dedicated freight corridors, power, mining and logistics. Non-railway business carries higher NIM of 100–120 bps versus ~40 bps on legacy railway assets, and the blended NIM is guided from 1.50% in FY26 to 1.65% by FY27-end. Loan sanctions and disbursements in FY26 both exceeded initial guidance, with a >60% win rate on competitive bids. The portfolio carries zero NPAs. Operating costs are minimal — employee costs 0.1% of revenue and other opex 0.6% — with cost of borrowings being the principal expense as an NBFC. The Government of India is the promoter, holding 82.90% after a 2026 Offer for Sale.
Scorecard
Measured from the filed financials, judged against its Financial Institution peers · as of FY26 — not investment advice
Strengths
Concerns
Nothing flagged in the filed numbers.Charts
How has the market priced it — with filings on the timeline?
IRFC · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Peers
How does it stack up on valuation, returns and growth?
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Financials
Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Ownership
Who owns it — and is the promoter stake clean?
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Common questions
Answered from INDIAN RAILWAY FIN CORP L's filed financials and exchange disclosures
What does INDIAN RAILWAY FIN CORP L do?
INDIAN RAILWAY FIN CORP L is a Finance company listed on NSE and BSE, trading under the symbol IRFC.
Is INDIAN RAILWAY FIN CORP L profitable?
Yes. Over the trailing twelve months INDIAN RAILWAY FIN CORP L reported a net profit of ₹7,191 Cr on revenue of ₹28,630 Cr.
Does INDIAN RAILWAY FIN CORP L pay a dividend?
Yes. The dividend yield is 2.81% at the current price. It paid out 39% of its profit as dividend in FY26.
Is INDIAN RAILWAY FIN CORP L expensive compared with its peers?
On trailing P/E, INDIAN RAILWAY FIN CORP L ranks 4 of 8 in Financial Institution — cheaper than 57% of them, against an industry median of 13.9×. This is a position, not a valuation judgement.
How much does the INDIAN RAILWAY FIN CORP L share price move in a day?
On a typical session INDIAN RAILWAY FIN CORP L moves 0.88% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.
Where can I track INDIAN RAILWAY FIN CORP L's announcements?
Every NSE and BSE filing by INDIAN RAILWAY FIN CORP L appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.