1Y Annualised Return
▼-19.79%
3Y Annualised Return
▲89.28%
IRFC SIP Return Calculator
Over the past
Total Investment of ₹65,00,000
Would have become ₹58,94,774 (-9.31%)
Daily SIP of ₹25,000 would have become ₹58,94,774 in 1 year with a gain of ₹-6,05,225 (-9.31%)
Open
136.01
Prev. Close
140.47
Total Traded Value
224.98 Cr
Market Cap (in crs)
1,80,776.64
Face Value
10
Turnover (in lacs)
22,498.26
IRFC Technical Analysis
Delivery & Volume
| Period | Combined Delivery Volume | NSE+BSE Traded Volume |
|---|---|---|
Day Rs | 5259590 Rs | 17436854 Rs |
Week Rs | 6695606 Rs | 18845622 Rs |
Month Rs | 9054128 Rs | 28533883 Rs |
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| Index Name | Market Price | Market Cap | 52W Low | 52W High | Prev. Close | 1W Return | 1M Return | 6M Return | 1Y Return | 3Y Return | Dividend Yield | PE Ratio | Industry PE | PB Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
- | 16,588.89 | 36.2 | 91.4 | 62.33 | -6.75% | 41.83% | -3.81% | -4.11% | 555.00% | 0.00% | 384.69 | 28.61 | 9.55 | |
- | 1,34,132.64 | 357.25 | 580 | 415.75 | -2.86% | -1.43% | -19.40% | -19.28% | 384.79% | 3.89% | 7.73 | 28.61 | 1.47 | |
- | 1,06,039.93 | 357.35 | 654 | 405.10 | -2.96% | 0.24% | -27.70% | -22.78% | 369.57% | 4.47% | 6.75 | 28.61 | 1.37 | |
- | 2,012.47 | 122.32 | 237.4 | 220.51 | -6.90% | 4.74% | 22.78% | 19.33% | 312.41% | 1.38% | 19.40 | 28.61 | 1.66 | |
- | 45,691.37 | 158.85 | 353.7 | 230.35 | -7.34% | 3.52% | -6.82% | -18.19% | 559.65% | 1.82% | 16.87 | 28.61 | 2.54 | |
- | 46,987.20 | 137.01 | 310 | 175.55 | -4.35% | 0.11% | -23.09% | -7.11% | 0.00% | 0.00% | 27.65 | 28.61 | 3.83 |
IRFC Company background
Indian Railway Finance Corporation Ltd
Introduction
Indian Railway Finance Corporation Ltd (IRFC) is a prominent public sector enterprise established to finance the acquisition of assets for the Indian Railways. Incorporated on December 12, 1986, IRFC operates under the administrative control of the Ministry of Railways, Government of India. The company plays a crucial role in mobilising funds from both domestic and international markets to support the growth and development of Indian Railways.
Key milestones
- 1986: Incorporated as a Public Limited Company and received its Certificate of Commencement of Business on December 23, 1986.
- 1993: Classified as a Public Financial Institution by the Ministry of Corporate Affairs.
- 1998: Registered with the Reserve Bank of India (RBI) as a non-banking financial institution.
- 2008: Classified by the RBI as a non-deposit accepting asset finance non-banking financial company.
- 2010: Reclassified as an NBFC-ND-IFC by the RBI.
Leadership
The company is managed by Usha Venugopal, who serves as the Managing Director. The leadership team is responsible for steering the company towards achieving its strategic goals and maintaining its financial health.
Business model and operations
Primary business activities
IRFC's principal business involves borrowing funds from financial markets to finance the acquisition and creation of assets, which are then leased to Indian Railways. The company primarily focuses on:
- Rolling stock assets: Financing locomotives, coaches, wagons, and other railway vehicles.
- Railway infrastructure: Leasing infrastructure assets and national projects.
- Lending: Providing financial support to other entities under the Ministry of Railways.
Leasing model
IRFC follows a financial leasing model with a typical lease period of 30 years, divided into a primary period of 15 years and a secondary period of another 15 years. During the primary period, the principal amount and the weighted average cost of borrowing are payable. The secondary period involves a nominal rate, subject to revision.
Financial performance
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Revenue: Indian Railway Finance Corporation (IRFC) posted total revenue from operations of ₹6,722.83 crore for Q4FY25. This figure reflects a year-on-year growth of 3.8%.
-
Net profit: For the fourth quarter of FY25, IRFC reported a net profit of ₹1,681.87 crore, marking a 2.1% decrease year-on-year.
-
Operating profit: - Operating profit: Taking into account IRCF’s finance costs, total expenses, PAT, and revenue from operations, its estimated EBITDA for Q4FY25 stood at ₹6,677 crore. This demonstrates the company’s efficient business model. The operating margin remains exceptionally strong, near 99%, underscoring IRFC’s position as a low-cost, high-efficiency financial institution serving the Indian Railways.
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Operating cash flow: As of March 2025, IRFC generated a net cash flow from operating activities of ₹8,230 crore, up from ₹7,914 crore in March 2024. This substantial operating cash flow highlights the company’s strong ability to convert its profits into cash, ensuring ample liquidity for ongoing lending and investment activities. The healthy cash generation also supports IRFC’s capacity to fund future railway projects and maintain financial stability.
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Market capitalisation: The company's market cap is around Rs. 1,81,064 crore.
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Dividend: IRFC declared a final dividend of Rs. 0.7 per share, with the record date set for August 22, 2024.
Strategic initiatives
Gati shakti multi-modal cargo terminal (GCT) policy
Launched on December 15, 2021, this policy aims to develop additional terminals for handling rail cargo, enhancing IRFC's role in infrastructure development.
Collaborations and partnerships
IRFC has entered into a Memorandum of Understanding (MoU) with RITES to explore mutual interests in railway projects. This collaboration aims to bolster the financing framework for railway infrastructure projects.
Shareholding and governance
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Ownership: As of March 31, 2023, 86.36% of IRFC's equity share capital was held by the President of India through the Ministry of Railways, with the remaining 13.64% held by the public.
-
Governance: The company adheres to robust governance practices, ensuring transparency and accountability in its operations.
Indian Railway Finance Corporation Ltd plays a vital role in the financial ecosystem of Indian Railways, providing essential funding for asset acquisition and infrastructure development. With a strong financial performance and strategic initiatives, IRFC continues to support the expansion and modernisation of Indian Railways, contributing significantly to the nation's transportation infrastructure.
As of 13 Jun, 2025, IRFC share price is ₹138.3. The stock opened at ₹136 and had closed at ₹140.5 the previous day. During today’s trading session, IRFC share price moved between ₹136.01 and ₹139.71, with an average price for the day of ₹137.50. Over the last 52 weeks, the stock has recorded a low of ₹108.04 and a high of ₹229.00. In terms of performance, IRFC share price has declined by 13.2% over the past six months and has declined by 19.79% over the last year.
IRFC FAQs
What is Share Price of IRFC?
IRFC share price is ₹138.79 in NSE and ₹138.9 in BSE as on 13/6/2025.
How has IRFC shares performed in the past ?
IRFC share price in the past 1-year return was -21.01. The IRFC share hit a 1-year low of Rs. 108.04 and a 1-year high of Rs. 229.
What is the market cap of IRFC ?
The market cap of IRFC is Rs. 180776.64 Cr. as of 13/6/2025.
What is the current P/E ratio of IRFC ?
The PE ratios of IRFC is 27.75 as of 13/6/2025.
What is the current PB ratio of IRFC ?
The PB ratios of IRFC is 3.42 as of 13/6/2025
What is the Mutual Fund shareholding in IRFC?
The Mutual Fund Shareholding in IRFC was 0.21% at the end of 13/6/2025.
How to buy IRFC shares?
You can easily buy IRFC shares in Kotak Securities by opening a demat account and getting the KYC documents verified online.
Please be aware that IRFC stock prices are subject to continuous fluctuations due to various factors.