Shares of Indian Railway Finance Corporation gained 2.33% to trade at Rs 123.35 in early trade on Tuesday. The stock is a constituent of the Nifty Next 50 index.
Financial Overview:
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The following table presents key financial figures for Indian Railway Finance Corporation.
| Particulars | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Sales | Rs 27,152 Crore | Rs 26,645 Crore | Rs 23,891 Crore | Rs 20,299 Crore | Rs 15,770 Crore |
| Other Income | Rs 3 Crore | Rs 10 Crore | Rs 40 Crore | Rs 2 Crore | Rs 0 Crore |
| Total Income | Rs 27,156 Crore | Rs 26,655 Crore | Rs 23,932 Crore | Rs 20,301 Crore | Rs 15,770 Crore |
| Total Expenditure | Rs 159 Crore | Rs 142 Crore | Rs 148 Crore | Rs 136 Crore | Rs 117 Crore |
| EBIT | Rs 26,997 Crore | Rs 26,513 Crore | Rs 23,784 Crore | Rs 20,164 Crore | Rs 15,653 Crore |
| Interest | Rs 20,495 Crore | Rs 20,101 Crore | Rs 17,447 Crore | Rs 14,074 Crore | Rs 11,237 Crore |
| Tax | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore |
| Net Profit | Rs 6,502 Crore | Rs 6,412 Crore | Rs 6,337 Crore | Rs 6,089 Crore | Rs 4,416 Crore |
The standalone annual sales for the year ending March 2025 stood at Rs 27,152 Crore, up from Rs 26,645 Crore in March 2024. The net profit for the year ending March 2025 was Rs 6,502 Crore compared to Rs 6,412 Crore in March 2024.
| Particulars | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|
| Sales | Rs 6,915 Crore | Rs 6,723 Crore | Rs 6,763 Crore | Rs 6,899 Crore | Rs 6,765 Crore |
| Other Income | Rs 2 Crore | Rs 0 Crore | Rs 2 Crore | Rs 0 Crore | Rs 0 Crore |
| Total Income | Rs 6,918 Crore | Rs 6,723 Crore | Rs 6,766 Crore | Rs 6,900 Crore | Rs 6,766 Crore |
| Total Expenditure | Rs 48 Crore | Rs 45 Crore | Rs 40 Crore | Rs 38 Crore | Rs 34 Crore |
| EBIT | Rs 6,870 Crore | Rs 6,678 Crore | Rs 6,725 Crore | Rs 6,861 Crore | Rs 6,731 Crore |
| Interest | Rs 5,124 Crore | Rs 4,996 Crore | Rs 5,095 Crore | Rs 5,248 Crore | Rs 5,154 Crore |
| Tax | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore |
| Net Profit | Rs 1,745 Crore | Rs 1,681 Crore | Rs 1,630 Crore | Rs 1,612 Crore | Rs 1,576 Crore |
The standalone quarterly sales for June 2025 stood at Rs 6,915 Crore, up from Rs 6,723 Crore in March 2025. The net profit for the quarter was Rs 1,745 Crore compared to Rs 1,681 Crore in the previous quarter.
| Cash Flow From | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Operating Activities | Rs 8,229 Crore | Rs 7,914 Crore | Rs -28,583 Crore | Rs -64,412 Crore | Rs -89,906 Crore |
| Investing Activities | Rs 0 Crore | Rs -7 Crore | Rs 0 Crore | Rs -4 Crore | Rs 0 Crore |
| Financing Activities | Rs -2,571 Crore | Rs -8,046 Crore | Rs 28,643 Crore | Rs 64,266 Crore | Rs 90,202 Crore |
| Others | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore |
| Net Cash Flow | Rs 5,657 Crore | Rs -139 Crore | Rs 59 Crore | Rs -150 Crore | Rs 295 Crore |
Cash flow from operating activities for the year ending March 2025 was Rs 8,229 Crore, compared to Rs 7,914 Crore for the year ending March 2024. The net cash flow stood at Rs 5,657 Crore in March 2025, while it was Rs -139 Crore in March 2024.
| Equities & Liabilities | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Share Capital | Rs 13,068 Crore | Rs 13,068 Crore | Rs 13,068 Crore | Rs 13,068 Crore | Rs 13,068 Crore |
| Reserves & Surplus | Rs 39,599 Crore | Rs 36,110 Crore | Rs 32,401 Crore | Rs 27,927 Crore | Rs 22,844 Crore |
| Current Liabilities | Rs 434,821 Crore | Rs 435,357 Crore | Rs 229,392 Crore | Rs 408,456 Crore | Rs 162,154 Crore |
| Other Liabilities | Rs 1,345 Crore | Rs 546 Crore | Rs 216,284 Crore | Rs 527 Crore | Rs 179,983 Crore |
| Total Liabilities | Rs 488,834 Crore | Rs 485,082 Crore | Rs 491,146 Crore | Rs 449,980 Crore | Rs 378,051 Crore |
| Assets | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Fixed Assets | Rs 21 Crore | Rs 25 Crore | Rs 19 Crore | Rs 37 Crore | Rs 45 Crore |
| Current Assets | Rs 477,270 Crore | Rs 472,900 Crore | Rs 476,403 Crore | Rs 432,810 Crore | Rs 370,213 Crore |
| Other Assets | Rs 11,543 Crore | Rs 12,155 Crore | Rs 14,724 Crore | Rs 17,131 Crore | Rs 7,792 Crore |
| Total Assets | Rs 488,834 Crore | Rs 485,082 Crore | Rs 491,146 Crore | Rs 449,980 Crore | Rs 378,051 Crore |
The total assets of Indian Railway Finance Corporation for the year ending March 2025 were Rs 488,834 Crore, compared to Rs 485,082 Crore in March 2024.
| Per Share Ratios | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Basic EPS (Rs.) | 4.98 | 4.91 | 4.85 | 4.66 | 3.66 |
| Diluted Eps (Rs.) | 4.98 | 4.91 | 4.85 | 4.66 | 3.66 |
| Book Value /Share (Rs.) | 40.30 | 37.63 | 34.79 | 31.37 | 27.48 |
| Dividend/Share (Rs.) | 1.60 | 1.50 | 1.50 | 1.40 | 1.05 |
| Face Value | 10 | 10 | 10 | 10 | 10 |
| Margin Ratios | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Gross Profit Margin (%) | 99.44 | 99.54 | 99.60 | 99.40 | 99.28 |
| Operating Margin (%) | 99.42 | 99.50 | 99.54 | 99.33 | 99.25 |
| Net Profit Margin (%) | 23.94 | 24.06 | 26.52 | 30.00 | 28.00 |
| Return Ratios | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Return on Networth / Equity (%) | 12.34 | 13.03 | 13.93 | 14.85 | 12.29 |
| ROCE (%) | 49.98 | 53.32 | 9.08 | 48.56 | 7.25 |
| Return On Assets (%) | 1.33 | 1.32 | 1.29 | 1.35 | 1.16 |
| Liquidity Ratios | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Current Ratio (X) | 1.10 | 1.09 | 2.08 | 1.06 | 2.28 |
| Quick Ratio (X) | 1.10 | 1.09 | 2.08 | 1.06 | 2.28 |
| Leverage Ratios | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Debt to Equity (x) | 7.83 | 8.38 | 9.21 | 9.47 | 9.00 |
| Interest Coverage Ratios (X) | 1.32 | 1.32 | 1.36 | 1.43 | 1.39 |
| Turnover Ratios | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| Asset Turnover Ratio (%) | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover Ratio (X) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Growth Ratios | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| 3 Yr CAGR Sales (%) | 15.66 | 29.98 | 31.40 | 35.03 | 19.64 |
| 3 Yr CAGR Net Profit (%) | 3.33 | 20.50 | 31.00 | 64.34 | 48.32 |
| Valuation Ratios | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|
| P/E (x) | 24.98 | 28.99 | 5.48 | 4.60 | 6.26 |
| P/B (x) | 3.09 | 3.78 | 0.76 | 0.68 | 0.84 |
| EV/EBITDA (x) | 21.05 | 22.53 | 19.04 | 20.62 | 22.52 |
| P/S (x) | 5.98 | 6.98 | 1.46 | 1.38 | 1.90 |
Indian Railway Finance Corporation announced newspaper publication under Regulation 30 (LODR) regarding the Chairman's Message for the 38th AGM on September 1, 2025. The Scrutinizers Report of the 38th AGM was announced on August 30, 2025. The proceedings of the 38th Annual General Meeting of IRFC held on August 30, 2025, were also announced.
The company announced an interim dividend of Rs 0.80 per share (8%) on March 10, 2025, with an effective date of March 21, 2025.
Moneycontrol analysis indicates a very bearish sentiment on the stock as of September 2, 2025.
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Indian Railway Finance Corporation shares gained 2.33% to trade at Rs 123.35 in early trade.
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