NSE ScannerRailways · Finance/Rental/Leasing · NSE: IRFC · data 2026-10-31
Indian Railway Finance Corp. Ltd.
In plain words
Price: 46.5% below its 52-week high of ₹137.17.
Delivery: 32.0% of traded shares were kept for delivery over the last 10 sessions, against 38.8% over the last 60.
A description of the data, not a recommendation.
Key figures
Growth
| Revenue (last 12 months) | ₹30,364 cr |
| Net profit (last 12 months) | ₹7,372 cr |
| Sales growth, 3 years (yearly) | 4.8% |
| Profit growth, 3 years (yearly) | 4.4% |
At a glance
Promoters 82.9% (-3.5 pts in a year), pledged 0.0%, institutions 5.1%.
P/E 13.0, P/B 1.6, dividend yield 2.9%. Price relative to earnings and book value (low is cheaper, not better).
ROE 12.8%, operating margin 25.1%: how much profit it earns on the money it uses.
Profit growth 4.4% and sales growth 4.8% a year over 3 years.
Ratings use fixed thresholds on the latest reported figures. They describe the numbers and are not a recommendation.
Strengths and limitations
- Pays a dividend yielding 2.9%.
- Slow sales growth (4.8% a year over 3 years).
- Promoters cut their holding by 3.5 points in a year.
Picked automatically from the latest reported figures with fixed rules; check the company's filings before relying on them.
Smart-money activity
12/100 · Weak over the last ~60 sessions, data 2026-10-30
- Delivery vs usual 0/30: Delivery 32.4% over the last 20 sessions vs 39.2% in the 40 before (0.83x); shares delivered per day 1.03x usual; 0 delivery-spike days (3x usual shares delivered, 40%+ delivery) in the last 20 sessions.
- Bulk/block deals 0/20: No bulk or block deals in the last 90 days.
- Insider / SAST buys 0/15: No insider buy or SAST acquisition filings in the last 90 days. Insider sells are not collected by the site, so only buy filings count.
- Mutual fund holding 7/15: 9 schemes hold it, about ₹115 cr in all (as of 2026-09-30). Latest monthly portfolios only (top 60 holdings per scheme); month-on-month change is not stored.
- Accumulation evidence 0/15: No accumulation evidence row (only saved-scan stocks have one; 0 points).
- Promoter pledges 5/5: No promoter pledge filings in 90 days.
A description of recorded activity (delivery, deals, insider buys, fund holding, pledges), not a recommendation. Today's most active stocks.
Story so far
● Dividend
- 23 Oct 26Dividend Dividend ₹1.15 (ex-date) -3.4% next session
- 13 Mar 26Dividend Dividend ₹1.05 (ex-date) -3.5% next session
- 24 Oct 25Dividend Dividend ₹1.05 (ex-date) -1.3% next session
- 21 Mar 25Dividend Dividend ₹0.8 (ex-date) +3.3% next session
- 12 Nov 24Dividend Dividend ₹0.8 (ex-date) -5.3% next session
From official exchange filings and NSE data. How the price moved after an event describes the past, not what comes next.
Shareholding trend
| Holder | Sept 2026 | Jun 2026 | Mar 2026 | Dec 2025 |
|---|---|---|---|---|
| Promoters | 82.90% | 82.90% | 84.65% | 86.36% |
| Foreign institutions (FII) | 1.15% | 1.18% | 1.17% | 0.98% |
| Domestic institutions (DII) | 3.97% | 3.97% | 2.89% | 1.55% |
| Mutual funds | 0.34% | 0.30% | 0.27% | 0.36% |
| Retail investors | 10.21% | 10.10% | 9.68% | 9.51% |
| Number of shareholders | 50,13,659 | 50,86,488 | 51,13,569 | 51,69,331 |
Common questions
How much do promoters hold in Indian Railway Finance Corp. Ltd.?
Promoters held 82.90% of Indian Railway Finance Corp. Ltd. at the end of Sept 2026, with 0.00% of promoter shares pledged.
Is Indian Railway Finance Corp. Ltd. debt-free?
Its latest reported debt-to-equity ratio is 7.69, meaning borrowings are larger than shareholders' equity.
What is Indian Railway Finance Corp. Ltd.'s P/E ratio?
About 13, based on the last 12 months' earnings and a price of ₹73.37 (data 2026-10-31).
What is the 52-week high and low of Indian Railway Finance Corp. Ltd.?
The 52-week high is ₹137.17 and the 52-week low is ₹73.05.
Mutual funds holding Indian Railway Finance Corp. Ltd.
From the monthly portfolios of the fund houses the site reads, as of 2026-09-30. 9 schemes holding about ₹115 cr; funds that hold it outside their top holdings may not be listed.
| Scheme | Fund house | % of fund | Value |
|---|---|---|---|
| NIPPON INDIA ETF NIFTY NEXT 50 JUNIOR BEES | Nippon India Mutual Fund | 0.73% | ₹63 cr |
| SBI Nifty Next 50 ETF | SBI Mutual Fund | 0.73% | ₹21 cr |
| SBI Nifty Next 50 Index Fund | SBI Mutual Fund | 0.73% | ₹17 cr |
| Mirae Asset Nifty Next 50 ETF | Mirae Asset Mutual Fund | 0.73% | ₹11 cr |
| ADITYA BIRLA SUN LIFE NIFTY NEXT 50 INDEX FUND | Aditya Birla Sun Life Mutual Fund | 0.73% | ₹2 cr |
| ADITYA BIRLA SUN LIFE NIFTY NEXT 50 ETF | Aditya Birla Sun Life Mutual Fund | 0.73% | ₹0 cr |
| ADITYA BIRLA SUN LIFE NIFTY PSE ETF | Aditya Birla Sun Life Mutual Fund | 1.49% | ₹0 cr |
| ADITYA BIRLA SUN LIFE BSE INDIA INFRASTRUCTURE INDEX FUND | Aditya Birla Sun Life Mutual Fund | 1.18% | ₹0 cr |
| NIPPON INDIA ETF NIFTY DIVIDEND OPPORTUNITIES 50 | Nippon India Mutual Fund | 0.48% | ₹0 cr |
Compared with similar companies
| Company | Price | Market cap | P/E | P/B | ROE | ROCE | Debt/eq. | 1-yr return |
|---|---|---|---|---|---|---|---|---|
| Indian Railway Finance Corp. Ltd. | ₹73.37 | ₹95,923 cr | 13 | 1.6 | 12.8% | — | 7.69 | -41.4% |
| Tata Capital Ltd. | ₹319.9 | ₹1,34,905 cr | 22.7 | 2.8 | 12.3% | — | 5.15 | -1.7% |
| One 97 Communications Ltd. | ₹1,634.3 | ₹1,04,985 cr | 124.2 | 6.3 | 3.6% | -1.8% | 0.01 | +25.2% |
| Power Finance Corporation Limited | ₹313.6 | ₹1,03,623 cr | 4 | 0.7 | 20.7% | — | 7.62 | -23.6% |
| Muthoot Finance Ltd | ₹2,408.6 | ₹96,734 cr | 8.5 | 2.4 | 30.9% | — | 3.86 | -24.5% |
| REC Limited | ₹285.6 | ₹75,047 cr | 5 | 0.8 | 20.1% | — | 6.1 | -26.3% |
Compare IRFC with TATACAP in detail →
The full analysis has the price chart, every quarterly result with YoY/QoQ growth, the balance sheet and cash flow with an accounting red-flag check, shareholding quarter by quarter with big investors, news, filings and bulk/block deals.
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