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IRFCIndian Railway Finance Corporation Ltd.

129.87(+0.45%)

1W: +3.58%

1M: +0.72%

1Y: -10.71%

Financials

Pros & Cons

POSITIVES

Consistent growth in net interest income reflecting strong management of assets.
Improved asset quality with a reduction in non-performing assets (NPAs) over the last year.
Strong capital adequacy ratios indicating robust financial stability and capacity for growth.

NEGATIVES

Declining operational efficiency as reflected in rising cost-to-income ratios.
Increase in provisioning for bad debts, indicating potential future risks to profitability.
Slowdown in loan disbursements compared to previous quarters, impacting revenue growth.

Quarterly Results Data

Field	Trend	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue		6,766.32	6,741.89	6,473.56	6,765.63	6,899.66	6,763.43	6,723.23	6,915.38
Expenses		5,181.49	5,104.29	4,724.72	5,154.91	5,248.74	5,095.07	4,996.37	5,124.39
Financing Profit		1,584.83	1,637.60	1,748.84	1,610.72	1,650.92	1,668.36	1,726.86	1,790.99
Other Income		1.16	3.42	4.43	0.39	0.54	2.96	0.57	2.86
Depreciation		2.15	1.33	1.73	1.59	1.09	1.34	1.29	1.33
Profit Before Tax		1,549.87	1,604.23	1,717.32	1,576.83	1,612.65	1,630.66	1,681.87	1,745.69
Tax		0	0	0	0	0	0	0	0
Net Profit		1,549.87	1,604.23	1,717.32	1,576.83	1,612.65	1,630.66	1,681.87	1,745.69
Gross Npa %		0	0	0	0	0	0	0	0
Net Npa %		0	0	0	0	0	0	0	0