Indian Railway Finance Corporation (IRFC) reported a robust performance with record Profit After Tax (PAT) driven by strategic diversification. For the quarter ended September 30, 2025, total income reached INR 6,371.91 crores. PAT increased to INR 3,522.67 crores, a 10.45% increase year-over-year. New business agreements aggregating ₹45,382 crore were sanctioned, signaling strong growth beyond traditional railway-linked sectors.
Financial Highlights
Indian Railway Finance Corporation (IRFC) announced strong unaudited financial results for the quarter and half-year ended September 30, 2025. Key highlights include:
- Total income for the quarter: INR 6,371.91 crores
- Total income for the half-year: INR 13,290.15 crores
- Profit After Tax (PAT): INR 3,522.67 crores, a 10.45% year-over-year increase
Strategic Diversification
IRFC’s strong performance is attributed to its successful strategic diversification into new business segments. The company has expanded beyond its traditional railway-linked sectors, contributing to improved margins and profitability.
Assets Under Management
The Corporation’s Assets Under Management (AUM) reached INR 4.62 lakh crores. This growth was achieved despite the absence of new business from Indian Railways and no existing pipeline over the preceding years, driven by proactive business development initiatives.
Key Financial Ratios
Other noteworthy achievements during the period include:
- Highest-ever Net Worth of INR 56,193.85 crore
- Earnings Per Share (EPS) of INR 5.39 per share (annualised)
Business Growth and Expansion
IRFC sanctioned and executed new business agreements aggregating ₹45,382 crore across various sectors, including:
- Power generation (including renewable energy)
- Energy transmission
- Coal mining
- Industrial infrastructure
These sanctions represent a ninefold increase compared to the ₹5,250 crore executed in the preceding financial year.
Net Interest Margins
The company’s Net Interest Margins (NIMs) have shown a notable improvement, now standing at 1.55% (annualized). The transactions were concluded at competitive yet value-accretive spreads, contributing to double-digit PAT growth.
Interim Dividend
The Board of Directors declared an interim dividend of ₹1.05 per share, reflecting the company’s commitment to delivering value to shareholders.
Source: BSE
