Indian Railway Finance Corporation (IRFC) reported a 10.52% year-on-year increase in Profit After Tax (PAT) for the quarter ended December 31, 2025, reaching ₹1,802.19 crore. This marks the company’s highest-ever quarterly PAT. The Net Interest Margin (NIM) improved by over 8%. The company has already achieved its full-year sanction guidance of ₹60,000 crore within the first nine months of the fiscal year.
Financial Performance Highlights
IRFC’s Profit After Tax (PAT) for the quarter ended December 31, 2025, stood at ₹1,802.19 crore, a 10.52% increase compared to the same quarter last year. For the nine-month period ending December 31, 2025, PAT reached ₹5,324.86 crore, up 10.47% from ₹4,820.13 crore in the corresponding period of the previous year.
Key Financial Metrics
Total income for the quarter reached ₹6,719.23 crore, and for the nine-month period, it was ₹20,009.38 crore. The Net Interest Margin (NIM) improved by over 8% year-on-year.
Operational Achievements
IRFC achieved its full-year sanction guidance of ₹60,000 crore within the first nine months. The company is on track to meet its ₹30,000 crore disbursement target for the year, with nearly three-fourths already disbursed by the end of Q3.
Strategic Transactions
IRFC refinanced ₹9,821 crore of DFCCIL’s World Bank loan, replacing foreign currency exposure with rupee financing, generating savings, and mitigating risk.
Assets Under Management
As of December 31, 2025, IRFC’s Assets Under Management (AUM) reached a record ₹4.75 lakh crore, the highest in the company’s history.
Funding and Performance
IRFC secured a JPY 46.458 billion (USD 300 million) External Commercial Borrowing facility and raised funds through Zero-Coupon Bonds. The company maintained its zero non-performing asset (NPA) record and received its fifth consecutive “Excellent” performance rating from the Department of Public Enterprises (DPE).
Source: BSE
