Indian Railway Finance Corporation (IRFC) reported a 10.5% year-on-year increase in profit after tax (PAT) for Q3, reaching ₹1,802.19 crore. The company achieved its full-year sanction guidance of ₹60,000 crore within the first nine months. Assets under management (AUM) hit a record ₹4.75 lakh crore. The Q3 results reflect strong execution, diversification, and disciplined liability management. NIM improved by 8% year-on-year.
Financial Performance
IRFC’s Profit After Tax (PAT) for the quarter ended December 31, 2025, reached ₹1,802.19 crore, a 10.52% increase year-on-year. PAT for the nine-month period stood at ₹5,324.86 crore, up 10.47% from ₹4,820.13 crore last year. Total income for the quarter was ₹6,719.23 crore, and ₹20,009.38 crore for the nine-month period.
Key Highlights
The company achieved its full-year sanction guidance of ₹60,000 crore within the first nine months. The disbursement target of ₹30,000 crore is on track, with nearly three-fourths already disbursed. Net Interest Margin (NIM) improved by over 8% year-on-year. Assets Under Management (AUM) reached a record ₹4.75 lakh crore.
Strategic Transactions
IRFC refinanced DFCCIL’s World Bank loan of ₹9,821 crore, replacing foreign currency exposure with rupee financing. This is expected to generate savings and mitigate risk for the railway project.
Other Key Metrics
The company’s net worth reached ₹56,625.41 crore. Annualized Earnings Per Share (EPS) stood at ₹5.43. IRFC secured a JPY 46.458 billion (USD 300 million) External Commercial Borrowing facility from Sumitomo Mitsui Banking Corporation.
Source: BSE
