| Metric | Value (₹ Cr) | vs Q2 FY26 |
|---|---|---|
| Revenue | 6.7K | 4.5% |
| Total Income | 6.7K | 5.5% |
| Expenditure | 4.9K | 7.0% |
| PBT | 1.8K | 1.4% |
| Net Profit | 1.8K | 1.4% |
| OPM | 98.44% | 0.79pp |
| NPM | 26.82% | 1.07pp |
| EPS | 1.38 | 1.5% |
IRFC Reports Highest-Ever Profit, Achieves Annual Sanction Guidance Within Nine Months
19 Jan 2026 · 19 Jan, 2:29 pm
Summary
Indian Railway Finance Corporation (IRFC) reported its highest-ever profit for the third consecutive quarter, delivering double-digit growth in profitability and a sustained improvement in margins. The Corporation achieved its entire annual sanction target of Rs 60,000 crore within nine months and disbursed Rs 30,000 crore for the year, with three-fourths already disbursed. The Corporation also reported its highest-ever net worth of Rs 56,625.41 crore and an annualised Earnings Per Share (EPS) of Rs 5.43.
Key Highlights
- 1
Highest-ever quarterly PAT of Rs 1,802.19 crore
- 2
Double-digit growth in PAT of 10.47% for the nine-month period
- 3
Net Interest Margin (NIM) improved by over 8% on a year-on-year basis
- 4
Assets Under Management (AUM) rose to a record 34.75 lakh crore
- 5
Annual sanction guidance of Rs 60,000 crore achieved within nine months
- 6
Disbursement target of Rs 30,000 crore on track
- 7
Highest-ever net worth of Rs 56,625.41 crore
- 8
Annualised EPS of Rs 5.43
- 9
Secured a JPY 46.458 billion (USD 300 million) External Commercial Borrowing facility from Sumitomo Mitsui Banking Corporation
- 10
Received fifth consecutive ‘Excellent’ performance rating post listing from the Department of Public Enterprises (DPE)
Management Comments
Manoj Kumar Dubey
Chairman and Managing Director of IRFC
The quarter reflects strong execution under IRFC 2.0. Our Q3 performance demonstrates the resilience of IRFC'’s business model and the effectiveness of diversification across both core railway financing and allied infrastructure segments. Importantly, we have already achieved our annual sanction guidance of Rs 60,000 crore within nine months itself, which underlines the robustness of our pipeline and the speed of execution.
Informational and educational content only. Not investment advice.