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Indian Railway Finance Corporation Limited IRFC

₹83.30The price one share last traded at, in rupees.▼ 2.33% · ₹1.99
52-wk low ₹7316% up the rangeThe highest and lowest price the share has traded at in the past year, and where today's price sits between the two.high ₹137

Daily candlesEach candle is one trading day. The chart opens on the last year; drag back past the start or open full screen and the rest loads, back to listing (or the first day in our data). The body runs from the open to the close, the thin lines to the high and low. Green closed up, red closed down.

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Split and bonus adjusted daily candles. Drag back past the start, or open full screen, and its whole history loads. Scroll or pinch to zoom; full screen adds indicators, drawing and measuring.

Test a strategy on IRFC

Real prices, every charge counted. Pick one or write your own.

Technical snapshotHow the share has been behaving: its momentum, its trend, how much of the trading was real buying to keep, and its returns.

EOD 13 Nov
RSI (14) · 30 oversold, 70 overboughtA score from 0 to 100 showing how strong recent up days were against recent down days.
59.9Neutral
0 oversold3070overbought 100
Delivery · bought to hold vs churnOf all the shares traded in a day, the share that actually changed hands and went into someone's demat account, rather than being bought and sold the same day.
33%Near average
today 33%20d avg 33.3%

The share of traded quantity that was actually delivered (not squared off intraday) - high delivery vs its 20-session average suggests real buying or holding, not just churn.

vs 50 DMAHow far today's close is above or below the average closing price of the last 50 trading days. It shows the medium-term trend.+5.3%vs 200 DMAHow far today's close is above or below the average closing price of the last 200 trading days, about ten months. It is the most watched line for the long-term trend.▼ 10.6%1 monthHow much the share price has changed over the period.+4.5%3 monthsHow much the share price has changed over the period.▼ 5.7%1 yearHow much the share price has changed over the period.▼ 31.4%Vol 30dHow much the share has actually been moving day to day, stated as a yearly percentage. 30% means it swung roughly 30% a year at that pace.34.4%

Are its options cheap or dear?It compares the movement option prices assume with the movement the share has actually shown.

Live in market hours

Implied volatility needs the live option chain, which is open 9:15 to 3:30.

Returns and valuationWhat the market pays for this company and how well the business uses its money.

Books to 30 Sept 2026
Market capWhat the whole company is worth on the stock market: share price times the number of shares. It measures size, not quality.₹1.1 L Cr13 NovP/EHow many rupees investors pay today for one rupee of the company's yearly profit. A P/E of 20 means paying ₹20 for ₹1 of annual profit.14.8xlast 4 quarters, to Sept 2026Return on equityHow much profit the company made on the shareholders' money in the business. 15% means ₹15 of profit a year on every ₹100 of owners' money.12.8%full year FY26Price to bookThe share price against the shareholders' money per share on the balance sheet. It asks what you pay for each rupee the owners have in the business.1.80xbooks of Sept 2026Dividend yieldThe cash paid out in a year as a percentage of today's share price. A 2% yield means ₹2 a year on a ₹100 share.2.64%last 12 monthsFCF marginOf every ₹100 of sales, how much cash was left after running the business and paying for new assets.-99.1%year to Mar 2026
A lender funds itself with deposits, so debt ratios do not apply and are left out.

Against its sectorWhere this company ranks among similar companies on each measure.

Financial Institution · 6 peers · medians
P/EHow many rupees investors pay today for one rupee of the company's yearly profit. A P/E of 20 means paying ₹20 for ₹1 of annual profit.14.77vs 12.18 median
Cheapest: PFC 4.19Priciest: IFCI 81.86
Net marginOf every ₹100 of sales, how much is left as profit after all costs, interest and tax.24.47%vs 27.27% median
Lowest: IFCI 22.07%Highest: TFCILTD 53.7%
Revenue growthHow much sales grew in the latest quarter against the same quarter a year earlier.23.45%vs 7.28% median
Lowest: RECLTD -1%Highest: HUDCO 25.52%

What the numbers sayShort plain statements about this company's latest figures.

Written by fixed rules

Latest quarterIn the quarter to September 2026 (results filed 15 Oct 2026), sales rose 23.5% from a year earlier to Rs 7,866 cr and profit rose 10.2% to Rs 1,958 cr.

Worth watching
  • Profit before interest covered interest 1.4 times in FY26 (Rs 20,005 cr of interest).
  • Operations used cash in FY26 (-Rs 27,026 cr) while reported profit was Rs 7,009 cr.
  • Promoter holding fell 3.5 points over 8 quarters (86.36% to 82.90%).

Each line is written by a fixed rule from the company's own filings and share price, and names the figures it uses. It describes what happened; it is not advice about the share.

How the share moved on resultsWhat the share price did around each recent quarterly result.

Over the last 19 results, the share rose on 7 and fell on 12, and moved by 3% or more on 6.

+18%
-18%
Q4 FY22Q1 FY24Q1 FY25Q1 FY26Q2 FY27

Q2 FY27: results filed 15 Oct 2026. The share went from its close on 14 Oct 2026 to its close on 16 Oct 2026 +0.63%.

Dividends paidCash the company has paid per share, year by year.

₹2,640 / year
Paid 6 of 6 yrs
on ₹1 lakh at today's price · 2.64% yield · ₹2.2/share
What each year paid, on ₹1 lakh
2,185
1,717
1,801
1,801
2,221
2,641
21
22
23
24
25
26*
* 2026 so far - more may still be declared this year

2026 has paid ₹2.20 per share, about ₹2,641 on ₹1 lakh at today's price. Dividends are at the company's discretion and can be cut or skipped.

What it has returnedThe yearly growth rate in the share price over each period, as if it had grown smoothly.

Price only, before dividends
+27.8%a year, over 5 years
1 yr
-31.0%
3 yr
+4.2%
5 yr
+27.8%

Held for 5 years this compounded at +27.8% a year. The last twelve months were down -31.0%. Price only, before dividends.

Who owns itThe share of the company held by its promoters, by foreign and domestic institutions, and by the public, quarter by quarter.

Shareholding pattern
82.9%promoter holding, as of 2026-09-30-3.5 pts since 2021
Promoter share since listing
2021-0982.9% now, drawn to its own range2026-09
Who owns it todayas of Sep 26
82.9%
Promoter82.9%Foreign (FII)1.1%Domestic (DII)4.0%Public & others12.0%
Who is buying, who is leavingJun 25 to Sep 26
Promoter82.9%-3.5 pts
Foreign (FII)1.1%+0.2 pts
Domestic (DII)4.0%+2.5 pts

Each line is that holder's share of all shares over the last 6 quarters, drawn to its own scale - the printed change is the size of the move. Mutual funds and insurers sit inside the domestic figure; hover the bar above for that split.

The promoter/promoter-group stake as a percentage of total shares, each quarter since listing. A rising line means promoters are adding to their stake; a falling one often means dilution, pledge-driven sales, or stake sales to new investors.

Insider tradesPurchases and sales of the company's own shares by promoters, directors and senior staff.

Last 18 months
Sell
President of India acting through and represented by the Ministry of Railways Government of India
Promoters · 02-Mar-2026 16:12
22.4 Cr sh
₹2332.6 Cr

Recent announcementsThe company's own filings to the exchange in the last six months: results, board meetings, investor calls and more, each with its source document.

Last 6 months
Analysts/Institutional Investor Meet/Con. Call Updates22-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange about Transcript

Copy of Newspaper Publication16-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange about Copy of Newspaper Publication

Analysts/Institutional Investor Meet/Con. Call Updates16-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange about

Press Release15-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding a press release dated October 15, 2026, titled "IRFC announces highest-ever H1 FY 2026-27 results, with revenue growth exceeding 20% and net profit grown by more than 10%".

Record Date15-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange that Record date for the purpose of Dividend is 23-Oct-2026.

Dividend15-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange that Board of Directors at its meeting held on October 15, 2026, declared Interim Dividend of Rs. 1.15 per equity share.

Outcome of Board Meeting15-Oct-2026

Indian Railway Finance Corporation Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026.

Analysts/Institutional Investor Meet/Con. Call Updates08-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange about Schedule of meet

Record Date07-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange that Record date for the purpose of Dividend is 23-Oct-2026.

Certificate under SEBI (Depositories and Participants) Regulations, 201807-Oct-2026

Indian Railway Finance Corporation Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

Pendency of Litigation(s)/dispute(s) or the outcome impacting the Company30-Sep-2026

Indian Railway Finance Corporation Limited has informed the Exchange about Pendency of Litigation(s)/dispute(s) or the outcome impacting the Company

Updates30-Sep-2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding 'Board Comments on fine levied by the Exchanges'.

Press Release28-Sep-2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding a press release dated September 28, 2026, titled "IRFC signs Rs 4.200 crore Loan Agreement with DVC for RenewableEnergy Projects".

Trading Window25-Sep-2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015

Change in Auditors17-Sep-2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding Change in Auditors of the company.

Backtest idea · IRFCMACD momentum

Momentum turning up, only while the long trend is up.

BuyMACD crosses above signal, price above 200-day SMA
SellMACD crosses back below
Real prices · every charge countedRun on IRFC
Backtest idea · IRFCLower band bounce

Buys a stretch below the usual range, sells on the way back.

BuyCloses below the lower Bollinger band
SellBack at the middle band, or 15 days
Real prices · every charge countedRun on IRFC
Backtest idea · IRFCSupertrend rider

Stays in while the trend line says up, out when it flips.

BuySupertrend turns up
SellSupertrend turns down
Real prices · every charge countedRun on IRFC
Your own ideaWrite a rule for IRFC in plain English“Buy IRFC when …”
Start writing
Buy the dip on IRFCBuy when RSI(14) drops below 30
52-week high breakout on IRFCBuy when closes at a 52-week high
Golden cross on IRFCBuy when 50-day EMA crosses above 200-day
Stochastic oversold on IRFCBuy when stochastic %K drops below 20
Pullback in an uptrend on IRFCBuy when RSI(14) below 40, price above 200-day EMA

At a glanceThe eight figures most people check first, each placed against companies in the same industry.

Against its sector
Market capWhat the whole company is worth on the stock market: share price times the number of shares. It measures size, not quality.
₹1.09 lakh cr
Larger than 83% of 6 peers
sector middle ₹33,393 cr
P/EHow many rupees investors pay today for one rupee of the company's yearly profit. A P/E of 20 means paying ₹20 for ₹1 of annual profit.
14.8x
Around the middle of 6 peers
sector middle 12.2x
Price to bookThe share price against the shareholders' money per share on the balance sheet. It asks what you pay for each rupee the owners have in the business.
1.8x
Higher than 67% of 6 peers
sector middle 1.5x
ROEHow much profit the company made on the shareholders' money in the business. 15% means ₹15 of profit a year on every ₹100 of owners' money.
12.8%
Lower than 67% of 6 peers
sector middle 17.4%
FY23 13.9%FY26 12.8%
Dividend yieldThe cash paid out in a year as a percentage of today's share price. A 2% yield means ₹2 a year on a ₹100 share.
2.6%
Around the middle of 6 peers
sector middle 2.8%
Sales growthHow much sales grew in the latest quarter against the same quarter a year earlier.
+23.4%
Higher than 83% of 6 peers
sector middle +7.3%
FY25 1.8%FY26 0.5%

Peers are the listed companies in the exchange's own industry group: Financial Institution. Balance-sheet figures are from the latest filed balance sheet; trends show each financial year we hold.

The business, year by yearSales and net profit by financial year or by quarter.

Sales and net profit
FY24FY25FY26
SalesNet profitfell vs last yearEach on its own scale · hover a bar for its figures
Op. marginOf every ₹100 of sales, the profit from the main business before depreciation, interest and tax.98.8%FY26Profit YoYHow much net profit grew in the latest quarter against the same quarter a year earlier.+10.2%latest quarterSalesMoney earned from selling the company's goods and services, before any costs. Also called revenue.₹27,285 CrFY26Net profitWhat is left for shareholders after all costs, interest and tax.₹7,009 CrFY26

How fast it has grownCompound growth a year in sales and profit, over 3 and 5 financial years, beside the latest quarter.

Compounded a year
3 years5 yearsLatest qtr
Sales--+23.4%
Profit--+10.2%
3 and 5 years are compounded a year across full financial years. The latest quarter is against the same quarter a year earlier.

Where the cash wentProfit is an accounting figure. Cash flow shows the money that really moved: in from the business, out on investments, and to or from lenders and shareholders.

From the cash flow statement

For a lender, operating cash is mostly loans made and deposits taken, not trading cash.

FY26Cash in or out
Running the business-₹27,026 Cr
Investing-₹3 Cr
Lenders and shareholders+₹21,560 Cr
Net change in cash-₹5,469 Cr

Health check, year by yearMargins, returns and debt for each financial year, so you can see the direction.

MeasureFY23FY24FY25FY26
ROEHow much profit the company made on the shareholders' money in the business. 15% means ₹15 of profit a year on every ₹100 of owners' money.13.9%13.6%12.8%12.8%

Each row against this company's own usual level: green better, red worse, grey close to it.

Backtest idea · IRFCStochastic oversold

Buys when the close sits near the bottom of its recent range.

BuyStochastic %K drops below 20
Sell8% profit, or after 15 days
Real prices · every charge countedRun on IRFC
Backtest idea · IRFCPullback in an uptrend

Buys a pause inside a rising trend.

BuyRSI(14) below 40, price above 200-day EMA
Sell8% profit, or after 30 days
Real prices · every charge countedRun on IRFC
Backtest idea · IRFCBuy the dip

Buys after a sharp fall, betting on a bounce.

BuyRSI(14) drops below 30
Sell10% profit, or after 20 days
Real prices · every charge countedRun on IRFC
Backtest idea · IRFC52-week high breakout

Buys strength, when the price makes a new one-year high.

BuyCloses at a 52-week high
Sell8% stop loss
Real prices · every charge countedRun on IRFC
Backtest idea · IRFCGolden cross

Follows the long trend: in when the fast average crosses above the slow one.

Buy50-day EMA crosses above 200-day
SellWhen it crosses back below
Real prices · every charge countedRun on IRFC
MACD momentum on IRFCBuy when MACD crosses above signal, price above 200-day SMA
Lower band bounce on IRFCBuy when closes below the lower Bollinger band
Supertrend rider on IRFCBuy when supertrend turns up
Buy the dip on IRFCBuy when RSI(14) drops below 30
52-week high breakout on IRFCBuy when closes at a 52-week high

Peers side by sideCompanies in the same exchange-defined industry group, largest first. Tap a heading to sort.

Financial Institution
CompanyWhat the whole company is worth on the stock market: share price times the number of shares. It measures size, not quality.How many rupees investors pay today for one rupee of the company's yearly profit. A P/E of 20 means paying ₹20 for ₹1 of annual profit.The share price against the shareholders' money per share on the balance sheet. It asks what you pay for each rupee the owners have in the business.How much profit the company made on the shareholders' money in the business. 15% means ₹15 of profit a year on every ₹100 of owners' money.Borrowings compared with the shareholders' money. 1 means the company owes as much as its owners have put in; 0 means no borrowings.Of every ₹100 of sales, how much is left as profit after all costs, interest and tax.How much sales grew in the latest quarter against the same quarter a year earlier.The cash paid out in a year as a percentage of today's share price. A 2% yield means ₹2 a year on a ₹100 share.
PFC
Power Finance Corporation Limited
1.10 L cr4.2x0.8x20.5%1.8929.0%+0.5%5.61%
IRFC
Indian Railway Finance Corporation Limited
1.09 L cr14.8x1.8x12.8%-24.5%+23.4%2.64%
RECLTD
REC Limited
79,484 cr5.3x0.8x19.2%-25.6%-1.0%5.67%
HUDCO
Housing & Urban Development Corporation Limited
33,552 cr7.5x1.5x20.2%4.6030.2%+25.5%4.47%
IREDA
Indian Renewable Energy Development Agency Limited
33,233 cr16.8x2.3x15.6%-22.1%+14.0%1.14%
IFCI
IFCI Limited
16,761 cr81.9x1.5x2.8%0.0022.1%+0.1%0.00%
TFCILTD
Tourism Finance Corporation of India Limited
7,591 cr46.4x5.5x9.8%0.7053.7%+20.7%0.37%

Swipe the table sideways for more columns. Tap a heading to sort. A dash means the figure is not filed or cannot be worked out for that company. A bigger cohort is cut to its 40 largest companies.

Month by monthThe share's price change in every calendar month, one row per year, so you can check for yourself whether a month has a pattern.

Price return each month
YearJanFebMarAprMayJunJulAugSepOctNovDecYear
2026
-3.6
-13.8
-15.8
+19.5
-6.4
-7.0
-1.7
-6.5
-4.9
-7.5
+13.5
·
-33.1%
11m
2025
+1.3
-25.5
+10.7
+0.0
+11.6
+2.0
-9.4
-8.0
+4.6
-0.2
-4.7
+6.0
-16.4%
2024
+76.3
-16.2
-3.0
+10.5
+13.1
-2.2
+11.4
-7.8
-11.1
-1.7
-4.2
-0.2
+50.0%
2023
+1.5
-18.5
-1.3
+19.4
+1.4
+1.6
+16.8
+31.4
+52.5
-5.2
+2.8
+33.1
+205.2%
2022
+2.2
-7.5
-0.7
+4.0
-4.9
-7.3
+4.8
+3.9
-0.7
+6.6
+44.8
-0.8
+42.5%
2021
·
-0.6
-7.1
-7.0
+11.5
+4.6
-7.4
-0.2
-0.4
+5.9
-3.9
-1.7
-7.9%
11m
Monthly movebelow -10%-10 to -5-5 to -2-2 to 00 to +2+2 to +5+5 to +10above +10%month in progress

Month-on-month change in closing price, adjusted for splits and bonuses but not for dividends, so a large dividend shows up here as a fall. Starts from 1995, when the exchange began trading equities, or from the stock's listing if later. This is a record of what happened, not a forecast.

Deals and filingsLarge trades reported to the exchange, plus the company's documents sorted by type.

No bulk or block deals on record for IRFC in the window we hold.

The last two years of the company's filings to the exchange, grouped by the exchange's own categories. Each opens the original document.

Read enough? Test IRFC. “Buy IRFC when RSI(14) drops below 30, sell at 10% profit or after 20 days.” Real prices, every charge counted.

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