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Indian Railway Finance Corporation (IRFC) investor relations material
Indian Railway Finance Corporation Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary16 Oct, 2025
Executive summary
Achieved record profit after tax of INR 3,522.67 crore for H1 FY25-26, up 10.45% year-over-year, with the highest-ever quarterly and half-year PAT driven by strategic diversification and improved NIMs.
Net worth reached INR 56,193.85 crore as of September 30, 2025, with AUM at INR 4.62 lakh crore and 98.25% exposure to the Ministry of Railways.
Signed INR 45,382 crore in new business agreements in H1 FY26, focusing on power, renewables, transmission, coal mining, and industrial infrastructure.
Board declared a record interim dividend of INR 1.05 per share, the highest-ever interim payout.
Maintains a zero NPA record and highest credit ratings (AAA/A1+), emphasizing risk discipline and resilience.
Financial highlights
Net interest margin (NIM) improved to 1.55% (annualized) for H1 FY26, up from 1.42% last FY.
Net interest income for H1 FY26 was INR 3,590.30 crore, up 11.35% year-over-year.
Revenue from operations for H1 FY26 was INR 13,287.27 crore, a 2.76% decrease year-over-year.
Disbursement guidance for FY is INR 30,000 crore; INR 7,000 crore already achieved, with Q3 expected to add INR 10,000–15,000 crore.
AUM stands at INR 4.62 lakh crore; target mix in five years is 75% railways, 25% diversified sectors.
Outlook and guidance
Confident in achieving INR 30,000 crore disbursement for FY25-26; expects continued upward trend in AUM and profit.
Strategic diversification into power, renewables, logistics, ports, metro transportation, and allied sectors to drive long-term growth.
Anticipates double-digit annual and quarterly profit growth, with a strong business pipeline for the next 5–10 years.
Plans to support broader infrastructure within and beyond the railway ecosystem, including PPP projects and multi-modal logistics parks.
Reconcile interim dividend amount discrepancy
Financial impact of EBR IF 2019-20 moratorium?
How did diversification improve NIMs?
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Next Indian Railway Finance Corporation earnings date
Q3 25/2620 Jan, 2026
Next Indian Railway Finance Corporation earnings date
Q3 25/2620 Jan, 2026
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