Earnings Review
IRFC Jul-Sept net profit rises 10% YoY, revenue down 29%
This story was originally published at 16:11 IST on 15 October 2025
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--IRFC Jul-Sept net profit INR 17.77 bln vs INR 16.13 bln year ago
--IRFC Jul-Sept revenue INR 63.72 bln vs INR 68.99 bln year ago
--IRFC Apr-Sept net profit INR 35.23 bln vs INR 31.89 bln year ago
--IRFC Apr-Sept revenue INR 132.87 bln vs INR 136.65 bln year ago
--IRFC to pay INR 1.05 per share interim dividend
--IRFC interim dividend record date is Oct 24
--IRFC current AUM at INR 4.62 tln
--IRFC annualised net interest margin at 1.55% on Sept 30
By Akshat Saksena
MUMBAI – Indian Railway Finance Corp. Ltd. reported a double-digit growth in the September quarter net profit from a year ago, as a decline in its revenue was offset by a fall in expenses. The company's revenue fell because of a sharp decline in lease income despite a sharp rise in interest income.
The company's net profit for the quarter rose over 10% on year to INR 17.77 billion. The company's revenue fell 7.6% on year to INR 63.72 billion. The revenue fell because of a decline of almost 29% on year in the lease income to INR 35.43 billion, which is its primary source of revenue.
The company's interest income rose 47% on year to INR 28.29 billion. The total expenses fell over 13% on year to around INR 46 billion as finance costs declined over 13% to INR 45.44 billion for the September quarter.
For the half year ended September, the company reported a net profit of INR 35.23 billion, up 10.5% from the corresponding period of the previous year. The company revenue for the period was INR 132.90 billion. The company's assets under management were at INR 4.6 trillion as on Sept. 30, unchanged from previous year. The company said it has sanctioned and executed business agreements worth INR 453.82 billion for the period. The net interest margin as on Sept. 30 was nearly 1.6%.
The board of directors has declared the highest-ever interim dividend of INR 1.05 per share. The company has set Oct. 24 as the record date to determine eligibility of the shareholders for the interim dividend.
On the National Stock Exchange, shares of the company closed 0.3% higher at INR 124.88. End
Edited by Ashish Shirke
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