The financial service company reported a 7% sequential drop in the profit after tax (PAT) in the quarter under review to Rs 1,802 crore in Q3FY26, while the topline increased 10% quarter-on-quarter to Rs 6,661 crore in the October-December quarter of FY26.
The railway sector company is responsible for raising funds from the capital market at a competitive cost to augment railway plan finances.
IRFC’s interest income in Q4FY26 stood at Rs 2,902 crore versus Rs 2,311 crore in Q3FY26 and Rs 1,970 crore in Q4FY25, implying a 26% QoQ growth and a 47% YoY uptick.
The company incurred expenses of Rs 5,644 crore in the quarter under review versus Rs 4,917 crore in Q3FY26, while Rs 5,042 crore in Q4FY25. The expenditure was 15% higher QoQ while rising 12% YoY. The expenses were made under heads including finance cost, employee benefits and depreciation, amortisation & impairment, among other things.
Its net worth stood at Rs 56,749 crore as on March 31, 2026, compared to Rs 52,668 crore in the corresponding quarter of the last financial year.
The debt-to-equity ratio in Q4FY26 stood at 7.69 versus 7.38 in Q3FY26 and 7.83 in Q4FY25.For the financial year ended March 31, 2026, IRFC reported its highest-ever PAT of Rs 7,009 crore, compared to Rs 6,502 crore in FY25, registering a year-on-year growth of 7.80%.
IRFC’s Assets Under Management (AUM) hit a record high, expanding to approximately Rs 4.85 lakh crore through fresh sanctions and disbursements in railway-linked segments.
The company reported a net interest margin (NIM) of 1.50%.
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