Indian Railway Finance Corporation Ltd Share price, Dividend, Returns and Should You Buy?

The IRFC share price today is around ₹80.70 on the NSE (as of about 11:53 AM IST, 16 October 2026), up roughly 2.2% from yesterday’s close of ₹78.90. This is the first full session after the Indian Railway Finance Corporation board approved its Q2 and H1 FY27 results and declared an interim dividend of ₹1.15 per share on 15 October 2026. This guide covers the latest NSE price snapshot, recent sessions, quarterly and yearly financials, balance sheet, valuation, peers, shareholding, technical levels and a balanced answer to the question most readers ask: should you buy IRFC now?

IRFC Share Price Today: Live Snapshot (16 October 2026)

IRFC Last Trading Sessions

The stock has been recovering from the ₹74–75 zone since 12 October, and today’s move is its strongest session since that bounce.

IRFC Q2 FY27 Results (Quarter Ended 30 September 2026)

IRFC announced its unaudited standalone results for the quarter and half year ended 30 September 2026 on 15 October 2026. Net profit rose about 10% year on year, and revenue grew faster than profit.

Sequential view (Q2 FY27 vs Q1 FY27):

Three points stand out. First, profit growth of about 10% is steady but slower than revenue growth of 23%, because interest costs grew faster than income. Second, financing margin of 24% is lower than a year ago (28%) but better than Q1 FY27 (22%). Third, quarterly profit has now crossed ₹1,950 crore for the first time, which is a fresh high for the company.

IRFC Interim Dividend 2026

Under the T+1 settlement cycle, the ex-dividend date normally falls on the record date itself, so shares must be held before the 23 October session to qualify. Confirm the exact ex-date on the exchange circular. The share price usually adjusts down by about the dividend amount on the ex-date.

IRFC Quarterly Results Trend (Last 9 Quarters)

Net profit has risen in six of the last eight quarters, and the climb from ₹1,613 crore to ₹1,958 crore over two years is the core of the IRFC story. Revenue, however, is mostly pass-through lease income, which is why margins stay in a narrow band.

IRFC Yearly Financials (FY22 to TTM)

Compounded growth:

Growth has slowed compared with the post-2020 boom years, but the trailing twelve months show a pickup in revenue. IRFC pays almost no tax, which is why profit before tax and net profit are nearly identical.

IRFC Balance Sheet and Cash Flow

Reserves have grown by about ₹11,400 crore in two and a half years, while borrowings have risen only about 5%. At September 2026, equity plus reserves are about ₹60,574 crore against borrowings of ₹4,31,483 crore, which works out to a debt-to-equity ratio of roughly 7.1. That is normal for a financing company.

Operating cash flow turned sharply negative in FY26 because IRFC lent and leased more than it collected, and it funded that through fresh borrowing. Readers should watch this line, as it shows how fast the loan book is growing.

IRFC Valuation and Key Ratios

The stock trades at about 1.7 times book value and 14 times earnings, which is a lower multiple than it commanded when the price was above ₹130.

IRFC vs Peers: Comparison Table

IRFC grows faster than PFC and REC, but it also trades at a much higher P/E (14.2 against about 4–5) and offers a lower dividend yield and lower ROCE. The market is paying a premium for its zero-NPA, railway-backed profile and its steady growth, not for high returns on capital.

IRFC Shareholding Pattern

The government’s holding has come down from 86.36% to 82.90% over two quarters, and domestic institutions have more than doubled their share to nearly 4%. The number of retail shareholders has slipped from a peak above 56 lakh in early 2025 to about 50 lakh.

IRFC Returns and 52-Week Range

IRFC Technicals: Moving Averages and Pivot Levels

Pivot levels below are calculated from the 15 October session (high ₹80.20, low ₹78.50, close ₹78.90). They are reference points, not forecasts.

The stock has now moved above most of these pivots, so traders will watch the 50-day average near ₹82.30 as the next hurdle and the 52-week low of ₹74.06 as the key floor.

Should You Buy IRFC Share Now?

No article can tell you what is right for your portfolio, so here is the evidence on both sides. This is not investment advice.

How different investors may look at it:

The honest summary is that IRFC is a steady, low-risk-of-default business with modest returns on capital, and its price depends heavily on market mood towards PSU stocks. Anyone considering it should decide on their time horizon, position size and risk limit first, and speak to a SEBI-registered advisor.

IRFC Stock Summary: Where It Stands Today

The stock is near ₹80.70, about 9% above its 52-week low and about 41% below its high. The company has just reported its highest-ever quarterly profit and declared a ₹1.15 interim dividend, yet the chart is still below all major moving averages and valuation is richer than that of other railway and power financiers. Bookmark this page for the latest price and results data.

FAQs on IRFC

What is the IRFC share price today? About ₹80.70 on the NSE as of late morning on 16 October 2026.

What is IRFC’s Q2 FY27 net profit? Net profit was ₹1,958 crore, up 10.21% from ₹1,777 crore a year ago.

What is the IRFC dividend and record date? An interim dividend of ₹1.15 per share, with a record date of 23 October 2026.

What is IRFC’s market cap? About ₹1,05,450 crore.

What is IRFC’s P/E ratio? About 14.2 on trailing earnings.

What are IRFC’s 52-week high and low? ₹137.17 and ₹74.06.

How much does the government own in IRFC? The promoter, the Government of India, holds 82.90% as of September 2026.

What is IRFC’s NSE symbol and BSE code? NSE: IRFC and BSE: 543257.

Disclaimer: This article is for information only and is not investment advice. Stock prices are volatile and past performance does not guarantee future returns. Please consult a SEBI-registered advisor before investing.