Indian Railway Finance Corporation Limited (IRFC) has announced its un-audited financial results for the quarter and nine months ended December 31, 2025. The company reported a Profit After Tax (PAT) of ₹1,802.19 crore for the quarter, marking a significant year-on-year growth of 10.52% and achieving the highest-ever quarterly PAT in its history.

For the nine-month period ended December 31, 2025, the PAT stood at ₹5,324.86 crore, an increase of 10.47% compared to the corresponding period last year. The Net Interest Margin (NIM) for the quarter improved by over 8% year-on-year, attributed to value-accretive disbursements and disciplined liability management. Total income for the quarter was ₹6,719.23 crore, and for the nine-month period, it was ₹20,009.38 crore.

A key highlight for the quarter was IRFC achieving its entire annual sanction target of ₹60,000 crore within the first nine months. The disbursement target of ₹30,000 crore for the year is also on track, with three-fourths already disbursed. The company also successfully refinanced DFCCIL's loan amounting to ₹9,821 crore, replacing foreign currency exposure with rupee financing.

IRFC's Assets Under Management (AUM) reached a record ₹4.75 lakh crore as of December 31, 2025, alongside its highest-ever net worth of ₹56,625.41 crore. The company also secured a JPY 46.458 billion (USD 300 million) External Commercial Borrowing facility. IRFC maintained its zero non-performing asset (NPA) record and received its fifth consecutive "Excellent" performance rating from the Department of Public Enterprises (DPE).