Indian Railway Finance Corporation (IRFC) is a prominent financial institution in the Indian public sector undertaking that provides support for the expansion and modernisation of the Indian Railway. It is a Non-Banking Financial Company (NBFC) that raises money to fund Indian Railways. It was established in 1986 and played a vital role in funding rolling stock and railway infrastructure for decades. IRFC Share Price is currently at ₹111.60 as of 3rd March 2024. In this article, we will explore the IRFC share Price Target for 2025, 2026, and 2030 with a complete Stock Forecast, Financial & Market Analysis and Expert Insights.
Indian Railway Finance Corporation (IRFC)
Indian Railway Finance Corporation (IRFC) was established on 12 December 1986, incorporated by the Ministry of Railway, Government of India. It started borrowing from the market in 1987-88. IRFC first launched its initial public offering on 18 January 2021. The company was listed on the National Stock Exchange of India and Bombay Stock Exchange on 29 January 2021.
It is a financial arm of the Indian Railway, which provides financial support to develop the infrastructure, initiate new projects and help to develop the railway facilities. IRFC raises money through financial bonds and from banks and financial institutions.IRFC has earned profits every year since its inception. It was ranked among the top ten central public sector undertakings for four years in a row.
Historical Performance Of IRFC Share Price
The IRFC made its Stock Market Debut in 2021 with an initial listing price of ₹26 per share. After that, its price drastically increased and hit as one of the standout performers in the stock market, delivering multi-bagger returns to its investors. Look at some factors:
- Multibagger Returns: IRFC Shares have given an impressive return of 497% to the investors since ititsPO. It demeans someone invested ₹10,000 during its IPO, their investment would turn now into worth ₹59,700
- All-Time High: In mid-July of 2023, the Stock Price of IRFC reached its highest price of ₹229. However, after this peak, the share price has experienced a decline.
- Current Price: As of February 2025, the IRFC Shares are trading at around ₹131.15
- 52-Week Range: If we analyze the past year’s data, the IRFC’s Share Price has fluctuated between a 52-week high of ₹229 and a 52-week low of ₹87.10. It fairly shows the stock’s volatility and the potential for both growth and risk.
IRFC Fundamental Analysis: An Overview of Financial Performance
Before investing in the IRFC, every investor should analyze the current financial position of the Company. Here, we have shared the complete key ratio; you have to focus on checking out the financial positions of the IRFC below:
| Metric | Value |
| Market Cap | ₹ 1,71,288.91 Cr |
| 52-Week High | ₹ 229.00 |
| 52-Week Low | ₹ 116.65 |
| Face Value | ₹ 10 |
| Book Value | ₹39.38 |
| Return on Equity (ROE) | 12.60%. |
| Return on Capital Employed (ROCE) | 5.73 % |
| P/B Ratio | 3.48 |
| P/E Ratio | 25.43 |
| Dividend Yield | 1.18% |
| Sales Growth (YoY) | 12.32% |
| Profit Growth (YoY) | 3.97% |
| Earnings Per Share (EPS, TTM) | ₹5 |
| Promoter Holding | 86.36% |
| Net Profit Margin | 24.10% |
| Debt-to-Equity Ratio | 8.38 |
| Asset Quality (GNPA) | 0.00% |
| Open Price | ₹ 131.34 |
| High Price | ₹ 131.65 |
| Low Price | ₹ 126.40 |
| Previous Close | ₹ 131.05 |
| Trading Volume | 1,34,64,523 |
| Value (Lacs) | ₹ 17,265.30 |
| VWAP (Volume Weighted Average Price) | ₹ 127.73 |
| Upper Circuit Limit (UC) | ₹ 144.15 |
| Lower Circuit Limit (LC) | ₹ 117.94 |
Technical Analysis: IRFC Share Price Chart & Trends
Another important aspect of investing in any stock is Technical Analysis. We have shared the overview of the technical analysis of IRFC Share Price, which is given below:
- Moving Averages: The stock price shows a strong uptrend, with 50-day and 200-day moving averages indicating long-term growth.
- Relative Strength Index (RSI): Company’s RSI is 43.8. It indicates thatt the stock price is neither in the oversold zone nor in the overbought zone. MACD Indicator: The MACD line is above the signal line, confirming upward momentum.
- Apart from all this analysis, the company is the financial arm of the Indian Railways and is highly government-blacked, so it will bounce back and give good returns to investors.
IRFC Share Price Target 2025 to 2050
Many investors are eager to know about the future share price performance of the IRFC. Based on historical data, financial ratios, and future growth prospects, here are the projected share price targets for IRFC Limited:
| Years | Targets (Rs) |
|---|---|
| IRFC Share Price Target 2025 | ₹220 to ₹165 |
| IRFC Share Price Target 2026 | ₹365 to ₹270 |
| IRFC Share Price Target 2027 | ₹475 and ₹390 |
| IRFC Share Price Target 2028 | ₹605 to ₹520 |
| IRFC Share Price Target 2029 | ₹720 to ₹655 |
| IRFC Share Price Target 2030 | ₹890 and ₹785 |
| IRFC Share Price Target 2035 | ₹1,350 – 1,540 |
| IRFC Share Price Target 2040 | ₹1,700 – 2,450 |
| IRFC Share Price Target 2045 | ₹3,200 – 4,550 |
| IRFC Share Price Target 2050 | ₹6,000 – 9,000 |
IRFC Share Price Target 2025
As per the company’s financial (2023-2024), the total sales growth Increased from ₹23,722 crores (2023) to ₹26,645 crores (2024,,) and net profit rose from ₹6,167 crores (2023) to ₹6,412croresse (2024). The Operating Profit also grew from ₹23,588 crore (2023) to ₹26,513 crore (2024). If the company performed in the same ways, the targeted share price:
Share Price Target for 2025:
| Target | Price (₹) |
| Higher Target | 220 |
| Lower Targets | 165 |
Analysis: As per the in-depth analysis and trends, it is clear that, with consistent growth in sales, net profit, and operating profit, IRFC’s share price is expected to range between ₹220 to ₹165 by 2025.
IRFC Share Price Target 2026
Look out for some historical analysis of the Growth Trends of IRFC. The Company has achieved 19% sales growth in the last 10 years. IRFC also recorded a profit growth of 25% compound annual growth rate (CAGR) in the last 10 years. The company’s recent CaGR is 91%, increasing to 108% in the last year. If IRFC Ltd maintains this growth, the share Price in 2026 will be:
Share Price Target for 2026:
| Target | Price (₹) |
| Higher Target | 365 |
| Lower Targets | 270 |
Analysis: So, If IRFC maintains its growth trajectory, the share price could reach ₹365 to ₹270 by 2026.
IRFC Share Price Target 2027
The IRFC’s Financial Stability is also in good condition. The Equity Return of the IRFC has been 13% in the last 10 years, which increased to 15% in the last 3 years. The total assets of the company are ₹4,85,082 crore as of 2024, which were ₹4,90,359 in 2023. IRFC maintains its total assets and liabilities in a well-balanced manner. So, the share price target of IRFC in 2027 will be:
Share Price Target for 2027
| Target | Price (₹) |
| Higher Target | 475 |
| Lower Targets | 390 |
Analysis: If the company well balanced their assets and liabilities as in previous years, the IRFC’s Share price could range between ₹475 and ₹390 by 2027.
IRFC Share Price Target 2028
The Government’s evergreen project and new initiative regarding the Indian Railway can be directly beneficial for the IRFC. Apart from this, the Government of India also plays a key role in IRFC’s operations, appointing its board of directors. Stable government policies and infrastructure plans will drive growth for IRFC. If the government initiated these beneficial plans as same as previous plans, the Targeted price of IRF In 2028 will be:
Share Price Target for 2028:
| Target | Price (₹) |
| Higher Target | 605 |
| Lower Targets | 520 |
Analysis: Keep in mind that, With government support, IRFC share price can reach ₹605 to ₹520 by 2028.
IRFC Share Price Target 2029
Before Making any analysis for Share Price Target in 2029, you should focus on:
- Zero NPAs: IRFC has maintained a clean financial record since its inception.
- Infrastructure Projects: Signed agreements with RITES for railway infrastructure development.
Share Price Target for 2029:
| Target | Price (₹) |
| Higher Target | 720 |
| Lower Targets | 655 |
Analysis: S, that, after analyzing all the aspects, we can say IRFC’s strong fundamentals and infrastructure focus could push its share price to ₹720 to ₹655 by 2029.
IRFC Share Price Target 2030
The IRFC is the Financial arm of the Ministry of Railway. The government has recently announced that long-term focused projects regarding Infrastructure Development and Railway Modernization, like High-speed rail corridors, multi-model logistics parks, and renewable energy projects, will be directly beneficial for IRFC. The IRFC’s Continued support for the Indian Railway Growd can drastically improve the company’s growth.
Share Price Target for 2030:
| Target | Price (₹) |
| Higher Target | 890 |
| Lower Targets | 785 |
Analysis: By 2030, IRFC’s share price could range between ₹890 and ₹785, mainly depending on infrastructure and energy initiatives.
Long-Term Share Price Targets 2035 to 2050
The company is continuously increasing its assets, and its et profit margin has also increased as well. So, this is highly indicative that the government of India’s vision for the Indian Railway can directly affect the IRFC Share Price till 2050 in a positive manner.
| Year | Target Range (₹) |
| (For next 10 years) 2035 | 1,350 – 1,540 |
| 2040 | 1,700 – 2,450 |
| 2045 | 3,200 – 4,550 |
| 2050 | 6,000 – 9,000 |
Analysis: By 2050, India’s economy is expected to become a global superpower, and IRFC will benefit significantly from this growth. The share price could reach ₹6,000 to ₹9,000 by 2050.
Why Invest in IRFC Share?
- Government Backing: IRFC is operated by the Ministry of Railways, which ensures the stability and growth of the company.
- Strong Financials: Consistent sales and profit growth over the years.
- IRFC’s consistent sales and growth over the years are in the strong zone. Over t periods, the company’s net income, revenue growth, and market share are increasing in a good manner.
- Infrastructure Focus: The company is ka ey player in modernizing the Indian Railway, which focuses on the Infrastructural Development of the Railway,
- Zero NPAs: A clean financial record since inception.
Peer Comparision of IRFC
| Scrip Name | Price | Daily Change | M.Cap (Cr) | 1 Year Returns % | P/E (TTM) | PB Ratio |
| Indian Railway Finance Corporation Ltd | 131.00 | -2.30 | 174,203.18 | -17.94 | 26.66 | 3.35 |
| Bajaj Holdings & Investment Ltd | 11,537.20 | +268.40 | 125,410.48 | 31.06 | 52.13 | 6.13 |
| Maharashtra Scooters Ltd | 9,208.45 | -222.75 | 10,778.51 | 25.03 | 60.93 | 0.35 |
| Alfred Herbert (India) Ltd | 2,044.90 | +79.35 | 151.35 | 13.94 | 0.00 | 1.39 |
| Tata Investment Corporation Ltd | 5,834.55 | -72.90 | 29,888.92 | 5.73 | 109.74 | 0.82 |
| Aravali Securities & Finance Ltd | 4.38 | -0.23 | 6.98 | -15.10 | 0.00 | -9.04 |
Holding Pattern of IRFC Share
| Promoter Shareholding | 86.36% |
| FII Shareholding | 1.01% |
| DII Shareholding | 1.24% |
| Public Shareholding | 11.39% |
Investment Risks & Opportunities
- Opportunities: IRFC share is one of the best opportunities for long-term investment. IRFC’s monopoly in railway financing ensures strong long-term growth. Government backing offers financial stability for IRFCand.Increasing railway infrastructure projects enhances the revenue prospects of the company as well.
- Risk: Any unfavourable government policy changes could affect IRFC’s business. If the Ruling party losess, the election could also directly affect the IRFC Shares Price. Rising interest rates may increase borrowing costs, impacting profit margins. Market volatility can cause short-term price fluctuations.
Conclusion
IRFC is an important player among Financial services providers. This is a strong long-term investment backed by government policies, steady revenue streams, and growing railway infrastructure needs. However, investors should monitor macroeconomic conditions and government decisions before investing and also focus on industry trends and news as well.
FAQ
What is the IRFC share price target for 2025?
The expected target is ₹280 based on railway expansion projects and revenue growth
Is IRFC a good long-term investment?
Yes, due to its strong government support and growing railway sector.
What are the major risks in investing in IRFC stock?
The major risks to investing in IRFCare are Interest rate fluctuations, government policy changes and market volatility.
What is the Indian Railway Finance Corporation Ltd share price today?
The Indian Railway Finance Corporation Ltd shares price on nse is Rs.127.05 today.
Disclaimer:
Stock market investments are subject to risks. The predictions provided are based on research and past trends, and investors should do their analysis before making financial decisions. Make sure to ask and consult with industry experts and investors.