Indian Railway Finance Corporation (IRFC) is catching serious attention among investors in 2025. With a current market price (CMP) of ₹134, this PSU giant has retraced from its 52-week high of ₹212, presenting an attractive buying zone between ₹125 to ₹135. For long-term investors, this is a golden opportunity to ride a fundamentally sound, government-backed stock with exponential growth potential.
Let’s dive into a detailed technical and fundamental analysis of IRFC stock, along with its 2026, 2030, and 2035 targets.
Market Capitalization
- ₹1.75 lakh crore (₹1,75,641 Cr) – per Screener data Angel One+12Screener+12Dhan+12
- Another source reports ₹1.749 lakh crore INDmoney
Shareholding Structure
1. Promoters (Government of India)
- Hold ~86.36% of the equity INDmoney+10Trendlyne.com+10Wikipedia+10
2. Foreign Institutional Investors (FIIs/FPIs)
- Stake around 0.93–0.98% (slightly down from ~1%) Trendlyne.comAngel OneGroww
3. Domestic Institutional Investors (DIIs)
- Hold roughly 1.3–1.5%Trendlyne.comGrowwDhan
- This includes:
- Mutual Funds: ~0.21–0.25% Dhan+3Trendlyne.com+3MarketsMojo+3
- Insurance Companies: ~1.08–1.15% Trendlyne.comMarketsMojoGroww
- This includes:
4. Public & Retail Investors
- Accounting for ~11.3% of shares ET Money+5Trendlyne.com+5Dhan+5
Summary Table – Q2 FY 2025‑26
| Category | Shareholding |
|---|---|
| Promoters (GoI) | 86.36% |
| FIIs/FPI | ~0.98% |
| DIIs (MFs + Insurance + Others) | ~1.3–1.5% |
| Public & Retail | ~11.3% |
Key Takeaways
- Government dominance: With over 86% promoter holding, IRFC remains firmly under state control.
- Minimal institutional exposure: FIIs and DIIs collectively hold under 3%, making it a low-institution-held stock.
- Healthy retail interest: Over 11% is held by public and retail investors, showing consumer confidence.
IRFC Stock Key Levels – July 2025
- CMP: ₹134
- 52-Week High: ₹212
- 52-Week Low: ₹108.04
- Buying Zone: ₹125 – ₹135
- Stop Loss: Below ₹100 (strong psychological & technical support)
- Target 2026: ₹250+
- Target 2030: ₹550 – ₹1,120
- Target 2035: ₹1,650 – ₹2,230
Why IRFC Looks Attractive at Current Levels
1. Strong Weekly Support at ₹100
On the weekly timeframe, ₹100 has acted as a reliable support multiple times. This level is not only a psychological anchor but also a technically strong area where buyers consistently step in. Long-term investors should keep this level in mind, as a break below it may indicate a structural weakness.
2. Bullish Breakout on the Weekly Chart
A bullish trendline breakout has been observed on the weekly chart, supported by higher-than-average volumes. This signifies strong institutional interest and momentum for the upcoming months. After this breakout, the stock entered a healthy retracement phase, giving a second chance for investors to enter.
3. Fibonacci Retracement Shows Ideal Entry Point
When we apply the Fibonacci retracement tool from the recent swing low to the high (₹52 to ₹212), the stock has corrected past the 0.618 golden ratio level, which lies around ₹130. Historically, this level has proven to be a strong accumulation zone in trending stocks, making it an ideal point for long-term entry.
Long-Term Investment Potential
IRFC is not just a technical play — it’s fundamentally strong. As a public sector NBFC solely dedicated to financing Indian Railways, it enjoys a monopoly business model with zero credit risk (since it lends only to Indian Railways).
With the Indian government continuing to invest heavily in railway modernization and infrastructure, IRFC’s role and revenue base will only grow stronger over the next decade.
Long-Term Targets
Target 2026: ₹250+
With momentum building and strong earnings growth, IRFC is expected to cross ₹250 by the end of 2026.
Target 2030: ₹550 – ₹1,120
If IRFC maintains its consistent performance and benefits from India’s railway expansion, ₹1,120 is achievable in the next 5 years.
Target 2035: ₹1,650 – ₹2,230
Compounding effect, regular dividends, and earnings growth could drive IRFC to ₹2,230 or higher by 2035, making it a
