IFCI Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Operating margins have improved to 46.8% from 43.8%
CONS
- Net NPA is elevated at 78.4% - provisioning cushion is thin
- Capital adequacy is tight at -18.8% - limited headroom to grow
- Recent results are weak - TTM profit is down 33.0% versus prior year
- Company has a low return on equity of 5.6% over last 3 years
- Company has a low return on capital employed of 10.8%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| PFC | 352.80 | 4.47 | 116427.59 | 5.26 | 8997.92 | 0.18 | 28526.86 | 0.32 | 10.05 | 99.88 |
| IRFC | 81.35 | 14.78 | 106312.30 | 2.58 | 1927.21 | 10.40 | 8261.11 | 451.73 | 5.64 | 99.49 |
| RECLTD | 315.00 | 5.17 | 82946.56 | 5.89 | 4192.76 | -6.11 | 14434.92 | -1.51 | 9.71 | 96.90 |
| IFCI | 85.14 | 131.51 | 22939.39 | 0.00 | 60.27 | -3.46 | 327.06 | 4.79 | 7.56 | 57.66 |
| TFCILTD | 143.15 | 77.53 | 6627.52 | 0.42 | 18.38 | -8.25 | 51.00 | -17.46 | 11.13 | 90.10 |
| SATIN | 216.85 | 5.85 | 2395.56 | 0.00 | 1226.46 | 2619.42 | 7621.36 | 983.89 | 12.15 | 62.96 |
| TRU | 4.21 | 0.00 | 50.04 | 0.00 | -10.58 | -16.29 | 11.27 | -62.55 | 3.48 | -79.12 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 211 | 487 | 334 | 457 | 272 | 487 | 342 | 402 | 312 | 635 | 376 | 459 | 327 | |
| 290 | -74 | 230 | 269 | 210 | 353 | 211 | -80 | 215 | 243 | 326 | 314 | 262 | |
| Operating Profit | 29 | 681 | 222 | 345 | 178 | 261 | 248 | 491 | 189 | 489 | 120 | 148 | 189 |
| OPM % | 13.67% | 139.62% | 66.33% | 75.51% | 65.40% | 53.50% | 72.55% | 122.29% | 60.66% | 77.03% | 32.01% | 32.21% | 57.66% |
| Other Income | 5 | 5 | 15 | 103 | 17 | 169 | -2 | 2 | 38 | 20 | 11 | 0 | 31 |
| Interest | 144 | 145 | 146 | 136 | 135 | 135 | 131 | 134 | 104 | 107 | 103 | 102 | 104 |
| Depreciation | 18 | 21 | 21 | 21 | 20 | 22 | 21 | 21 | 21 | 21 | 21 | 23 | 20 |
| -128 | 520 | 71 | 287 | 40 | 275 | 94 | 340 | 103 | 381 | 13 | 27 | 96 | |
| Tax % | -0.99% | 66.75% | 44.67% | 45.24% | 317.75% | 32.71% | 109.26% | 23.29% | 39.29% | 16.80% | -65.90% | -24.49% | 37.17% |
| Net Profit | 0 | 0 | 0 | 0 | -88 | 185 | -9 | 260 | 62 | 317 | 21 | 34 | 60 |
| -1 | 0 | 0 | 1 | -0 | 0 | -0 | 1 | 0 | 1 | -0 | 0 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3,579 | 4,129 | 2,821 | 2,872 | 2,066 | 1,552 | 1,695 | 1,987 | 2,019 | 2,069 | 1,797 | |
| 2,500 | 1,791 | 2,017 | 1,491 | 2,980 | 2,159 | 986 | 1,040 | 919 | 1,100 | 1,145 | |
| Operating Profit | 1,079 | 2,338 | 804 | 1,381 | -914 | -606 | 709 | 947 | 1,100 | 969 | 652 |
| OPM % | 30.15% | 56.63% | 28.51% | 48.07% | -44.23% | -39.06% | 41.84% | 47.66% | 54.49% | 46.84% | 36.29% |
| 752 | 307 | 366 | 58 | 49 | 92 | 33 | 456 | 268 | 57 | 52 | |
| Interest | 2,380 | 2,144 | 1,803 | 1,451 | 1,147 | 943 | 642 | 571 | 535 | 416 | 416 |
| Depreciation | 61 | 63 | 63 | 81 | 72 | 66 | 74 | 81 | 83 | 86 | 85 |
| Profit before Tax | -609 | 439 | -696 | -94 | -2,085 | -1,523 | 26 | 751 | 749 | 524 | 517 |
| Tax % | 46.75% | 5.10% | 31.58% | -136.85% | 8.31% | -15.62% | 559.28% | 67.90% | 53.46% | 17.07% | 16.38% |
| Net Profit | -324 | 416 | -476 | -223 | -1,912 | -1,761 | -120 | 241 | 349 | 435 | 433 |
| EPS | 0.00 | 2.26 | -2.88 | -1.36 | -10.24 | -8.71 | -0.95 | 0.42 | 0.63 | 0.67 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- -7%
- 5 Years:
- 0%
- 3 Years:
- 7%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- -7%
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- 12%
- 5 Years:
- 49%
- 3 Years:
- 73%
- 1 Year:
- 52%
RETURN ON EQUITY
- 10 Years:
- -10%
- 5 Years:
- -8%
- 3 Years:
- 6%
- Last Year:
- 5%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1,662 | 1,696 | 1,696 | 1,696 | 1,896 | 2,103 | 2,196 | 2,490 | 2,694 | 2,694 | |
| Minority Interest | 367 | 1,100 | 1,111 | 1,078 | 1,287 | 2,236 | 2,902 | 3,145 | 6,388 | 6,560 |
| 5,208 | 4,193 | 3,661 | 3,353 | 1,642 | 715 | 1,171 | 1,545 | 5,996 | 6,251 | |
| 20,714 | 21,485 | 17,822 | 14,050 | 12,425 | 8,214 | 8,528 | 7,936 | 6,899 | 7,470 | |
| Trade Payables | 204 | 297 | 380 | 440 | 621 | 393 | 275 | 463 | 428 | 401 |
| 5,054 | 502 | -395 | 186 | 786 | 901 | 1,437 | 3,340 | 3,318 | 3,194 | |
| Total Liabilities | 33,209 | 29,273 | 24,274 | 20,803 | 18,657 | 14,563 | 16,509 | 18,918 | 25,724 | 26,570 |
| 1,823 | 1,503 | 1,492 | 1,514 | 1,561 | 1,455 | 1,466 | 1,450 | 1,394 | 1,182 | |
| Capital Work in Progress | 3 | 2 | 1 | 4 | 9 | 12 | 5 | 13 | 22 | 0 |
| 5,150 | 7,363 | 5,580 | 3,963 | 5,504 | 6,541 | 7,700 | 8,678 | 15,323 | 15,081 | |
| 211 | 198 | 155 | 119 | 89 | 74 | 71 | 70 | 68 | 68 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 306 | 211 | 196 | |
| Cash & Bank | 2,213 | 1,622 | 1,668 | 2,581 | 2,520 | 2,294 | 3,757 | 5,046 | 5,515 | 7,102 |
| 23,808 | 18,584 | 15,378 | 12,623 | 8,974 | 4,188 | 3,509 | 3,355 | 3,189 | 2,941 | |
| Total Assets | 33,209 | 29,273 | 24,274 | 20,803 | 18,657 | 14,563 | 16,509 | 18,918 | 25,724 | 26,570 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 843 | -907 | 538 | 677 | -576 | -264 | -230 | 37 | -897 | 216 | |
| Cash from Investing | -8 | 195 | -23 | -33 | -103 | -30 | -59 | -155 | -70 | 25 |
| Cash from Financing | -29 | 43 | -234 | 196 | 193 | 73 | 465 | 404 | 415 | -149 |
| 765 | -734 | 186 | 798 | -348 | -213 | 70 | 261 | -638 | 156 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - IFCI Limited has informed the Exchange regarding Appointment of M/s Dhawan & Co as Statutory Auditor of the company for FY 2026-27 w.e.f. September 08, 2026.
2026-09-03 - IFCI Limited has informed the Exchange about Copy of Newspaper Publication regarding the Notice of 33rd AGM
2026-09-02 - IFCI Limited has informed the Exchange that Record date (Book Closure from September 19, 2026 to September 25, 2026) for the purpose of the Annual General Meeting.
2026-09-02 - IFCI Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 25, 2026
2026-08-18 - IFCI Limited has informed the Exchange about Credit Rating - Reaffirmation of Credit Rating - CARE Edge Rating Limited
2026-08-14 - IFCI Limited has informed the Exchange about Copy of Newspaper Publication - Special Window for transfer and Registration/Updation of email-ID & KYC details
2026-08-11 - IFCI Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-07 - IFCI Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018, for the quarter ended June 30, 2026.
2026-06-29 - IFCI Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
News
Recent coverage and analyst commentary for IFCI
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