Indian Railway Finance Corporation Limited - Asset Resilience Ratio

Latest as of December 2025: 0.09%

Indian Railway Finance Corporation Limited (IRFC) has an Asset Resilience Ratio of 0.09% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check IRFC capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.

Liquid Assets

Rs4.30 Billion

≈ $46.52 Million USD Cash + Short-term Investments

Total Assets

Rs4.98 Trillion

≈ $53.89 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2018–2025)

This chart shows how Indian Railway Finance Corporation Limited's Asset Resilience Ratio has changed over time. See Indian Railway Finance Corporation Limit balance sheet independence to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Indian Railway Finance Corporation Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Indian Railway Finance Corporation Limit (IRFC) market capitalisation.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs0.00	0%
Short-term Investments	Rs4.30 Billion	0.09%
Total Liquid Assets	Rs4.30 Billion	0.09%

Asset Resilience Insights

Limited Liquidity: Indian Railway Finance Corporation Limited maintains only 0.09% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

Indian Railway Finance Corporation Limited Industry Peers by Asset Resilience Ratio

Compare Indian Railway Finance Corporation Limited's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
ZIP Co Ltd AU:ZIP	Credit Services	0.13%
FinVolution Group NYSE:FINV	Credit Services	10.65%
Latitude Group Holdings Ltd AU:LFS	Credit Services	3.67%
MAS Financial Services Limited NSE:MASFIN	Credit Services	5.68%
Muthoot Microfin Limited NSE:MUTHOOTMF	Credit Services	3.47%
Vardhman Holdings Limited NSE:VHL	Credit Services	0.03%
Clipan Finance Indonesia Tbk JK:CFIN	Credit Services	0.39%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%

Annual Asset Resilience Ratio for Indian Railway Finance Corporation Limited (2018–2025)

The table below shows the annual Asset Resilience Ratio data for Indian Railway Finance Corporation Limited.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-03-31	0.09%	Rs4.63 Billion ≈ $50.06 Million	Rs4.89 Trillion ≈ $52.87 Billion	-0.02pp
2024-03-31	0.12%	Rs5.77 Billion ≈ $62.45 Million	Rs4.85 Trillion ≈ $52.46 Billion	+0.05pp
2023-03-31	0.07%	Rs3.36 Billion ≈ $36.30 Million	Rs4.91 Trillion ≈ $53.12 Billion	-0.10pp
2022-03-31	0.17%	Rs7.46 Billion ≈ $80.63 Million	Rs4.50 Trillion ≈ $48.66 Billion	+0.07pp
2021-03-31	0.10%	Rs3.83 Billion ≈ $41.43 Million	Rs3.80 Trillion ≈ $41.15 Billion	-0.07pp
2020-03-31	0.17%	Rs4.61 Billion ≈ $49.86 Million	Rs2.76 Trillion ≈ $29.79 Billion	-0.25pp
2019-03-31	0.42%	Rs8.61 Billion ≈ $93.13 Million	Rs2.06 Trillion ≈ $22.33 Billion	-2.18pp
2018-03-31	2.59%	Rs41.87 Billion ≈ $452.77 Million	Rs1.61 Trillion ≈ $17.46 Billion	--

pp = percentage points

About Indian Railway Finance Corporation Limited

NSE:IRFC India Credit Services

Market Cap

$13.55 Billion

Rs1.25 Trillion INR

Market Cap Rank

#1766 Global

#60 in India

Share Price

Rs95.89

Change (1 day)

+2.74%

52-Week Range

Rs87.23 - Rs141.72

All Time High

Rs215.48