Indian Railway Finance Corporation Limited

rs,

Complex, Bandra (E) Mumbai-400 051 BSE Limited Listing Dept / Dept of Corporate Services, P) Towers, Dalal Street, Mumbai -400 001 Scrip Symbol: ]RFC Scrip Code: 543257 SLib: Intimation of ]nvestor

98.73%

f India and  lending to other entities under the MoR AUM Break-Up (FY23) Minimal credit risk : 98.73% of AUM is exposure to MoR Loan to RVNL & IRCON, 1.27% Advance against Railway Infrastructure

1.27%

M Break-Up (FY23) Minimal credit risk : 98.73% of AUM is exposure to MoR Loan to RVNL & IRCON, 1.27% Advance against Railway Infrastructure Assets to be lease (including National … Lease Recei

38.87%

ailway Infrastructure Assets to be lease (including National … Lease Receivables R/S Asset, 38.87% Lease Receivables Project Assets, 13.42% AUM / CAGR (FY19-FY23) Net worth (FY 23) RoE / RoA (

13.42%

(including National … Lease Receivables R/S Asset, 38.87% Lease Receivables Project Assets, 13.42% AUM / CAGR (FY19-FY23) Net worth (FY 23) RoE / RoA (FY 23) INR 4,66,938.42 Cr 25.05% INR 45,4

INR 4,66,938.42

Receivables Project Assets, 13.42% AUM / CAGR (FY19-FY23) Net worth (FY 23) RoE / RoA (FY 23) INR 4,66,938.42 Cr 25.05% INR 45,470.31 Cr 14.66% / 1.35% GNPA NIL Tax Liability NIL Total Debt (FY 23) NI

25.05%

Assets, 13.42% AUM / CAGR (FY19-FY23) Net worth (FY 23) RoE / RoA (FY 23) INR 4,66,938.42 Cr 25.05% INR 45,470.31 Cr 14.66% / 1.35% GNPA NIL Tax Liability NIL Total Debt (FY 23) NIM (Upto FY

INR 45,470.31

13.42% AUM / CAGR (FY19-FY23) Net worth (FY 23) RoE / RoA (FY 23) INR 4,66,938.42 Cr 25.05% INR 45,470.31 Cr 14.66% / 1.35% GNPA NIL Tax Liability NIL Total Debt (FY 23) NIM (Upto FY 23) Ratings

14.66%

R (FY19-FY23) Net worth (FY 23) RoE / RoA (FY 23) INR 4,66,938.42 Cr 25.05% INR 45,470.31 Cr 14.66% / 1.35% GNPA NIL Tax Liability NIL Total Debt (FY 23) NIM (Upto FY 23) Ratings INR 4,18,92

1.35%

Y23) Net worth (FY 23) RoE / RoA (FY 23) INR 4,66,938.42 Cr 25.05% INR 45,470.31 Cr 14.66% / 1.35% GNPA NIL Tax Liability NIL Total Debt (FY 23) NIM (Upto FY 23) Ratings INR 4,18,929.26 Cr

INR 4,18,929.26

Cr 14.66% / 1.35% GNPA NIL Tax Liability NIL Total Debt (FY 23) NIM (Upto FY 23) Ratings INR 4,18,929.26 Cr 1.42% CRISIL AAA | CRISIL A1+ ICRA AAA | ICRA A1+ CARE AAA | CARE A1+ Net Gearing Ratio (FY 2

1.42%

GNPA NIL Tax Liability NIL Total Debt (FY 23) NIM (Upto FY 23) Ratings INR 4,18,929.26 Cr 1.42% CRISIL AAA | CRISIL A1+ ICRA AAA | ICRA A1+ CARE AAA | CARE A1+ Net Gearing Ratio (FY 23) 9.21x

“* Answers will be given only to non price sensitive questions.”

Domestic

1

Domestic

Long term rating CRISIL ICRA CARE Short term rating CRISIL ICRA CARE International ** Moody’s Standard and Poor’s Fitch Japanese Credit Rating Agency Rating Outlook CRISIL AAA ICRA AAA CARE AAA Stable Stable Stable CRISIL A1+ ICRA A1+ CARE A1+ Baa3 BBB- BBB- BBB+ – – – Stable Stable Stable Stable Diversified sources of funding, credit ratings and strategic relationship with the MoR, have enabled IRFC to keep costs of borrowing competitive  **On par with India’s sovereign ratings; 6 Consistent Financial Performance Net Interest Income & PAT Net Interest Income PAT . 8 3 5 0 2 6 , . 3 8 9 8 0 6 , . 3 2 3 7 3 6 , . 1 0 7 3 3 6 , . 1 6 4 1 5 4 , . 3 1 6 1 4 4 , . 0 1 2 9 1 3 , . 3 5 4 2 2 3 , . 8 5 1 8 7 2 , . 6 4 1 0 0 2 , . 3 9 9 3 1 2 , . 0 8 3 5 5 2 , F Y 1 8 F Y 1 9 F Y 2 0 F Y 2 1 F Y 2 2 F Y 2 3 Negligible Operating Expenses 30 25 20 15 10 5 0 Operating Exp Operating Exp as a % of Total Income 0.15% 0.11% 0.10% 0.11% 0.13% 0.12% 14 13 14 17 27 FY 18 FY 19 FY 20 FY 21 FY 22 27.61 FY