Indian Railway Finance Corporation Limited

rs,

Bandra-Kurla Complex, Bandra (E) Mumbai-400 051 Listing Dept / Dept of Corporate Services, P| Towers, Dalal Street, Mumbai -400 001 Scrip Symbol: IRFC Scrip Code: 543257 §!±b: Intimation of lnvestor

32.6%

& CONFIDENTIAL 14th February 2022 Key Strengths 1 Strategic role in growth of Indian Railways 32.6% AUM CAGR (FY19-21) ◼ Dedicated market borrowing arm for the Indian Railways (IR) Financed 67.3% o

67.3%

32.6% AUM CAGR (FY19-21) ◼ Dedicated market borrowing arm for the Indian Railways (IR) Financed 67.3% of the capital outlay of the IR in FY 20-21 ◼ ◼ Highest ever annual disbursement to MoR, at INR 1,0

INR 1,04,369 crore

d 67.3% of the capital outlay of the IR in FY 20-21 ◼ ◼ Highest ever annual disbursement to MoR, at INR 1,04,369 crore during the FY 20- 21 ◼ AUM has grown sat 38.83% 9M on 9M and stands at INR 4,02,300.8 crore 2 3

38.83%

est ever annual disbursement to MoR, at INR 1,04,369 crore during the FY 20- 21 ◼ AUM has grown sat 38.83% 9M on 9M and stands at INR 4,02,300.8 crore 2 3 4 5 6 Low risk, Cost –Plus business model G

INR 4,02,300.8 crore

o MoR, at INR 1,04,369 crore during the FY 20- 21 ◼ AUM has grown sat 38.83% 9M on 9M and stands at INR 4,02,300.8 crore 2 3 4 5 6 Low risk, Cost –Plus business model GNPA (Q2FY22) NIL ◼ ◼ ◼ Strategic relati

INR 3,95,046.74

Lease Agreement. Cumulative Gap over 5 yrs Consistent financial performance Net Worth (9MFY22) INR 3,95,046.74 Cr Profit growth of 56.71% on Q3 on Q3 basis for FY 2021-22 ◼ ◼ Revenue from operations grew by 26

56.71%

5 yrs Consistent financial performance Net Worth (9MFY22) INR 3,95,046.74 Cr Profit growth of 56.71% on Q3 on Q3 basis for FY 2021-22 ◼ ◼ Revenue from operations grew by 26.97% on Q3 to Q3 basis for

26.97%

4 Cr Profit growth of 56.71% on Q3 on Q3 basis for FY 2021-22 ◼ ◼ Revenue from operations grew by 26.97% on Q3 to Q3 basis for FY 2021-22 Low overheads, administrative costs and high operational efficien

1.45%

overheads, administrative costs and high operational efficiency ◼ ◼ Healthy return ratios – RoA at 1.45% and RoE at 15.62% for Q3FY22 (Annualised) Enjoys Regulatory Exemptions Tax Liability NIL ◼ Ex

15.62%

strative costs and high operational efficiency ◼ ◼ Healthy return ratios – RoA at 1.45% and RoE at 15.62% for Q3FY22 (Annualised) Enjoys Regulatory Exemptions Tax Liability NIL ◼ Exempted from the RB

36.0%

y Japan 50 India 49 China INR Bn MoR’s increasing dependence on IRFC for financing 1,020 36.0% FY18 1,334 39.4% 1,481 48.2% 1,552 67.3% FY19 FY20 FY21 Railways Capital Outlay IRFC Di

“* 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 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; PRIVATE & CONFIDENTIAL 6 Consistent Financial Performance Net Interest Income & PAT 4 5 5 2 , 1 0 0 2 , 2 8 7 2 , 0 4 1 2 , 5 2 2 3 , 2 9 1 3 , Net Interest Income 3 3 5 4 6 1 4 4 , , PAT 5 4 6 4 , 7 9 5 4 , 1 4 0 3 , 3 0 0 3 , 6 9 9 2 , 4 3 9 2 , FY 18 FY 19 FY 20 FY 21 Upto Q1 22 Upto Q3 21 Upto Q3 22 14 0.15% 13 0.11% Negligible Operating Expenses 17 14 0.10% 0.11% 11 0.12% 10 0.09% 20 15 10 5 - 16 0.20% 0.15% 0.11% 0.10% 0.05% 0.00% FY 18 FY 19 FY 20 FY 21 Upto Q2 22 Upto Q3 21 Upto Q3 22 Operating Expenses Operating Ex