{"id":152142,"date":"2026-07-15T11:35:21","date_gmt":"2026-07-15T06:05:21","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=152142"},"modified":"2026-07-15T11:35:27","modified_gmt":"2026-07-15T06:05:27","slug":"pfc-vs-irfc-asset-quality-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/pfc-vs-irfc-asset-quality-2026\/","title":{"rendered":"PFC vs IRFC: Asset Quality Comparison: Which Financing PSU Wins"},"content":{"rendered":"
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PFC CMP Rs 406.50, loan book Rs 11.51 lakh Cr, FY26 profit Rs 14,367 Cr. IRFC CMP Rs 94.37, FY26 profit Rs 7,009 Cr (record, +7.8% YoY), cost-plus leasing model.<\/em><\/p>\n

PFC<\/a> vs IRFC<\/a>: Asset Quality is a comparison frequently made by investors evaluating two different ways to access India’s infrastructure financing theme, one built around power sector project financing with diversified borrower base and the other around cost-plus leasing model financing exclusively Indian Railways.<\/p>\n

PFC’s growth is tied to power sector project financing with diversified borrower base, while IRFC’s growth depends more on cost-plus leasing model financing exclusively Indian Railways. PFC vs IRFC: Asset Quality depends significantly on which business approach an investor finds more convincing for their portfolio.<\/p>\n

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This article examines PFC vs IRFC: Asset Quality, comparing their business models and the risks specific to each company’s growth drivers.<\/p>\n

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