IRFC Raises JPY-Equivalent $400 Million ECB

Indian Railway Finance Corporation Limited (IRFC) has signed a loan agreement with a consortium comprising Sumitomo Mitsui Banking Corporation, GIFT City Branch, and MUFG Bank Ltd, GIFT City Branch in New Delhi to raise an External Commercial Borrowing loan of USD 400 million (mn) on a JPY-equivalent basis. The agreement was executed on 25 February 2026 and represents the second external commercial borrowing raised by IRFC in fiscal year 2025–26, following a USD 300 million (mn) ECB in December 2025.

The facility is unsecured and has been structured for a five-year tenor, with interest benchmarked to the Tokyo Overnight Average Rate (TONAR). The lenders are Sumitomo Mitsui Banking Corporation and MUFG Bank Ltd, both operating through their GIFT City branches, and the borrower is IRFC. The loan documentation sets out that the aggregated facility amount corresponds to the JPY-equivalent of USD 400 mn and that the aggregated outstanding amount under the agreement is the same.

Proceeds from the facility will be applied towards financing projects that have forward or backward linkage with the railway sector or other projects as approved by the company in accordance with External Commercial Borrowing guidelines. IRFC indicated that the transaction aims to optimise its weighted average borrowing cost, deepen engagement with global capital markets and strengthen its capacity to support the ongoing expansion and modernisation of railway infrastructure. The company framed the transaction as reinforcing investor confidence in its financial fundamentals.

The disclosure of the transaction has been submitted to the stock exchanges in compliance with applicable listing regulations and SEBI requirements. IRFC acknowledged the involvement of its ECB team and senior finance personnel in arranging the facility and said it will continue to pursue diversified avenues for resource mobilisation to support long-term infrastructure objectives. No security has been provided for the facility and there are no related party implications reported.

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