📈 The Underdog that Quietly Became a Multibagger (While You Followed Finfluencers)
EduInvesting.in | May 2025
“Beta, invest in PSUs. They are slow, but steady.”
— Your Dad, who bought BHEL at ₹12 and now won’t shut up
While you were double-tapping selfies, ranting about Zomato delivery delays, and watching Finfluencers flex ₹10 lakh portfolios (sponsored by broking apps, obviously) — one silent PSU gem just kept compounding.
It didn’t trend.
It didn’t hype.
It just made money.
Let’s talk about IRFC — the Indian Railways Finance Corporation — a stock that made 400% gains look boring.
🚆 The PSU That Didn’t Care About Clout
| 📊 Listing Price (2021) | 💀 Post-Listing Low | 🚀 May 2025 Price | 💥 Gain from Lows |
|---|---|---|---|
| ₹26 | ₹19 | ₹99 | +420% |
Yes. IRFC. The stock you ignored at ₹20 because it looked too government-y
.
Now it’s buying railway coaches like you buy Maggi.
🏛️ But Wait… What Even is IRFC?
No, it doesn’t operate trains.
It doesn’t run stations.
It doesn’t serve samosas.
IRFC is the financial brain of Indian Railways.
Think of it like the UPI of Indian trains — silently making everything work.
It borrows at low rates, lends to Indian Railways for projects (trains, wagons, electrification), and gets repaid — with full government backing.
🧠 It’s basically SBI but for locomotives.
🧾 What’s Driving the Rally?
1. 🚄 Massive Railway Capex Push
Union Budget 2024 allocated over ₹2.4 lakh crore to Indian
