<p>The dynamic response of the locomotive and the other wagons introduces the complexities that impact the track’s safety and operational effectiveness. The complexity arises due to the applied wheel load, which includes central and eccentric loading in the tread contact. Additionally, the influence of worn rail geometry and the effects of dynamic loading further contribute to these complexities, impacting stress distribution and overall rail performance. This study investigates the stress pattern variations in railway rails caused by the percentage area reduction of the rail head under different worn rail profiles and loading conditions. A finite element model was developed and validated against experimental data to ensure accuracy in stress predictions. Two worn rail profiles were analyzed under central and eccentric loading scenarios. This study explores the effects of offsetting the loading patch by 0 and 15&#xa0;mm from the central rail axis, along with the worn rail conditions, using two worn rail profiles, where 0–10% of the rail head area is designated as worn in each profile. Comparative analysis of results has been conducted for the new rail configuration and both worn rail profiles, providing insights into the implications of loading patch adjustments and worn rail scenarios on overall rail performance. This study underscores the importance of regularly monitoring and maintaining worn rails to mitigate safety risks and prevent structural failures.</p>