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India Home Loan (BOM:530979) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
India Home Loan Effective Interest Rate on Debt % Related Terms
India Home Loan Effective Interest Rate on Debt % Historical Data
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The historical data trend for India Home Loan's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
India Home Loan Effective Interest Rate on Debt % Chart
BOM:530979 vs RKT, FNMA, PFSI: Effective Interest Rate on Debt % Comparison
For the Mortgage Finance subindustry, India Home Loan's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
India Home Loan Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where India Home Loan's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Jun. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of % mean?
India Home Loan (BOM:530979) has a Effective Interest Rate on Debt % of % as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on India Home Loan and its competitors.
Is India Home Loan's Effective Interest Rate on Debt % too high?
India Home Loan's current Effective Interest Rate on Debt % is %. Overall, India Home Loan has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Effective Interest Rate on Debt % compare to RKT and FNMA?
India Home Loan's Effective Interest Rate on Debt % of % can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on India Home Loan and its competitors. India Home Loan's current Effective Interest Rate on Debt % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Fairly Valued. The stock's GF Value™ is ₹30.69, compared to a current price of ₹32.20 — trading 4.9% above its estimated fair value. The current Effective Interest Rate on Debt % is %. India Home Loan's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For India Home Loan (BOM:530979), the current Effective Interest Rate on Debt % is % as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be overvalued.
The current stock price of ₹32.20 is trading 4.9% above its estimated GF Value™ of ₹30.69.
GuruFocus considers India Home Loan to be Fairly Valued.
Key valuation signals for BOM:530979:
Effective Interest Rate on Debt %: %
GF Value™: ₹30.69 vs. price of ₹32.20 (4.9% above fair value)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
54GF Score
Get the complete analysis for BOM:530979
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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