Patdiam Jewellery (BOM:539401) Effective Interest Rate on Debt %: 11.40% (As of Mar. 2026)

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BOM:539401 Patdiam Jewellery Ltd BOM:539401
83 GF Score
Price ₹325.00
GF Value ₹410.99
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Patdiam Jewellery Effective Interest Rate on Debt %?

Patdiam Jewellery BOM:539401 83 Effective Interest Rate on Debt % is 11.40% as of Mar. 2026. GuruFocus rates BOM:539401 with a GF Score™ of 83/100 and a GF Value™ of ₹410.99 (Modestly Undervalued). The stock has 7 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Patdiam Jewellery's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹24 Mil. Patdiam Jewellery's average total debt for the quarter that ended in Mar. 2026 was ₹211 Mil. Therefore, Patdiam Jewellery's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 11.40%.


Patdiam Jewellery  (BOM:539401) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Patdiam Jewellery Effective Interest Rate on Debt % Related Terms


Patdiam Jewellery Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Patdiam Jewellery'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.

Patdiam Jewellery Effective Interest Rate on Debt % Chart

Patdiam Jewellery Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.76 10.48 16.14 11.86 4.81

Patdiam Jewellery Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.82 12.99 9.21 7.80 11.40

BOM:539401 vs TPR: Effective Interest Rate on Debt % Comparison

For the Luxury Goods subindustry, Patdiam Jewellery'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.


Patdiam Jewellery Effective Interest Rate on Debt % vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Patdiam Jewellery's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Patdiam Jewellery's Effective Interest Rate on Debt % falls into.


BOM:539401
83GF Score
Patdiam Jewellery Ltd BOM:539401
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Patdiam Jewellery Effective Interest Rate on Debt % Calculation

Patdiam Jewellery's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2025 )+Total Debt  (A: Mar. 2026 ))/ count )
=-1  *  -10.062/( (143.231+274.991)/ 2 )
=-1  *  -10.062/209.111
=4.81 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=9.015 + 134.216
=143.231

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=43.79 + 231.201
=274.991

Patdiam Jewellery's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -24.094/( (147.58+274.991)/ 2 )
=-1  *  -24.094/211.2855
=11.40 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=6.475 + 141.105
=147.58

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=43.79 + 231.201
=274.991

* 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 two times the semi-annual (Mar. 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 11.40% mean?
Patdiam Jewellery (BOM:539401) has a Effective Interest Rate on Debt % of 11.40% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Patdiam Jewellery and its competitors.
Is Patdiam Jewellery's Effective Interest Rate on Debt % too high?
Patdiam Jewellery's current Effective Interest Rate on Debt % is 11.40%. Overall, Patdiam Jewellery has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Patdiam Jewellery's Effective Interest Rate on Debt % compare to TPR?
Patdiam Jewellery's Effective Interest Rate on Debt % of 11.40% can be compared against companies in the Retail - Cyclical 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 Retail - Cyclical company?
A good Effective Interest Rate on Debt % depends on the Retail - Cyclical 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 Patdiam Jewellery and its competitors. Patdiam Jewellery's current Effective Interest Rate on Debt % is 11.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Patdiam Jewellery stock overvalued right now?
Based on GuruFocus' analysis, Patdiam Jewellery (BOM:539401) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹410.99, compared to a current price of ₹325.00 — trading 20.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 11.40%. Patdiam Jewellery's overall GF Score™ is 83/100 with 7 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 Patdiam Jewellery (BOM:539401), the current Effective Interest Rate on Debt % is 11.40% as of Mar. 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 Patdiam Jewellery (BOM:539401) Overvalued in 2026?

Based on GuruFocus' analysis, Patdiam Jewellery stock appears to be undervalued. The current stock price of ₹325.00 is trading 20.9% below its estimated GF Value™ of ₹410.99. GuruFocus considers Patdiam Jewellery to be Modestly Undervalued.

Key valuation signals for BOM:539401:

  • Effective Interest Rate on Debt %: 11.40%
  • GF Value™: ₹410.99 vs. price of ₹325.00 (20.9% below fair value)
  • GF Score™: 83/100 with 7 warning signs

No single metric tells the full story. See the BOM:539401 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Patdiam Jewellery Business Description

Address Gala No 102, Building No. 1, SEEPZ SEZ, Andheri (East), Mumbai, MH, IND, 400096
Patdiam Jewellery Ltd is a diamond jewelry manufacturing company. The Company is engaged in designing, manufacturing, and marketing various jewelry made out of gold, platinum with studded diamonds, and precious and semi-precious stones. Its products include Rings, Bangles, Earrings, Pendants, and Necklaces. It operates and markets its products to countries like the United States, Dubai, Japan, and Asia.
83GF Score

Get the complete analysis for BOM:539401

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹325.00
Price
₹410.99
GF Value