PNB Housing Finance (BOM:540173) Effective Interest Rate on Debt % : 10.55% (As of Mar. 2025)

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What is PNB Housing Finance Effective Interest Rate on Debt %?

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. PNB Housing Finance's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was ₹47,122 Mil. PNB Housing Finance's average total debt for the quarter that ended in Mar. 2025 was ₹446,681 Mil. Therefore, PNB Housing Finance's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 10.55%.

PNB Housing Finance Effective Interest Rate on Debt % Historical Data

The historical data trend for PNB Housing Finance'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.

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PNB Housing Finance Effective Interest Rate on Debt % Chart

PNB Housing Finance Annual Data

Trend

Mar16

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Effective Interest Rate on Debt %

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10.76

10.38

10.81

11.54

11.09

PNB Housing Finance Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															11.44	11.73	11.36	11.76	10.55

Competitive Comparison of PNB Housing Finance's Effective Interest Rate on Debt %

For the Mortgage Finance subindustry, PNB Housing Finance'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.

PNB Housing Finance's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, PNB Housing Finance's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PNB Housing Finance's Effective Interest Rate on Debt % falls into.

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PNB Housing Finance Effective Interest Rate on Debt % Calculation

PNB Housing Finance's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Mar. 2024 )	+	Total Debt (A: Mar. 2025 ))	/ count )
=	-1 * -45514	/	( (373913.4	+	446680.6)	/ 2 )
=	-1 * -45514	/	410297
=	11.09 %

where

	Total Debt (A: Mar. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	373913.4	+	0
=	373913.4

	Total Debt (A: Mar. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	446680.6	+	0
=	446680.6

PNB Housing Finance's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Dec. 2024 )	+	Total Debt (Q: Mar. 2025 ))	/ count )
=	-1 * -47122	/	( (0	+	446680.6)	/ 1 )
=	-1 * -47122	/	446680.6
=	10.55 %

where

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (Q: Mar. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	446680.6	+	0
=	446680.6

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 (Mar. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

PNB Housing Finance (BOM:540173) Effective Interest Rate on Debt % Explanation

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

PNB Housing Finance Effective Interest Rate on Debt % Related Terms

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PNB Housing Finance Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » PNB Housing Finance Ltd (BOM:540173) » Definitions » Effective Interest Rate on Debt %

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PNBHOUSING:India

Address

22 Kasturba Gandhi Marg, 9th Floor, Antriksh Bhavan, New Delhi, IND, 110 001

Website

https://www.pnbhousing.com

PNB Housing Finance Ltd is an India-based housing finance company. It is engaged in the business of providing loans for the purchase, construction, repairs, and renovations of houses, flats, and commercial properties. The company also provides loans for commercial space, loans against property, and loans for the purchase of residential plots. Geographically, it operates only in India. It generates revenue in the form of Interest income, and Fees and commission income.

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