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ESAF Small Finance Bank (BOM:544020) Effective Interest Rate on Debt % : 86.47% (As of Dec. 2024)


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What is ESAF Small Finance Bank 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. ESAF Small Finance Bank's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was ₹18,515 Mil. ESAF Small Finance Bank's average total debt for the quarter that ended in Dec. 2024 was ₹21,411 Mil. Therefore, ESAF Small Finance Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 86.47%.


ESAF Small Finance Bank Effective Interest Rate on Debt % Historical Data

The historical data trend for ESAF Small Finance Bank'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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ESAF Small Finance Bank Effective Interest Rate on Debt % Chart

ESAF Small Finance Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 45.29 55.60 41.67 41.21 55.16

ESAF Small Finance Bank Quarterly Data
Mar17 Mar18 Mar19 Sep19 Mar20 Sep20 Mar21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
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 - 63.95 67.50 85.20 86.47

Competitive Comparison of ESAF Small Finance Bank's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, ESAF Small Finance Bank'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.


ESAF Small Finance Bank's Effective Interest Rate on Debt % Distribution in the Banks Industry

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

* The bar in red indicates where ESAF Small Finance Bank's Effective Interest Rate on Debt % falls into.


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ESAF Small Finance Bank Effective Interest Rate on Debt % Calculation

ESAF Small Finance Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2023 )+Total Debt  (A: Mar. 2024 ))/ count )
=-1  *  -14487.344/( (26801.956+25725.3)/ 2 )
=-1  *  -14487.344/26263.628
=55.16 %

where

Total Debt  (A: Mar. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=26801.956 + 0
=26801.956

Total Debt  (A: Mar. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=25725.3 + 0
=25725.3

ESAF Small Finance Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2024 )+Total Debt  (Q: Dec. 2024 ))/ count )
=-1  *  -18514.8/( (21411.3+0)/ 1 )
=-1  *  -18514.8/21411.3
=86.47 %

where

Total Debt  (Q: Sep. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=21411.3 + 0
=21411.3

* 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 (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.


ESAF Small Finance Bank  (BOM:544020) Effective Interest Rate on Debt % Explanation

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


ESAF Small Finance Bank Effective Interest Rate on Debt % Related Terms

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ESAF Small Finance Bank Business Description

Traded in Other Exchanges
Address
Thrissur-Palakkad National Highway, Building No.VII/83/8, ESAF Bhavan, Mannuthy, Thrissur, KL, IND, 680681
ESAF Small Finance Bank Ltd is one of the dominant small finance banks in India in terms of client base size, the yield on advances, Net Interest Margin, assets under management CAGR, total deposit CAGR, loan portfolio concentration in rural and semi-urban areas, and the ratio of microloan advances to gross advances. It delivers its products and services through its business correspondents, customer service centers (which are operated by its business correspondents), Branches, banking agents, ATMs, ATM cum debit cards, mobile banking platforms, SMS alerts, internet banking portals and unified payment interface facilities. It has business segments segregating them into Treasury, Wholesale Banking, Retail Banking and Other Banking Operations. Majority of revenue comes from Retail Banking.

ESAF Small Finance Bank Headlines

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