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India Shelter Finance (BOM:544044) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
India Shelter Finance Effective Interest Rate on Debt % Related Terms
India Shelter Finance Effective Interest Rate on Debt % Historical Data
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The historical data trend for India Shelter 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.
India Shelter Finance Effective Interest Rate on Debt % Chart
BOM:544044 vs RKT, FNMA, PFSI: Effective Interest Rate on Debt % Comparison
For the Mortgage Finance subindustry, India Shelter 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.
India Shelter Finance Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where India Shelter Finance'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 0.00% mean?
India Shelter Finance (BOM:544044) has a Effective Interest Rate on Debt % of 0.00% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on India Shelter Finance and its competitors.
Is India Shelter Finance's Effective Interest Rate on Debt % too high?
India Shelter Finance's current Effective Interest Rate on Debt % is 0.00%. Overall, India Shelter Finance has a GF Score™ of 60/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Effective Interest Rate on Debt % compare to RKT and FNMA?
India Shelter Finance's Effective Interest Rate on Debt % of 0.00% 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 Shelter Finance and its competitors. India Shelter Finance's current Effective Interest Rate on Debt % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
Based on GuruFocus' analysis, India Shelter Finance (BOM:544044) is currently considered Possible Value Trap. The stock's GF Value™ is ₹1,166.66, compared to a current price of ₹652.05 — trading 44.1% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. India Shelter Finance's overall GF Score™ is 60/100 with 5 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 Shelter Finance (BOM:544044), the current Effective Interest Rate on Debt % is 0.00% 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 Shelter Finance (BOM:544044) Overvalued in 2026?
Based on GuruFocus' analysis, India Shelter Finance stock appears to be undervalued.
The current stock price of ₹652.05 is trading 44.1% below its estimated GF Value™ of ₹1,166.66.
GuruFocus considers India Shelter Finance to be Possible Value Trap.
Key valuation signals for BOM:544044:
Effective Interest Rate on Debt %: 0.00%
GF Value™: ₹1,166.66 vs. price of ₹652.05 (44.1% below fair value)
No single metric tells the full story. See the BOM:544044 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
60GF Score
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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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