Abans Financial Services (NSE:AFSL) Effective Interest Rate on Debt %: 6.18% (As of Mar. 2026)


NSE:AFSL Abans Financial Services Ltd NSE:AFSL
80 GF Score
Price ₹201.15
GF Value ₹5,050.34
Valuation Possible Value Trap
! 4 Warning Signs
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What is Abans Financial Services Effective Interest Rate on Debt %?

Abans Financial Services NSE:AFSL +0.04% 80 Effective Interest Rate on Debt % is 6.18% as of Mar. 2026. GuruFocus rates NSE:AFSL with a GF Score™ of 80/100 and a GF Value™ of ₹5,050.34 (Possible Value Trap). The stock has 4 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. Abans Financial Services's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹466 Mil. Abans Financial Services's average total debt for the quarter that ended in Mar. 2026 was ₹7,537 Mil. Therefore, Abans Financial Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 6.18%.


Abans Financial Services  (NSE:AFSL) Effective Interest Rate on Debt % Explanation

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


Abans Financial Services Effective Interest Rate on Debt % Related Terms


Abans Financial Services Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Abans Financial Services'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.

Abans Financial Services Effective Interest Rate on Debt % Chart

Abans Financial Services Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 3.09 1.09 5.42 6.62 5.21

Abans Financial Services Quarterly Data
Mar20 Mar21 Mar22 Aug22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 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 7.34 5.59 4.96 4.86 6.18

NSE:AFSL vs MS, GS, SCHW: Effective Interest Rate on Debt % Comparison

For the Capital Markets subindustry, Abans Financial Services'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.


Abans Financial Services Effective Interest Rate on Debt % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Abans Financial Services's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Abans Financial Services's Effective Interest Rate on Debt % falls into.


NSE:AFSL
80GF Score
Abans Financial Services Ltd NSE:AFSL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Abans Financial Services Effective Interest Rate on Debt % Calculation

Abans Financial Services'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  *  -413.609/( (8344.858+7537.319)/ 2 )
=-1  *  -413.609/7941.0885
=5.21 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=322.494 + 8022.364
=8344.858

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=458.391 + 7078.928
=7537.319

Abans Financial Services'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: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -465.964/( (0+7537.319)/ 1 )
=-1  *  -465.964/7537.319
=6.18 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=458.391 + 7078.928
=7537.319

* 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 (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 6.18% mean?
Abans Financial Services (NSE:AFSL) has a Effective Interest Rate on Debt % of 6.18% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Abans Financial Services and its competitors.
Is Abans Financial Services' Effective Interest Rate on Debt % too high?
Abans Financial Services' current Effective Interest Rate on Debt % is 6.18%. Overall, Abans Financial Services has a GF Score™ of 80/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Abans Financial Services' Effective Interest Rate on Debt % compare to MS and GS?
Abans Financial Services' Effective Interest Rate on Debt % of 6.18% can be compared against companies in the Capital Markets 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 Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets 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 Abans Financial Services and its competitors. Abans Financial Services's current Effective Interest Rate on Debt % is 6.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abans Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Abans Financial Services (NSE:AFSL) is currently considered Possible Value Trap. The stock's GF Value™ is ₹5,050.34, compared to a current price of ₹201.15 — trading 96% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.18%. Abans Financial Services' overall GF Score™ is 80/100 with 4 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 Abans Financial Services (NSE:AFSL), the current Effective Interest Rate on Debt % is 6.18% 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 Abans Financial Services (NSE:AFSL) Overvalued in 2026?

Based on GuruFocus' analysis, Abans Financial Services stock appears to be undervalued. The current stock price of ₹201.15 is trading 96% below its estimated GF Value™ of ₹5,050.34. GuruFocus considers Abans Financial Services to be Possible Value Trap.

Key valuation signals for NSE:AFSL:

  • Effective Interest Rate on Debt %: 6.18%
  • GF Value™: ₹5,050.34 vs. price of ₹201.15 (96% below fair value)
  • GF Score™: 80/100 with 4 warning signs

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


Abans Financial Services Business Description

Other Exchanges 543712:India
Address Backbay Reclamation, 36, 37, 38A, Floor 3, 227 Nariman Bhavan, Nariman Point, Mumbai, MH, IND, 400 021
Abans Financial Services Ltd is engaged in providing financial services. The principal activities of the Company include wealth and asset management services including financial asset distribution, broking, lending, credit, investment solutions, asset and portfolio management, treasury operations, and allied activities. The company is also engaged in advisory services like Corporate Finance, Project Finance, Trade Finance, and providing Business & Retail Loans, unsecured and secured against collateral security, investment in government security, and bonds. The operating segments of the company are Agency business, Internal treasury operations, Lending activities, and Others. The majority of its revenue is derived from the Internal treasury operations segment.
80GF 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.

₹201.15
Price
₹5,050.34
GF Value