Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Capital India Finance (NSE:CIFL) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Capital India Finance Effective Interest Rate on Debt % Related Terms
Capital India Finance Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for Capital India 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.
Capital India Finance Effective Interest Rate on Debt % Chart
NSE:CIFL vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, Capital India 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.
Capital India Finance Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital India Finance's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Capital India 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 (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 0.00% mean?
Capital India Finance (NSE:CIFL) has a Effective Interest Rate on Debt % of 0.00% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Capital India Finance and its competitors.
Is Capital India Finance's Effective Interest Rate on Debt % too high?
Capital India Finance's current Effective Interest Rate on Debt % is 0.00%. Overall, Capital India Finance has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Capital India Finance's Effective Interest Rate on Debt % compare to V and MA?
Capital India Finance's Effective Interest Rate on Debt % of 0.00% can be compared against companies in the Credit Services 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 Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services 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 Capital India Finance and its competitors. Capital India 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 Capital India Finance stock overvalued right now?
Based on GuruFocus' analysis, Capital India Finance (NSE:CIFL) is currently considered Fairly Valued. The stock's GF Value™ is ₹23.53, compared to a current price of ₹21.88 — trading 7% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Capital India Finance's overall GF Score™ is 53/100 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 Capital India Finance (NSE:CIFL), the current Effective Interest Rate on Debt % is 0.00% 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 Capital India Finance (NSE:CIFL) Overvalued in 2026?
Based on GuruFocus' analysis, Capital India Finance stock appears to be undervalued.
The current stock price of ₹21.88 is trading 7% below its estimated GF Value™ of ₹23.53.
GuruFocus considers Capital India Finance to be Fairly Valued.
Key valuation signals for NSE:CIFL:
Effective Interest Rate on Debt %: 0.00%
GF Value™: ₹23.53 vs. price of ₹21.88 (7% below fair value)
No single metric tells the full story. See the NSE:CIFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital India Finance Ltd is a non-banking financial company. It operates through two segments: lending business and Forex services, including MTSS business. The lending services include providing loans to Micro, Small, and Medium enterprises and other customers across various industries. Revenue from the lending business includes interest income and fee income. Forex services comprise overseas remittances, foreign currency prepaid travel cards, Money Transfer Service Scheme (MTSS), and import and export foreign currency notes.
53GF Score
Get the complete analysis for NSE:CIFL
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:CIFL has been successfully added to your 
