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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. CSB Bank's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was ₹32,346 Mil. CSB Bank's average total debt for the quarter that ended in Jun. 2026 was ₹71,544 Mil. Therefore, CSB Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 45.21%.
CSB Bank (NSE:CSBBANK) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
CSB Bank Effective Interest Rate on Debt % Related Terms
CSB Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for CSB 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.
CSB Bank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, CSB 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.
CSB Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, CSB Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where CSB Bank'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 45.21% mean?
CSB Bank (NSE:CSBBANK) has a Effective Interest Rate on Debt % of 45.21% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CSB Bank and its competitors.
Is CSB Bank's Effective Interest Rate on Debt % too high?
CSB Bank's current Effective Interest Rate on Debt % is 45.21%. Overall, CSB Bank has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSB Bank's Effective Interest Rate on Debt % compare to competitors?
CSB Bank's Effective Interest Rate on Debt % of 45.21% 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 CSB Bank and its competitors. CSB Bank's current Effective Interest Rate on Debt % is 45.21%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CSB Bank stock overvalued right now?
Based on GuruFocus' analysis, CSB Bank (NSE:CSBBANK) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹467.69, compared to a current price of ₹329.90 — trading 29.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 45.21%. CSB Bank's overall GF Score™ is 66/100 with 2 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 CSB Bank (NSE:CSBBANK), the current Effective Interest Rate on Debt % is 45.21% 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 CSB Bank (NSE:CSBBANK) Overvalued in 2026?
Based on GuruFocus' analysis, CSB Bank stock appears to be undervalued.
The current stock price of ₹329.90 is trading 29.5% below its estimated GF Value™ of ₹467.69.
GuruFocus considers CSB Bank to be Modestly Undervalued.
Key valuation signals for NSE:CSBBANK:
Effective Interest Rate on Debt %: 45.21%
GF Value™: ₹467.69 vs. price of ₹329.90 (29.5% below fair value)
No single metric tells the full story. See the NSE:CSBBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CSB Bank Ltd is a private sector bank in India. The bank offers various banking services in four segments such as Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business. Retail banking providing gold loans, loans against properties, personal loans, housing loans, and agricultural loans, and deposit products such as current accounts, savings accounts, term deposits, and cumulative deposit accounts and generates the majority of revenue from the same.
66GF Score
Get the complete analysis for NSE:CSBBANK
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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