Billionbrains Garage Ventures (NSE:GROWW) Effective Interest Rate on Debt %: 10.01% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

NSE:GROWW Billionbrains Garage Ventures Ltd NSE:GROWW
21 GF Score
Price ₹200.24
! 1 Warning Sign
View Full Analysis

What is Billionbrains Garage Ventures Effective Interest Rate on Debt %?

Billionbrains Garage Ventures NSE:GROWW +2.25% 21 Effective Interest Rate on Debt % is 10.01% as of Jun. 2026. GuruFocus rates NSE:GROWW with a GF Score™ of 21/100. The stock has 1 warning sign 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. Billionbrains Garage Ventures's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was ₹292 Mil. Billionbrains Garage Ventures's average total debt for the quarter that ended in Jun. 2026 was ₹2,922 Mil. Therefore, Billionbrains Garage Ventures's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 10.01%.


Billionbrains Garage Ventures  (NSE:GROWW) Effective Interest Rate on Debt % Explanation

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


Billionbrains Garage Ventures Effective Interest Rate on Debt % Related Terms


Billionbrains Garage Ventures Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Billionbrains Garage Ventures'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.

Billionbrains Garage Ventures Effective Interest Rate on Debt % Chart

Billionbrains Garage Ventures Annual Data
Trend Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
6.46 9.46 13.20 10.14

Billionbrains Garage Ventures Quarterly Data
Mar23 Mar24 Jun24 Dec24 Mar25 Jun25 Dec25 Mar26 Jun26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only 11.26 12.12 8.11 10.95 10.01

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

For the Capital Markets subindustry, Billionbrains Garage Ventures'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.


Billionbrains Garage Ventures Effective Interest Rate on Debt % vs Capital Markets Industry

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

* The bar in red indicates where Billionbrains Garage Ventures's Effective Interest Rate on Debt % falls into.


NSE:GROWW
21GF Score
Billionbrains Garage Ventures Ltd NSE:GROWW
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Billionbrains Garage Ventures Effective Interest Rate on Debt % Calculation

Billionbrains Garage Ventures'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  *  -435.24/( (5661.4+2922.25)/ 2 )
=-1  *  -435.24/4291.825
=10.14 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2193.99 + 3467.41
=5661.4

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=557.83 + 2364.42
=2922.25

Billionbrains Garage Ventures's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -292.4/( (2922.25+0)/ 1 )
=-1  *  -292.4/2922.25
=10.01 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=557.83 + 2364.42
=2922.25

* 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 10.01% mean?
Billionbrains Garage Ventures (NSE:GROWW) has a Effective Interest Rate on Debt % of 10.01% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Billionbrains Garage Ventures and its competitors.
Is Billionbrains Garage Ventures' Effective Interest Rate on Debt % too high?
Billionbrains Garage Ventures' current Effective Interest Rate on Debt % is 10.01%. Overall, Billionbrains Garage Ventures has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Billionbrains Garage Ventures' Effective Interest Rate on Debt % compare to MS and GS?
Billionbrains Garage Ventures' Effective Interest Rate on Debt % of 10.01% 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 Billionbrains Garage Ventures and its competitors. Billionbrains Garage Ventures's current Effective Interest Rate on Debt % is 10.01%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Billionbrains Garage Ventures stock overvalued right now?
Billionbrains Garage Ventures (NSE:GROWW) has a current Effective Interest Rate on Debt % of 10.01%. The current Effective Interest Rate on Debt % is 10.01%. Billionbrains Garage Ventures' overall GF Score™ is 21/100 with 1 warning sign 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 Billionbrains Garage Ventures (NSE:GROWW), the current Effective Interest Rate on Debt % is 10.01% 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.

Billionbrains Garage Ventures Business Description

Other Exchanges 544603:India
Address Survey No. 16/1 and 17/2 Ambalipura Village, Vaishnavi Tech Park, South Tower 3rd Floor, Varthur Hobli, Bellandur, Bengaluru, KA, IND, 560 103
Billionbrains Garage Ventures Ltd is engaged in carrying out the business of software designing, maintenance, testing and benchmarking, designing, developing computer software and solutions, carry on the business of providing, building, organizing of software tools, marketing and innovatization of licensed software, and consultancy services. The company operates the web & app based technology platform, 'Groww'. The company operates in one reportable segment mainly through the sale of financial services through a web & app based technology platform. It derives a substantial portion of its revenue from the broking services.
21GF Score

Get the complete analysis for NSE:GROWW

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹200.24
Price