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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. IBL Finance's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹0.0 Mil. IBL Finance's average total debt for the quarter that ended in Mar. 2026 was ₹510.1 Mil. Therefore, IBL Finance's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 0.00%.
IBL Finance (NSE:IBLFL) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
IBL Finance Effective Interest Rate on Debt % Related Terms
IBL Finance Effective Interest Rate on Debt % Historical Data
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The historical data trend for IBL 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.
IBL Finance Effective Interest Rate on Debt % Chart
NSE:IBLFL vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, IBL 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.
IBL Finance Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where IBL 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 one times the annual (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?
IBL Finance (NSE:IBLFL) 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 IBL Finance and its competitors.
Is IBL Finance's Effective Interest Rate on Debt % too high?
IBL Finance's current Effective Interest Rate on Debt % is 0.00%. Overall, IBL Finance has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does IBL Finance's Effective Interest Rate on Debt % compare to V and MA?
IBL 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 IBL Finance and its competitors. IBL 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 IBL Finance stock overvalued right now?
IBL Finance (NSE:IBLFL) has a current Effective Interest Rate on Debt % of 0.00%. The current Effective Interest Rate on Debt % is 0.00%. IBL Finance's overall GF Score™ is 40/100 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 IBL Finance (NSE:IBLFL), 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.
IBL Finance Ltd is a fintech-based financial services platform that leverages technology and data science to make lending quick and easy. It has a mobile application that provides instant personal loans which loan up to Rupees 50,000 with tenors of up to 12 months through an entirely digital mobile App-only process. The Company is engaged in one segment only i.e. Loan Segment. The company generates revenue from Interest Income on Loan Portfolio and Loan Processing Fees & Charges.
40GF Score
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