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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. IDBI Bank's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was ₹162,108 Mil. IDBI Bank's average total debt for the quarter that ended in Jun. 2026 was ₹246,424 Mil. Therefore, IDBI Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 65.78%.
IDBI Bank (NSE:IDBI) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
IDBI Bank Effective Interest Rate on Debt % Related Terms
IDBI Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for IDBI 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.
IDBI Bank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, IDBI 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.
IDBI Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, IDBI Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where IDBI 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 65.78% mean?
IDBI Bank (NSE:IDBI) has a Effective Interest Rate on Debt % of 65.78% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on IDBI Bank and its competitors.
Is IDBI Bank's Effective Interest Rate on Debt % too high?
IDBI Bank's current Effective Interest Rate on Debt % is 65.78%. Overall, IDBI Bank has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does IDBI Bank's Effective Interest Rate on Debt % compare to competitors?
IDBI Bank's Effective Interest Rate on Debt % of 65.78% 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 IDBI Bank and its competitors. IDBI Bank's current Effective Interest Rate on Debt % is 65.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDBI Bank stock overvalued right now?
Based on GuruFocus' analysis, IDBI Bank (NSE:IDBI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹92.07, compared to a current price of ₹81.11 — trading 11.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 65.78%. IDBI Bank's overall GF Score™ is 64/100 with 3 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 IDBI Bank (NSE:IDBI), the current Effective Interest Rate on Debt % is 65.78% 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 IDBI Bank (NSE:IDBI) Overvalued in 2026?
Based on GuruFocus' analysis, IDBI Bank stock appears to be undervalued.
The current stock price of ₹81.11 is trading 11.9% below its estimated GF Value™ of ₹92.07.
GuruFocus considers IDBI Bank to be Modestly Undervalued.
Key valuation signals for NSE:IDBI:
Effective Interest Rate on Debt %: 65.78%
GF Value™: ₹92.07 vs. price of ₹81.11 (11.9% below fair value)
No single metric tells the full story. See the NSE:IDBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDBI Bank Ltd is an India-based company that is principally engaged in providing banking services. The company's business segments include wholesale banking, retail banking, and treasury services, with wholesale banking and retail banking jointly contributing the majority of total revenue. In addition to its banking business, the company is also involved in capital markets, investment banking, and mutual fund businesses. The company operates through a branch network across India. Its operations are concentrated in India, with a presence in overseas markets as well.
64GF Score
Get the complete analysis for NSE:IDBI
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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