Indian Terrain Fashions (NSE:INDTERRAIN) Effective Interest Rate on Debt %: 17.73% (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:INDTERRAIN Indian Terrain Fashions Ltd NSE:INDTERRAIN
68 GF Score
Price ₹28.85
GF Value ₹38.81
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Indian Terrain Fashions Effective Interest Rate on Debt %?

Indian Terrain Fashions NSE:INDTERRAIN +0.59% 68 Effective Interest Rate on Debt % is 17.73% as of Jun. 2026. GuruFocus rates NSE:INDTERRAIN with a GF Score™ of 68/100 and a GF Value™ of ₹38.81 (Modestly Undervalued). The stock has 3 warning signs 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. Indian Terrain Fashions's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was ₹180 Mil. Indian Terrain Fashions's average total debt for the quarter that ended in Jun. 2026 was ₹1,018 Mil. Therefore, Indian Terrain Fashions's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 17.73%.


Indian Terrain Fashions  (NSE:INDTERRAIN) Effective Interest Rate on Debt % Explanation

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


Indian Terrain Fashions Effective Interest Rate on Debt % Related Terms


Indian Terrain Fashions Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Indian Terrain Fashions'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.

Indian Terrain Fashions Effective Interest Rate on Debt % Chart

Indian Terrain Fashions Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.73 22.56 16.83 16.08 17.40

Indian Terrain Fashions Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.27 17.05 17.19 20.60 17.73

NSE:INDTERRAIN vs TJX, ROST, BURL: Effective Interest Rate on Debt % Comparison

For the Apparel Retail subindustry, Indian Terrain Fashions'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.


Indian Terrain Fashions Effective Interest Rate on Debt % vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Indian Terrain Fashions's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Indian Terrain Fashions's Effective Interest Rate on Debt % falls into.


NSE:INDTERRAIN
68GF Score
Indian Terrain Fashions Ltd NSE:INDTERRAIN
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Indian Terrain Fashions Effective Interest Rate on Debt % Calculation

Indian Terrain Fashions'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  *  -190.6/( (1173.7+1017.7)/ 2 )
=-1  *  -190.6/1095.7
=17.40 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=189.2 + 984.5
=1173.7

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=109.4 + 908.3
=1017.7

Indian Terrain Fashions'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  *  -180.4/( (1017.7+0)/ 1 )
=-1  *  -180.4/1017.7
=17.73 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=109.4 + 908.3
=1017.7

* 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 17.73% mean?
Indian Terrain Fashions (NSE:INDTERRAIN) has a Effective Interest Rate on Debt % of 17.73% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Indian Terrain Fashions and its competitors.
Is Indian Terrain Fashions' Effective Interest Rate on Debt % too high?
Indian Terrain Fashions' current Effective Interest Rate on Debt % is 17.73%. Overall, Indian Terrain Fashions has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Terrain Fashions' Effective Interest Rate on Debt % compare to TJX and ROST?
Indian Terrain Fashions' Effective Interest Rate on Debt % of 17.73% can be compared against companies in the Retail - Cyclical 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 Retail - Cyclical company?
A good Effective Interest Rate on Debt % depends on the Retail - Cyclical 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 Indian Terrain Fashions and its competitors. Indian Terrain Fashions's current Effective Interest Rate on Debt % is 17.73%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indian Terrain Fashions stock overvalued right now?
Based on GuruFocus' analysis, Indian Terrain Fashions (NSE:INDTERRAIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹38.81, compared to a current price of ₹28.85 — trading 25.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 17.73%. Indian Terrain Fashions' overall GF Score™ is 68/100 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 Indian Terrain Fashions (NSE:INDTERRAIN), the current Effective Interest Rate on Debt % is 17.73% 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 Indian Terrain Fashions (NSE:INDTERRAIN) Overvalued in 2026?

Based on GuruFocus' analysis, Indian Terrain Fashions stock appears to be undervalued. The current stock price of ₹28.85 is trading 25.7% below its estimated GF Value™ of ₹38.81. GuruFocus considers Indian Terrain Fashions to be Modestly Undervalued.

Key valuation signals for NSE:INDTERRAIN:

  • Effective Interest Rate on Debt %: 17.73%
  • GF Value™: ₹38.81 vs. price of ₹28.85 (25.7% below fair value)
  • GF Score™: 68/100 with 3 warning signs

No single metric tells the full story. See the NSE:INDTERRAIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Indian Terrain Fashions Business Description

Other Exchanges 533329:India
Address Thirukkachiyur and Sengundram Industrial Area, Survey No 549/2 and 232, Plot No.4, Singaperumal Koil Post, Chengalpattu, TN, IND, 603204
Indian Terrain Fashions Ltd is engaged in the business of retailing branded apparel in India. The company specializes in the men's smart casual category under the brand name Indian Terrain. Its product portfolio comprises shirts, T-shirts, jackets, sweaters, sweatshirts, coats and blazers, shorts, polo t-shirts, trousers, and denims, among others. These products are retailed across India through multi-brand outlets, large format stores, exclusive brand outlets, and e-commerce platforms.
68GF Score

Get the complete analysis for NSE:INDTERRAIN

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

₹28.85
Price
₹38.81
GF Value