Interiors & More (NSE:INM) Effective Interest Rate on Debt %: 4.79% (As of Sep. 2025)

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NSE:INM Interiors & More Ltd NSE:INM
18 GF Score
Price ₹166.00
! 4 Warning Signs
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What is Interiors & More Effective Interest Rate on Debt %?

Interiors & More NSE:INM 18 Effective Interest Rate on Debt % is 4.79% as of Sep. 2025. GuruFocus rates NSE:INM with a GF Score™ of 18/100. The stock has 4 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. Interiors & More's annualized positive value of Interest Expense for the quarter that ended in Sep. 2025 was ₹19.3 Mil. Interiors & More's average total debt for the quarter that ended in Sep. 2025 was ₹403.2 Mil. Therefore, Interiors & More's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 was 4.79%.


Interiors & More  (NSE:INM) Effective Interest Rate on Debt % Explanation

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


Interiors & More Effective Interest Rate on Debt % Related Terms


Interiors & More Effective Interest Rate on Debt % Historical Data

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The historical data trend for Interiors & More'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.

Interiors & More Effective Interest Rate on Debt % Chart

Interiors & More Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25
Effective Interest Rate on Debt %
3.38 7.74 10.09 17.30 4.66

Interiors & More Semi-Annual Data
Mar21 Mar22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 6.90 126.37 13.17 4.12 4.79

NSE:INM vs CASY, WSM, ULTA: Effective Interest Rate on Debt % Comparison

For the Specialty Retail subindustry, Interiors & More'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.


Interiors & More Effective Interest Rate on Debt % vs Retail - Cyclical Industry

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

* The bar in red indicates where Interiors & More's Effective Interest Rate on Debt % falls into.


NSE:INM
18GF Score
Interiors & More Ltd NSE:INM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Interiors & More Effective Interest Rate on Debt % Calculation

Interiors & More's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2024 )+Total Debt  (A: Mar. 2025 ))/ count )
=-1  *  -7.403/( (13.729+304.109)/ 2 )
=-1  *  -7.403/158.919
=4.66 %

where

Total Debt  (A: Mar. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=13.729 + 0
=13.729

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=187.533 + 116.576
=304.109

Interiors & More's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2025 )+Total Debt  (Q: Sep. 2025 ))/ count )
=-1  *  -19.326/( (304.109+502.326)/ 2 )
=-1  *  -19.326/403.2175
=4.79 %

where

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=187.533 + 116.576
=304.109

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=240.903 + 261.423
=502.326

* 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 two times the semi-annual (Sep. 2025) 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 4.79% mean?
Interiors & More (NSE:INM) has a Effective Interest Rate on Debt % of 4.79% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Interiors & More and its competitors.
Is Interiors & More's Effective Interest Rate on Debt % too high?
Interiors & More's current Effective Interest Rate on Debt % is 4.79%. Overall, Interiors & More has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Interiors & More's Effective Interest Rate on Debt % compare to CASY and WSM?
Interiors & More's Effective Interest Rate on Debt % of 4.79% 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 Interiors & More and its competitors. Interiors & More's current Effective Interest Rate on Debt % is 4.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Interiors & More stock overvalued right now?
Interiors & More (NSE:INM) has a current Effective Interest Rate on Debt % of 4.79%. The current Effective Interest Rate on Debt % is 4.79%. Interiors & More's overall GF Score™ is 18/100 with 4 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 Interiors & More (NSE:INM), the current Effective Interest Rate on Debt % is 4.79% as of Sep. 2025. 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.

Interiors & More Business Description

Address Kumtha Street, off Shahid Bhagat Singh Road, Office No.7, Ground Floor, Ballard Estate, Fort Mumbai G.P.O., Mumbai, MH, IND, 400001
Interiors & More Ltd is in the business of marketing, exporting, importing, processing, packing/repacking, arranging or otherwise dealing in any other manner in flowers, dried flowers, potpourri, handicrafts, dry arrangements, artificial flowers, all types of home & interior decorative items and related materials. The Company has only one reportable Business Segment which is engaged in business of manufacturing of artificial flower and interior decor items in India.
18GF Score

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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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