Integrated Personnel Services (NSE:IPSL) Effective Interest Rate on Debt %: 11.69% (As of Mar. 2026)

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NSE:IPSL Integrated Personnel Services Ltd NSE:IPSL
78 GF Score
Price ₹235.00
GF Value ₹312.94
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Integrated Personnel Services Effective Interest Rate on Debt %?

Integrated Personnel Services NSE:IPSL 78 Effective Interest Rate on Debt % is 11.69% as of Mar. 2026. GuruFocus rates NSE:IPSL with a GF Score™ of 78/100 and a GF Value™ of ₹312.94 (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. Integrated Personnel Services's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹57 Mil. Integrated Personnel Services's average total debt for the quarter that ended in Mar. 2026 was ₹491 Mil. Therefore, Integrated Personnel Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 11.69%.


Integrated Personnel Services  (NSE:IPSL) Effective Interest Rate on Debt % Explanation

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


Integrated Personnel Services Effective Interest Rate on Debt % Related Terms


Integrated Personnel Services Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Integrated Personnel Services'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.

Integrated Personnel Services Effective Interest Rate on Debt % Chart

Integrated Personnel Services Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 11.20 16.79 16.87 13.21 11.99

Integrated Personnel Services Semi-Annual Data
Mar20 Mar21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 20.09 12.69 11.99 11.37 11.69

NSE:IPSL vs KFY, RHI, TNET: Effective Interest Rate on Debt % Comparison

For the Staffing & Employment Services subindustry, Integrated Personnel Services'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.


Integrated Personnel Services Effective Interest Rate on Debt % vs Business Services Industry

For the Business Services industry and Industrials sector, Integrated Personnel Services's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Integrated Personnel Services's Effective Interest Rate on Debt % falls into.


NSE:IPSL
78GF Score
Integrated Personnel Services Ltd NSE:IPSL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Integrated Personnel Services Effective Interest Rate on Debt % Calculation

Integrated Personnel Services'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  *  -51.746/( (345.906+517.582)/ 2 )
=-1  *  -51.746/431.744
=11.99 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=51.505 + 294.401
=345.906

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=42.871 + 474.711
=517.582

Integrated Personnel Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -57.428/( (464.828+517.582)/ 2 )
=-1  *  -57.428/491.205
=11.69 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=35.075 + 429.753
=464.828

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=42.871 + 474.711
=517.582

* 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 (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 11.69% mean?
Integrated Personnel Services (NSE:IPSL) has a Effective Interest Rate on Debt % of 11.69% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Integrated Personnel Services and its competitors.
Is Integrated Personnel Services' Effective Interest Rate on Debt % too high?
Integrated Personnel Services' current Effective Interest Rate on Debt % is 11.69%. Overall, Integrated Personnel Services has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Integrated Personnel Services' Effective Interest Rate on Debt % compare to KFY and RHI?
Integrated Personnel Services' Effective Interest Rate on Debt % of 11.69% can be compared against companies in the Business 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 Business Services company?
A good Effective Interest Rate on Debt % depends on the Business 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 Integrated Personnel Services and its competitors. Integrated Personnel Services's current Effective Interest Rate on Debt % is 11.69%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Integrated Personnel Services stock overvalued right now?
Based on GuruFocus' analysis, Integrated Personnel Services (NSE:IPSL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹312.94, compared to a current price of ₹235.00 — trading 24.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 11.69%. Integrated Personnel Services' overall GF Score™ is 78/100 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 Integrated Personnel Services (NSE:IPSL), the current Effective Interest Rate on Debt % is 11.69% 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.

Is Integrated Personnel Services (NSE:IPSL) Overvalued in 2026?

Based on GuruFocus' analysis, Integrated Personnel Services stock appears to be undervalued. The current stock price of ₹235.00 is trading 24.9% below its estimated GF Value™ of ₹312.94. GuruFocus considers Integrated Personnel Services to be Modestly Undervalued.

Key valuation signals for NSE:IPSL:

  • Effective Interest Rate on Debt %: 11.69%
  • GF Value™: ₹312.94 vs. price of ₹235.00 (24.9% below fair value)
  • GF Score™: 78/100 with 3 warning signs

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


Integrated Personnel Services Business Description

Address 14, Whispering Palm, Shopping Center, Lokhandwala Complex, Kandivali (East), Mumbai, MH, IND, 400101
Integrated Personnel Services Ltd is an end to end human resource management company providing customized solutions to various corporates in India. The companies services includes temporary staffing solutions (flexi-staffing), permanent recruitment (executive search) services, specialized staff recruitment, outsourced recruitment processes and payroll management.
78GF 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.

₹235.00
Price
₹312.94
GF Value