KFin Technologies (NSE:KFINTECH) Effective Interest Rate on Debt %: 9.62% (As of Mar. 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:KFINTECH KFin Technologies Ltd NSE:KFINTECH
89 GF Score
Price ₹888.85
GF Value ₹1,250.21
Valuation Modestly Undervalued
View Full Analysis

What is KFin Technologies Effective Interest Rate on Debt %?

KFin Technologies NSE:KFINTECH +0.80% 89 Effective Interest Rate on Debt % is 9.62% as of Mar. 2026. GuruFocus rates NSE:KFINTECH with a GF Score™ of 89/100 and a GF Value™ of ₹1,250.21 (Modestly Undervalued).

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. KFin Technologies's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹53 Mil. KFin Technologies's average total debt for the quarter that ended in Mar. 2026 was ₹554 Mil. Therefore, KFin Technologies's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 9.62%.


KFin Technologies  (NSE:KFINTECH) Effective Interest Rate on Debt % Explanation

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


KFin Technologies Effective Interest Rate on Debt % Related Terms


KFin Technologies Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for KFin Technologies'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.

KFin Technologies Effective Interest Rate on Debt % Chart

KFin Technologies Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 19.51 6.66 8.09 9.84 9.20

KFin Technologies Quarterly Data
Mar20 Mar21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 11.10 9.38 9.18 9.95 9.62

NSE:KFINTECH vs UBER, SHOP, CRM: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, KFin Technologies'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.


KFin Technologies Effective Interest Rate on Debt % vs Software Industry

For the Software industry and Technology sector, KFin Technologies's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where KFin Technologies's Effective Interest Rate on Debt % falls into.


NSE:KFINTECH
89GF Score
KFin Technologies Ltd NSE:KFINTECH
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

KFin Technologies Effective Interest Rate on Debt % Calculation

KFin Technologies'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  *  -46.91/( (465.23+554.43)/ 2 )
=-1  *  -46.91/509.83
=9.20 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=343.96 + 121.27
=465.23

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=364.52 + 189.91
=554.43

KFin Technologies'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: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -53.32/( (0+554.43)/ 1 )
=-1  *  -53.32/554.43
=9.62 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=364.52 + 189.91
=554.43

* 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 (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 9.62% mean?
KFin Technologies (NSE:KFINTECH) has a Effective Interest Rate on Debt % of 9.62% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on KFin Technologies and its competitors.
Is KFin Technologies' Effective Interest Rate on Debt % too high?
KFin Technologies' current Effective Interest Rate on Debt % is 9.62%. Overall, KFin Technologies has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does KFin Technologies' Effective Interest Rate on Debt % compare to UBER and SHOP?
KFin Technologies' Effective Interest Rate on Debt % of 9.62% can be compared against companies in the Software 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 Software company?
A good Effective Interest Rate on Debt % depends on the Software 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 KFin Technologies and its competitors. KFin Technologies's current Effective Interest Rate on Debt % is 9.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is KFin Technologies stock overvalued right now?
Based on GuruFocus' analysis, KFin Technologies (NSE:KFINTECH) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹1,250.21, compared to a current price of ₹888.85 — trading 28.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 9.62%. KFin Technologies' overall GF Score™ is 89/100. 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 KFin Technologies (NSE:KFINTECH), the current Effective Interest Rate on Debt % is 9.62% 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 KFin Technologies (NSE:KFINTECH) Overvalued in 2026?

Based on GuruFocus' analysis, KFin Technologies stock appears to be undervalued. The current stock price of ₹888.85 is trading 28.9% below its estimated GF Value™ of ₹1,250.21. GuruFocus considers KFin Technologies to be Modestly Undervalued.

Key valuation signals for NSE:KFINTECH:

  • Effective Interest Rate on Debt %: 9.62%
  • GF Value™: ₹1,250.21 vs. price of ₹888.85 (28.9% below fair value)
  • GF Score™: 89/100

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


KFin Technologies Business Description

Other Exchanges 543720:India
Address Selenium, Tower B, Plot No- 31 and 32, Financial District, Nanakramguda, Serilingampally, Rangareddi, Hyderabad, TG, IND, 500032
KFin Technologies Ltd is a technology-driven financial services platform. The company provides services and solutions to asset managers and corporate issuers across asset classes in India and provides several investor solutions including transaction origination and processing for mutual funds and private retirement schemes in Malaysia, the Philippines and Hong Kong.
89GF Score

Get the complete analysis for NSE:KFINTECH

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

₹888.85
Price
₹1,250.21
GF Value