National Fertilizers (NSE:NFL) Effective Interest Rate on Debt %: 7.74% (As of Mar. 2026)

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NSE:NFL National Fertilizers Ltd NSE:NFL
72 GF Score
Price ₹71.87
GF Value ₹305.14
Valuation Possible Value Trap
! 5 Warning Signs
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What is National Fertilizers Effective Interest Rate on Debt %?

National Fertilizers NSE:NFL -0.44% 72 Effective Interest Rate on Debt % is 7.74% as of Mar. 2026. GuruFocus rates NSE:NFL with a GF Score™ of 72/100 and a GF Value™ of ₹305.14 (Possible Value Trap). The stock has 5 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. National Fertilizers's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹3,067 Mil. National Fertilizers's average total debt for the quarter that ended in Mar. 2026 was ₹39,637 Mil. Therefore, National Fertilizers's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 7.74%.


National Fertilizers  (NSE:NFL) Effective Interest Rate on Debt % Explanation

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


National Fertilizers Effective Interest Rate on Debt % Related Terms


National Fertilizers Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for National Fertilizers'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.

National Fertilizers Effective Interest Rate on Debt % Chart

National Fertilizers 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 5.21 8.40 6.59 7.41 8.36

National Fertilizers Quarterly Data
Jun21 Sep21 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 6.95 9.23 4.83 6.32 7.74

NSE:NFL vs CTVA, CF, MOS: Effective Interest Rate on Debt % Comparison

For the Agricultural Inputs subindustry, National Fertilizers'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.


National Fertilizers Effective Interest Rate on Debt % vs Agriculture Industry

For the Agriculture industry and Basic Materials sector, National Fertilizers's Effective Interest Rate on Debt % distribution charts can be found below:

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


NSE:NFL
72GF Score
National Fertilizers Ltd NSE:NFL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Fertilizers Effective Interest Rate on Debt % Calculation

National Fertilizers'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  *  -2493.3/( (20010.5+39637)/ 2 )
=-1  *  -2493.3/29823.75
=8.36 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=34.3 + 19976.2
=20010.5

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=22.1 + 39614.9
=39637

National Fertilizers'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  *  -3067.2/( (0+39637)/ 1 )
=-1  *  -3067.2/39637
=7.74 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=22.1 + 39614.9
=39637

* 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 7.74% mean?
National Fertilizers (NSE:NFL) has a Effective Interest Rate on Debt % of 7.74% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on National Fertilizers and its competitors.
Is National Fertilizers' Effective Interest Rate on Debt % too high?
National Fertilizers' current Effective Interest Rate on Debt % is 7.74%. Overall, National Fertilizers has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does National Fertilizers' Effective Interest Rate on Debt % compare to CTVA and CF?
National Fertilizers' Effective Interest Rate on Debt % of 7.74% can be compared against companies in the Agriculture 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 an Agriculture company?
A good Effective Interest Rate on Debt % depends on the Agriculture 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 National Fertilizers and its competitors. National Fertilizers's current Effective Interest Rate on Debt % is 7.74%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Fertilizers stock overvalued right now?
Based on GuruFocus' analysis, National Fertilizers (NSE:NFL) is currently considered Possible Value Trap. The stock's GF Value™ is ₹305.14, compared to a current price of ₹71.87 — trading 76.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 7.74%. National Fertilizers' overall GF Score™ is 72/100 with 5 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 National Fertilizers (NSE:NFL), the current Effective Interest Rate on Debt % is 7.74% 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 National Fertilizers (NSE:NFL) Overvalued in 2026?

Based on GuruFocus' analysis, National Fertilizers stock appears to be undervalued. The current stock price of ₹71.87 is trading 76.4% below its estimated GF Value™ of ₹305.14. GuruFocus considers National Fertilizers to be Possible Value Trap.

Key valuation signals for NSE:NFL:

  • Effective Interest Rate on Debt %: 7.74%
  • GF Value™: ₹305.14 vs. price of ₹71.87 (76.4% below fair value)
  • GF Score™: 72/100 with 5 warning signs

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


National Fertilizers Business Description

Other Exchanges 523630:India
Address A-11, Sector-24, Gautam Budh Nagar, Noida, UP, IND, 201301
National Fertilizers Ltd is engaged in the business of manufacturing agro chemicals. Its product portfolio includes Neem Coated Urea, four strains of Bio-Fertilizers (solid & liquid), Bentonite Sulphur, and other allied Industrial products like Ammonia, Nitric Acid, Ammonium Nitrate, Sodium Nitrite and Sodium Nitrate. The brand name of the company is known in the market as KISAN. The company also provides agriculture extension services to educate farmers on fertilizers and the know-how on scientific methods of cultivation. Its operating segments include Manufactured Fertilizers which derive key revenue, Manufactured Chemicals, Traded Imported Fertilizers, and Others. Geographically, the company caters only to the Indian market.
72GF Score

Get the complete analysis for NSE:NFL

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

₹71.87
Price
₹305.14
GF Value