Reliable Data Services (NSE:RELIABLE) Effective Interest Rate on Debt %: 14.26% (As of Mar. 2026)

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NSE:RELIABLE Reliable Data Services Ltd NSE:RELIABLE
85 GF Score
Price ₹146.52
GF Value ₹149.10
Valuation Fairly Valued
! 6 Warning Signs
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What is Reliable Data Services Effective Interest Rate on Debt %?

Reliable Data Services NSE:RELIABLE +0.18% 85 Effective Interest Rate on Debt % is 14.26% as of Mar. 2026. GuruFocus rates NSE:RELIABLE with a GF Score™ of 85/100 and a GF Value™ of ₹149.10 (Fairly Valued). The stock has 6 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. Reliable Data Services's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹36 Mil. Reliable Data Services's average total debt for the quarter that ended in Mar. 2026 was ₹249 Mil. Therefore, Reliable Data Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 14.26%.


Reliable Data Services  (NSE:RELIABLE) Effective Interest Rate on Debt % Explanation

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


Reliable Data Services Effective Interest Rate on Debt % Related Terms


Reliable Data Services Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Reliable Data 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.

Reliable Data Services Effective Interest Rate on Debt % Chart

Reliable Data Services 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 13.85 10.53 8.39 9.54 10.52

Reliable Data Services 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 8.81 8.65 8.05 7.03 14.26

NSE:RELIABLE vs IBM, ACN, FISV: Effective Interest Rate on Debt % Comparison

For the Information Technology Services subindustry, Reliable Data 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.


Reliable Data Services Effective Interest Rate on Debt % vs Software Industry

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

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


NSE:RELIABLE
85GF Score
Reliable Data Services Ltd NSE:RELIABLE
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Reliable Data Services Effective Interest Rate on Debt % Calculation

Reliable Data 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  *  -37.588/( (465.26+249.479)/ 2 )
=-1  *  -37.588/357.3695
=10.52 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=155.162 + 310.098
=465.26

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=168.916 + 80.563
=249.479

Reliable Data 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: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -35.568/( (0+249.479)/ 1 )
=-1  *  -35.568/249.479
=14.26 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=168.916 + 80.563
=249.479

* 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 14.26% mean?
Reliable Data Services (NSE:RELIABLE) has a Effective Interest Rate on Debt % of 14.26% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Reliable Data Services and its competitors.
Is Reliable Data Services' Effective Interest Rate on Debt % too high?
Reliable Data Services' current Effective Interest Rate on Debt % is 14.26%. Overall, Reliable Data Services has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Reliable Data Services' Effective Interest Rate on Debt % compare to IBM and ACN?
Reliable Data Services' Effective Interest Rate on Debt % of 14.26% 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 Reliable Data Services and its competitors. Reliable Data Services's current Effective Interest Rate on Debt % is 14.26%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Reliable Data Services stock overvalued right now?
Based on GuruFocus' analysis, Reliable Data Services (NSE:RELIABLE) is currently considered Fairly Valued. The stock's GF Value™ is ₹149.10, compared to a current price of ₹146.52 — trading 1.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 14.26%. Reliable Data Services' overall GF Score™ is 85/100 with 6 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 Reliable Data Services (NSE:RELIABLE), the current Effective Interest Rate on Debt % is 14.26% 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 Reliable Data Services (NSE:RELIABLE) Overvalued in 2026?

Based on GuruFocus' analysis, Reliable Data Services stock appears to be undervalued. The current stock price of ₹146.52 is trading 1.7% below its estimated GF Value™ of ₹149.10. GuruFocus considers Reliable Data Services to be Fairly Valued.

Key valuation signals for NSE:RELIABLE:

  • Effective Interest Rate on Debt %: 14.26%
  • GF Value™: ₹149.10 vs. price of ₹146.52 (1.7% below fair value)
  • GF Score™: 85/100 with 6 warning signs

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


Reliable Data Services Business Description

Other Exchanges 544207:India
Address C-69, & 70, Sector-2, Near Metro Station Sector-15, Gautam Budh Nagar, Noida, UP, IND, 201301
Reliable Data Services Ltd is an India-based company that provides IT and IT-enabled services to various banking, financial services, and other manufacturing industries in the field of back-office processing, front office follow-ups, and management services. The business segments comprises of which are Banking, Financial Services and Insurance and Non-Banking, Financial Services and Insurance. The Banking, Financial Services and Insurance segment derives majority of its revenue for the company. The company provides transaction processing services and payroll services as well.
85GF 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.

₹146.52
Price
₹149.10
GF Value