Reliance Home Finance (NSE:RHFL) Effective Interest Rate on Debt %: 0.00% (As of Mar. 2025)

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NSE:RHFL Reliance Home Finance Ltd NSE:RHFL
18 GF Score
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What is Reliance Home Finance Effective Interest Rate on Debt %?

Reliance Home Finance NSE:RHFL -1.06% 18 Effective Interest Rate on Debt % is 0.00% as of Mar. 2025. GuruFocus rates NSE:RHFL with a GF Score™ of 18/100.

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. Reliance Home Finance's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was ₹0.00 Mil. Reliance Home Finance's average total debt for the quarter that ended in Mar. 2025 was ₹402.75 Mil. Therefore, Reliance Home Finance's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 0.00%.


Reliance Home Finance  (NSE:RHFL) Effective Interest Rate on Debt % Explanation

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


Reliance Home Finance Effective Interest Rate on Debt % Related Terms


Reliance Home Finance Effective Interest Rate on Debt % Historical Data

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The historical data trend for Reliance Home Finance'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.

Reliance Home Finance Effective Interest Rate on Debt % Chart

Reliance Home Finance Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.16 0.02 0.04 0.00 0.00

Reliance Home Finance Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 0.00 0.00 0.00 0.00 0.00

NSE:RHFL vs RKT, FNMA, PFSI: Effective Interest Rate on Debt % Comparison

For the Mortgage Finance subindustry, Reliance Home Finance'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.


Reliance Home Finance Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Reliance Home Finance's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Reliance Home Finance's Effective Interest Rate on Debt % falls into.


NSE:RHFL
18GF Score
Reliance Home Finance Ltd NSE:RHFL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Reliance Home Finance Effective Interest Rate on Debt % Calculation

Reliance Home Finance'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  *  0/( (914.133+402.748)/ 2 )
=-1  *  0/658.4405
=0.00 %

where

Total Debt  (A: Mar. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=914.133 + 0
=914.133

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=402.748 + 0
=402.748

Reliance Home Finance's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Mar. 2025 ))/ count )
=-1  *  0/( (0+402.748)/ 1 )
=-1  *  0/402.748
=0.00 %

where

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=402.748 + 0
=402.748

* 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. 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 0.00% mean?
Reliance Home Finance (NSE:RHFL) has a Effective Interest Rate on Debt % of 0.00% as of Mar. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Reliance Home Finance and its competitors.
Is Reliance Home Finance's Effective Interest Rate on Debt % too high?
Reliance Home Finance's current Effective Interest Rate on Debt % is 0.00%. Overall, Reliance Home Finance has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Reliance Home Finance's Effective Interest Rate on Debt % compare to RKT and FNMA?
Reliance Home Finance's Effective Interest Rate on Debt % of 0.00% can be compared against companies in the Banks 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 Banks company?
A good Effective Interest Rate on Debt % depends on the Banks 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 Reliance Home Finance and its competitors. Reliance Home Finance's current Effective Interest Rate on Debt % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Reliance Home Finance stock overvalued right now?
Reliance Home Finance (NSE:RHFL) has a current Effective Interest Rate on Debt % of 0.00%. The current Effective Interest Rate on Debt % is 0.00%. Reliance Home Finance's overall GF Score™ is 18/100. 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 Reliance Home Finance (NSE:RHFL), the current Effective Interest Rate on Debt % is 0.00% as of Mar. 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.

Reliance Home Finance Business Description

Address 7th Floor, B Wing, Senapati Bapat Marg, Trade World, Kamala Mills Compound, Lower Parel (West, Mumbai, MH, IND, 400 013
Reliance Home Finance Ltd is an India-based company engaged in the housing finance business. It provides a range of housing finance solutions such as home loans, affordable housing loans, loan against property, and construction finance. It also provides property solutions services. The company derives key revenue from the interest received from housing and other loans. The business operations of the company are carried out in India.
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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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