Sagar Cements (NSE:SAGCEM) Effective Interest Rate on Debt %: 12.23% (As of Jun. 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:SAGCEM Sagar Cements Ltd NSE:SAGCEM
72 GF Score
Price ₹175.39
GF Value ₹272.41
Valuation Possible Value Trap
! 2 Warning Signs
View Full Analysis

What is Sagar Cements Effective Interest Rate on Debt %?

Sagar Cements NSE:SAGCEM -1.62% 72 Effective Interest Rate on Debt % is 12.23% as of Jun. 2026. GuruFocus rates NSE:SAGCEM with a GF Score™ of 72/100 and a GF Value™ of ₹272.41 (Possible Value Trap). The stock has 2 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. Sagar Cements's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was ₹2,089 Mil. Sagar Cements's average total debt for the quarter that ended in Jun. 2026 was ₹17,084 Mil. Therefore, Sagar Cements's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 12.23%.


Sagar Cements  (NSE:SAGCEM) Effective Interest Rate on Debt % Explanation

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


Sagar Cements Effective Interest Rate on Debt % Related Terms


Sagar Cements Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Sagar Cements'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.

Sagar Cements Effective Interest Rate on Debt % Chart

Sagar Cements 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 6.00 9.89 10.84 10.94 10.55

Sagar Cements Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 13.03 11.34 12.27 12.43 12.23

NSE:SAGCEM vs CRH, VMC, MLM: Effective Interest Rate on Debt % Comparison

For the Building Materials subindustry, Sagar Cements'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.


Sagar Cements Effective Interest Rate on Debt % vs Building Materials Industry

For the Building Materials industry and Basic Materials sector, Sagar Cements's Effective Interest Rate on Debt % distribution charts can be found below:

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


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

Sagar Cements Effective Interest Rate on Debt % Calculation

Sagar Cements'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  *  -1663.1/( (14458+17083.5)/ 2 )
=-1  *  -1663.1/15770.75
=10.55 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=10046.9 + 4411.1
=14458

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=12572.2 + 4511.3
=17083.5

Sagar Cements's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -2089.2/( (17083.5+0)/ 1 )
=-1  *  -2089.2/17083.5
=12.23 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=12572.2 + 4511.3
=17083.5

* 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 (Jun. 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 12.23% mean?
Sagar Cements (NSE:SAGCEM) has a Effective Interest Rate on Debt % of 12.23% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sagar Cements and its competitors.
Is Sagar Cements' Effective Interest Rate on Debt % too high?
Sagar Cements' current Effective Interest Rate on Debt % is 12.23%. Overall, Sagar Cements 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 Sagar Cements' Effective Interest Rate on Debt % compare to CRH and VMC?
Sagar Cements' Effective Interest Rate on Debt % of 12.23% can be compared against companies in the Building Materials 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 Building Materials company?
A good Effective Interest Rate on Debt % depends on the Building Materials 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 Sagar Cements and its competitors. Sagar Cements's current Effective Interest Rate on Debt % is 12.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sagar Cements stock overvalued right now?
Based on GuruFocus' analysis, Sagar Cements (NSE:SAGCEM) is currently considered Possible Value Trap. The stock's GF Value™ is ₹272.41, compared to a current price of ₹175.39 — trading 35.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 12.23%. Sagar Cements' overall GF Score™ is 72/100 with 2 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 Sagar Cements (NSE:SAGCEM), the current Effective Interest Rate on Debt % is 12.23% as of Jun. 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 Sagar Cements (NSE:SAGCEM) Overvalued in 2026?

Based on GuruFocus' analysis, Sagar Cements stock appears to be undervalued. The current stock price of ₹175.39 is trading 35.6% below its estimated GF Value™ of ₹272.41. GuruFocus considers Sagar Cements to be Possible Value Trap.

Key valuation signals for NSE:SAGCEM:

  • Effective Interest Rate on Debt %: 12.23%
  • GF Value™: ₹272.41 vs. price of ₹175.39 (35.6% below fair value)
  • GF Score™: 72/100 with 2 warning signs

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


Sagar Cements Business Description

Other Exchanges 502090:India
Address Road No. 10, Plot No. 111, Jubilee Hills, Hyderabad, TG, IND, 500 033
Sagar Cements Ltd is a manufacturer and supplier of cement and cement-related products in India. It manufactures varieties of cement such as Ordinary Portland Cement, Portland Pozzolana Cement (PPC), Sulphate Resisting Portland Cement (SRPC), Ground Granulated Blast Furnace Slag (GGBS), and Portland Slag Cement (PSC), and among others. The firm generates a majority of its revenue from the Sale of cement and clinker.
72GF Score

Get the complete analysis for NSE:SAGCEM

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

₹175.39
Price
₹272.41
GF Value