Sahana System (NSE:SAHANA) Effective Interest Rate on Debt %: 13.86% (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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:SAHANA Sahana System Ltd NSE:SAHANA
82 GF Score
Price ₹904.45
GF Value ₹4,741.89
Valuation Possible Value Trap
! 6 Warning Signs
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What is Sahana System Effective Interest Rate on Debt %?

Sahana System NSE:SAHANA -0.10% 82 Effective Interest Rate on Debt % is 13.86% as of Mar. 2026. GuruFocus rates NSE:SAHANA with a GF Score™ of 82/100 and a GF Value™ of ₹4,741.89 (Possible Value Trap). 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. Sahana System's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹21 Mil. Sahana System's average total debt for the quarter that ended in Mar. 2026 was ₹150 Mil. Therefore, Sahana System's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 13.86%.


Sahana System  (NSE:SAHANA) Effective Interest Rate on Debt % Explanation

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


Sahana System Effective Interest Rate on Debt % Related Terms


Sahana System Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Sahana System'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.

Sahana System Effective Interest Rate on Debt % Chart

Sahana System Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 11.69 12.98 0.44 12.40 10.87

Sahana System Semi-Annual Data
Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial 0.00 0.00 0.00 20.91 13.86

NSE:SAHANA vs IBM, ACN, CTSH: Effective Interest Rate on Debt % Comparison

For the Information Technology Services subindustry, Sahana System'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.


Sahana System Effective Interest Rate on Debt % vs Software Industry

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

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


NSE:SAHANA
82GF Score
Sahana System Ltd NSE:SAHANA
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Sahana System Effective Interest Rate on Debt % Calculation

Sahana System'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  *  -16.349/( (121.562+179.323)/ 2 )
=-1  *  -16.349/150.4425
=10.87 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.85 + 115.712
=121.562

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.896 + 170.427
=179.323

Sahana System'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: Mar. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -20.85/( (121.562+179.323)/ 2 )
=-1  *  -20.85/150.4425
=13.86 %

where

Total Debt  (Q: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.85 + 115.712
=121.562

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.896 + 170.427
=179.323

* 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 two times the semi-annual (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 13.86% mean?
Sahana System (NSE:SAHANA) has a Effective Interest Rate on Debt % of 13.86% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Sahana System and its competitors.
Is Sahana System's Effective Interest Rate on Debt % too high?
Sahana System's current Effective Interest Rate on Debt % is 13.86%. Overall, Sahana System has a GF Score™ of 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Sahana System's Effective Interest Rate on Debt % compare to IBM and ACN?
Sahana System's Effective Interest Rate on Debt % of 13.86% 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 Sahana System and its competitors. Sahana System's current Effective Interest Rate on Debt % is 13.86%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahana System stock overvalued right now?
Based on GuruFocus' analysis, Sahana System (NSE:SAHANA) is currently considered Possible Value Trap. The stock's GF Value™ is ₹4,741.89, compared to a current price of ₹904.45 — trading 80.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 13.86%. Sahana System's overall GF Score™ is 82/100 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 Sahana System (NSE:SAHANA), the current Effective Interest Rate on Debt % is 13.86% 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 Sahana System (NSE:SAHANA) Overvalued in 2026?

Based on GuruFocus' analysis, Sahana System stock appears to be undervalued. The current stock price of ₹904.45 is trading 80.9% below its estimated GF Value™ of ₹4,741.89. GuruFocus considers Sahana System to be Possible Value Trap.

Key valuation signals for NSE:SAHANA:

  • Effective Interest Rate on Debt %: 13.86%
  • GF Value™: ₹4,741.89 vs. price of ₹904.45 (80.9% below fair value)
  • GF Score™: 82/100 with 6 warning signs

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


Sahana System Business Description

Address Sal Hospital Road, 1301, Maple Trade Centre, Nr. Surdhara Circle, Memnagar, Thaltej, Ahmedabad, GJ, IND, 380052
Sahana System Ltd is engaged in the business of offering IT-related services including web app development, mobile application development, AI & ML development, ChatBot development, product prototyping, graphics designing, UI-UX design, SEO & ASO, digital marketing, website & application migration, cyber security and outsourcing of IT services. The company is also engaged in the trading of hardware instruments related to Franking Machines, Computers, LEDs, Laptops, and others. The segments of the company are IT Services and Hardware Trading.
82GF Score

Get the complete analysis for NSE:SAHANA

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

₹904.45
Price
₹4,741.89
GF Value