Service Care (NSE:SERVICE) Effective Interest Rate on Debt %: 17.88% (As of Mar. 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:SERVICE Service Care Ltd NSE:SERVICE
67 GF Score
Price ₹69.45
GF Value ₹58.13
Valuation Modestly Overvalued
! 9 Warning Signs
View Full Analysis

What is Service Care Effective Interest Rate on Debt %?

Service Care NSE:SERVICE +0.36% 67 Effective Interest Rate on Debt % is 17.88% as of Mar. 2026. GuruFocus rates NSE:SERVICE with a GF Score™ of 67/100 and a GF Value™ of ₹58.13 (Modestly Overvalued). The stock has 9 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. Service Care's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹2 Mil. Service Care's average total debt for the quarter that ended in Mar. 2026 was ₹14 Mil. Therefore, Service Care's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 17.88%.


Service Care  (NSE:SERVICE) Effective Interest Rate on Debt % Explanation

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


Service Care Effective Interest Rate on Debt % Related Terms


Service Care Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Service Care'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.

Service Care Effective Interest Rate on Debt % Chart

Service Care Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 3.00 4.62 0.00 5.31 13.04

Service Care Semi-Annual Data
Mar20 Mar21 Mar22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 8.62 8.92 17.88

NSE:SERVICE vs RHI, KFY, TNET: Effective Interest Rate on Debt % Comparison

For the Staffing & Employment Services subindustry, Service Care'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.


Service Care Effective Interest Rate on Debt % vs Business Services Industry

For the Business Services industry and Industrials sector, Service Care's Effective Interest Rate on Debt % distribution charts can be found below:

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


NSE:SERVICE
67GF Score
Service Care Ltd NSE:SERVICE
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Service Care Effective Interest Rate on Debt % Calculation

Service Care'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  *  -1.833/( (14.499+13.623)/ 2 )
=-1  *  -1.833/14.061
=13.04 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=12.327 + 2.172
=14.499

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.49 + 2.133
=13.623

Service Care'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: Sep. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -2.42/( (13.451+13.623)/ 2 )
=-1  *  -2.42/13.537
=17.88 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.145 + 2.306
=13.451

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=11.49 + 2.133
=13.623

* 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 17.88% mean?
Service Care (NSE:SERVICE) has a Effective Interest Rate on Debt % of 17.88% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Service Care and its competitors.
Is Service Care's Effective Interest Rate on Debt % too high?
Service Care's current Effective Interest Rate on Debt % is 17.88%. Overall, Service Care has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Service Care's Effective Interest Rate on Debt % compare to RHI and KFY?
Service Care's Effective Interest Rate on Debt % of 17.88% can be compared against companies in the Business Services 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 Business Services company?
A good Effective Interest Rate on Debt % depends on the Business Services 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 Service Care and its competitors. Service Care's current Effective Interest Rate on Debt % is 17.88%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Service Care stock overvalued right now?
Based on GuruFocus' analysis, Service Care (NSE:SERVICE) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹58.13, compared to a current price of ₹69.45 — trading 19.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 17.88%. Service Care's overall GF Score™ is 67/100 with 9 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 Service Care (NSE:SERVICE), the current Effective Interest Rate on Debt % is 17.88% 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 Service Care (NSE:SERVICE) Overvalued in 2026?

Based on GuruFocus' analysis, Service Care stock appears to be overvalued. The current stock price of ₹69.45 is trading 19.5% above its estimated GF Value™ of ₹58.13. GuruFocus considers Service Care to be Modestly Overvalued.

Key valuation signals for NSE:SERVICE:

  • Effective Interest Rate on Debt %: 17.88%
  • GF Value™: ₹58.13 vs. price of ₹69.45 (19.5% above fair value)
  • GF Score™: 67/100 with 9 warning signs

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


Service Care Business Description

Address 2nd Main Road, No. 653, 1st Floor, Domlur Layout, Bangalore, KA, IND, 560071
Service Care Ltd operates in three main areas: Facility Management, Workspace Management, and Workforce Management. Facility Management includes services such as housekeeping, sanitation, security, and pest control. Workspace Management focuses on customized space design and integrated utilities management. Workforce Management involves compliant deployment, timely onboarding, and thorough background verification. The company has two segments: the Service Business, which encompasses housekeeping and janitorial services, and the Manpower Service Business. Notably, the majority of the company's revenue is generated from the Manpower Service Business.
67GF Score

Get the complete analysis for NSE:SERVICE

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

₹69.45
Price
₹58.13
GF Value