Tata Motors Passenger Vehicles (NSE:TMPV) Effective Interest Rate on Debt %: 3.77% (As of Mar. 2026)


NSE:TMPV Tata Motors Passenger Vehicles Ltd NSE:TMPV
69 GF Score
Price ₹349.70
GF Value ₹333.08
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is Tata Motors Passenger Vehicles Effective Interest Rate on Debt %?

Tata Motors Passenger Vehicles NSE:TMPV -1.37% 69 Effective Interest Rate on Debt % is 3.77% as of Mar. 2026. GuruFocus rates NSE:TMPV with a GF Score™ of 69/100 and a GF Value™ of ₹333.08 (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. Tata Motors Passenger Vehicles's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₹30,680 Mil. Tata Motors Passenger Vehicles's average total debt for the quarter that ended in Mar. 2026 was ₹813,950 Mil. Therefore, Tata Motors Passenger Vehicles's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.77%.


Tata Motors Passenger Vehicles  (NSE:TMPV) Effective Interest Rate on Debt % Explanation

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


Tata Motors Passenger Vehicles Effective Interest Rate on Debt % Related Terms


Tata Motors Passenger Vehicles Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Tata Motors Passenger Vehicles'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.

Tata Motors Passenger Vehicles Effective Interest Rate on Debt % Chart

Tata Motors Passenger Vehicles 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 6.43 7.19 6.16 4.24 3.64

Tata Motors Passenger Vehicles 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 4.48 5.07 4.08 4.06 3.77

NSE:TMPV vs TSLA, GM, F: Effective Interest Rate on Debt % Comparison

For the Auto Manufacturers subindustry, Tata Motors Passenger Vehicles'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.


Tata Motors Passenger Vehicles Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, Tata Motors Passenger Vehicles's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Tata Motors Passenger Vehicles's Effective Interest Rate on Debt % falls into.


NSE:TMPV
69GF Score
Tata Motors Passenger Vehicles Ltd NSE:TMPV
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Tata Motors Passenger Vehicles Effective Interest Rate on Debt % Calculation

Tata Motors Passenger Vehicles'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  *  -28270/( (740040+813950)/ 2 )
=-1  *  -28270/776995
=3.64 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=503230 + 236810
=740040

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=543070 + 270880
=813950

Tata Motors Passenger Vehicles'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  *  -30680/( (0+813950)/ 1 )
=-1  *  -30680/813950
=3.77 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=543070 + 270880
=813950

* 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 3.77% mean?
Tata Motors Passenger Vehicles (NSE:TMPV) has a Effective Interest Rate on Debt % of 3.77% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Tata Motors Passenger Vehicles and its competitors.
Is Tata Motors Passenger Vehicles' Effective Interest Rate on Debt % too high?
Tata Motors Passenger Vehicles' current Effective Interest Rate on Debt % is 3.77%. Overall, Tata Motors Passenger Vehicles has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Tata Motors Passenger Vehicles' Effective Interest Rate on Debt % compare to TSLA and GM?
Tata Motors Passenger Vehicles' Effective Interest Rate on Debt % of 3.77% can be compared against companies in the Vehicles & Parts 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 Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts 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 Tata Motors Passenger Vehicles and its competitors. Tata Motors Passenger Vehicles's current Effective Interest Rate on Debt % is 3.77%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tata Motors Passenger Vehicles stock overvalued right now?
Based on GuruFocus' analysis, Tata Motors Passenger Vehicles (NSE:TMPV) is currently considered Fairly Valued. The stock's GF Value™ is ₹333.08, compared to a current price of ₹349.70 — trading 5% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.77%. Tata Motors Passenger Vehicles' overall GF Score™ is 69/100 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 Tata Motors Passenger Vehicles (NSE:TMPV), the current Effective Interest Rate on Debt % is 3.77% 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 Tata Motors Passenger Vehicles (NSE:TMPV) Overvalued in 2026?

Based on GuruFocus' analysis, Tata Motors Passenger Vehicles stock appears to be overvalued. The current stock price of ₹349.70 is trading 5% above its estimated GF Value™ of ₹333.08. GuruFocus considers Tata Motors Passenger Vehicles to be Fairly Valued.

Key valuation signals for NSE:TMPV:

  • Effective Interest Rate on Debt %: 3.77%
  • GF Value™: ₹333.08 vs. price of ₹349.70 (5% above fair value)
  • GF Score™: 69/100 with 6 warning signs

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


Tata Motors Passenger Vehicles Business Description

Other Exchanges 500570:India
Address 24, Homi Mody Street, Bombay House, Mumbai, MH, IND, 400001
Tata Motors Passenger Vehicles Ltd Formerly Tata Motors Ltd designs, manufactures and sells a wide range of automotive vehicles and provides information technology services. The company also manufactures engines for industrial applications. Its operating segments include Automotive and Others. It mainly operates in the automotive business. The automotive business includes all activities relating to development, design, manufacture, assembly and sale of vehicles, as well as sale of related parts, accessories and services. The Automotive segment consists of three reportable sub-segments: Tata Commercial Vehicles, Tata Passenger Vehicles and Jaguar Land Rover of which majority of revenue comes from Jaguar Land Rover. It has majority of sales from India followed by United States, UK, etc.
69GF Score

Get the complete analysis for NSE:TMPV

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

₹349.70
Price
₹333.08
GF Value