Credit Rating In India

IMPORTANCE OF CREDIT RATING IN INDIA

What is Credit Rating? A credit rating assesses the credit worthiness

of an individual, corporation, or even a country. Credit ratings are calculated from financial history and current assets and liabilities. Credit rating agencies gives the ratings.

Importance of Credit rating in India establish a link between risk and return to investors in making investment decisions Credit rating shows the exact worth of the

organization

Credit Rating Agencies in India

CRISIL CARE ICRA FITCH RATING INDIA ONICRA

RATING PROCESS OF CRISIL

METHODOLOGY FOR RATING CREDIT BUSINESS RISK FINANCIAL RISK MANAGEMENT EVALUATION BUSINESS ENVIROMENT ANALYSIS

CREDIT RATING SYMBOLS CRISIL-

AAA AA A BBB BB B C D NM

: Highest Safety : High Safety : Adequate Safety : Moderate Safety : Inadequate Safety : High Risk : Substantial Risk : Default : Not Meaningful

PRIMARY DATA BRICKWORK CREDIT RATING AGENCY

BRICKWORK CREDIT RATING SYMBOLS

FINDINGS Ratings are not a guarantee against loss. Credit ratings are assigned to companies through

Credit rating agency. The rating given by the agency is very important for: Investor Issuer Financial Intermediaries Business Counter-parties Regulators

FINDINGS Cont…… These days people refers to 3 different credit

ratings agencies in order to make correct decision of investment. Issuer can Appeal to the credit rating agency if

they would not satisfy with the ratings

CONCLUSION

Presented By:

Elison Masih Vishal Gandhi Garima Doshi Jay Patadia Kapil Sharma

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