Download - 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
CRISILCARE ICRAFITCH RATING INDIAONICRA
RATING PROCESS OF CRISIL
METHODOLOGY FOR RATING CREDIT
BUSINESS RISK
FINANCIAL RISK
MANAGEMENT EVALUATION
BUSINESS ENVIROMENT ANALYSIS
CREDIT RATING SYMBOLSCRISIL-
AAA : Highest Safety
AA : High SafetyA : Adequate SafetyBBB : Moderate SafetyBB : Inadequate SafetyB : High RiskC : Substantial Risk D : DefaultNM : Not Meaningful
PRIMARY DATABRICKWORK 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:InvestorIssuerFinancial IntermediariesBusiness Counter-partiesRegulators
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 (16)Vishal Gandhi (17)Garima Doshi (18)Jay Patadia (19)Kapil Sharma (20)