Maintaining a good credit rating is extremely critical for any organization or individual to be able to secure a loan from the lending institution, investors or any other financial institutions. A good credit rating:

• multiplies the ability to repay the debt
• lowers the interest rates
• helps figure out the projected profits and revenues
• supports with the timely availability of funds
• provides a clear and concise view on current performance
• casts the limelight on the image to increase visibility among the lenders, investors etc.
• boosts the market evaluation 
• positively attracts clients’ attention

Credit rating is a qualitative and quantitative system of assessment that decides the capability of a prospective debtor to pay back a loan, both interest over time, and the principal at the end. Credit rating is not a recommendation tool to buy, sell or acquire a debt. Credit rating is rather a facility that offers additional inputs to the investor based on the analysis of which the investor is free to make investment decisions. 

Credit rating is assigned after an in-depth and detailed assessment of a company’s financials including its strengths and weaknesses. The process also requires a comprehensive evaluation of the market along with macro-economic, regulatory and political environment.

Yes. You can utilize your credit ratings to invest in debt mutual funds.

Below are the types of debt funds who accept credit ratings as per SEBI:

• Corporate Bond Fund: Minimum 80% investment in corporate bonds; only in AA+ and above rated corporate bonds
• Credit Risk Fund: Minimum 65% investment in corporate bonds; only in AA and below rated corporate bonds
• Gilt Fund: Minimum 80% in G-secs across maturities
• Gilt Fund with 10-year Constant Duration: Minimum 80% in G-secs in the way that the Macaulay duration of the portfolio equals 10 years

We take a lead in providing bank loan rating advisory services to evaluate the credit rating from the leading such agencies. We understand the significance of credit rating from the first go and therefore, we provide comprehensive rating consulting services in order to secure and maintain the optimum credit ratings.

With expert assistance, no hidden charges, affordable pricing, and a team of experts laced with a century-worth of experience makes us stand tall in the crowd of bank loan rating advisory firms. We are one of the leading firms in India to have a diverse portfolio of clients.

Credit ratings are assigned to companies or governments whereas credit scores symbolize numbers assigned to individuals expressing their ability to pay back loans, debt, rent etc.

If all the requisite documents are submitted to the agency, then it may take up to a month to get assigned with the credit rating.

No. Credit rating symbols vary from debt to debt. For example, short-term and long-term debts have different credit ratings.