credit rating in india
TRANSCRIPT
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IMPORTANCE OF CREDIT RATING IN INDIA
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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.
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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
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Credit Rating Agencies in India
CRISILCARE ICRAFITCH RATING INDIAONICRA
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RATING PROCESS OF CRISIL
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METHODOLOGY FOR RATING CREDIT
BUSINESS RISK
FINANCIAL RISK
MANAGEMENT EVALUATION
BUSINESS ENVIROMENT ANALYSIS
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CREDIT RATING SYMBOLSCRISIL-
AAA : Highest Safety
AA : High SafetyA : Adequate SafetyBBB : Moderate SafetyBB : Inadequate SafetyB : High RiskC : Substantial Risk D : DefaultNM : Not Meaningful
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PRIMARY DATABRICKWORK CREDIT RATING
AGENCY
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BRICKWORK CREDIT RATING SYMBOLS
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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
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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
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CONCLUSION
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Presented By:Elison Masih (16)Vishal Gandhi (17)Garima Doshi (18)Jay Patadia (19)Kapil Sharma (20)