WHAT IS FINANCIAL LITERACY & FINANCIAL FREEDOM ?
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Read MoreA credit rating calculates the credit worthiness of an issuer of specific types of debt, particularly debt issued by a business enterprise such as a corporation or a government. A credit rating agency makes an evaluation of the debt issuer’s likelihood of default. Credit ratings agencies determine Credit ratings. Credit Rating is an independent third party comprehensive assessment of the overall credit worthiness of an entity. It takes into account not only the financial condition of the entity, but also various qualitative parameters that have bearing on its credit worthiness. The credit rating represents the credit rating agency's evaluation of qualitative and quantitative information for a company or government; involving non-public information procured by the credit rating agencies analysts.
Credit ratings are not based on mathematical formulas. Instead, credit rating agencies use their judgment and experience to determine what public and private information should be considered in providing a rating to a particular company or government. The credit rating is used by individuals and entities that buy the bonds issued by companies and governments to indicate the likelihood that the government will pay its bond obligations. A poor credit rating determines a credit rating agency's opinion that the company or government has a high risk of defaulting, on the basis of agency's analysis of the entity's history and analysis of long term economic aspects.
Credit ratings are not based on mathematical formulas. Instead, credit rating agencies use their judgment and experience to determine what public and private information should be considered in providing a rating to a particular company or government. The credit rating is used by individuals and entities that buy the bonds issued by companies and governments to indicate the likelihood that the government will pay its bond obligations. A poor credit rating determines a credit rating agency's opinion that the company or government has a high risk of defaulting, on the basis of agency's analysis of the entity's history and analysis of long term economic aspects.
Credit ratings help investors facilitate comparative assessment of investment options, complement the investors' own credit analysis, and permit monitoring of asset
NORMALLY FOLLOWING THE RATING PROCESS ADOPTED BY THE RATING AGENCIES:-
MAIN RATING AGENCIES PREVAILING IN INDIA ARE MENTIONED BELOW:
Ratings awarded by major credit rating agencies:
Basel II Rating Scale & SME Rating Scale
Rajput Jain & Associates providing credit rating consultancy for consulting for SME Rating and Basel II Credit Rating by offering customized, comprehensive and structured solution that aims to compensate your investment in our services with a saving of hefty interest cost and smooth platform for your future financial needs in order to achieve financial success.
With the implementation of Basel II norms, corporate now have to be more vigilant about their credit rating, to ensure not just a high rating but also adequate flow of lending in order to sustain their operations along with reasonable level of interest rate. For companies seeking finance from a bank/bank related institution, the company will require a Basel II rating.
This is all the more relevant in the SME segment where a lot of lending is now rating based as opposed to lending that is based on the name and reputation of the management. Effective corporate rating management systems and processes will enable both banks and SMEs to grow their businesses.
Rajput Jain & Associates is managed by professionals who are specialized in their domain and have a good expertise in finance industry. The team has worked in rating agencies and has built their own expertise in the related domain. Our team knows how to prepare information, how to explain company’s policy, business model, future plan, growth plans, past history and how to present company. Rajput Jain & Associates provides assurance that the company will get a rating, which will lead to higher credibility and better financing term for the company. Rajput Jain & Associates takes care of each and every need of rating agencies and will be your one stop rating solutions.
We are rating consultant and not a rating agency. Rating will be provided only by RBI / SEBI approved rating agencies but we will be your consultant to help you in getting a better rating, which will help you to avail all the advantages of a good rating. A credit rating recommendation from Rajput Jain & Associates is not a recommendation or opinion that is intended to substitute for a financial adviser's or investor's independent assessment about whether to lend money, extend credit in any form or purchase, sell or hold any financial products. This information and the related corporate ratings and related analysis submitted in the reports by Rajput Jain & Associates do not represent an offer to trade in securities. Rajput Jain & Associates has a belief that all of its reports are based on reliable data and information or based on information offered to us by the party requesting the analysis, but Rajput Jain & Associates has not verified this or obtained an independent verification to this effect. Rajput Jain & Associates does not guarantee with respect to the accuracy or completeness of the data relied upon, nor the conclusions derived from the data. Each rating is a relative, probabilistic assessment of the credit risk of the relevant entity and its potential to meet financial obligations. It is not a statement that default will or will not occur provided that circumstances change and management can adopt new strategies. Reports have been prepared at the request of, and for the purpose of, the subscribers to our credit and/or composite risk rating service only, and neither Rajput Jain & Associates nor any of our employees hold any responsibility on any ground whatsoever, involving liability in negligence, to any other person. Finally, Rajput Jain & Associates and its employees accept no liability whatsoever for any direct, indirect or consequential loss of any kind arising from the use of its ratings and rating research in any way whatsoever, unless & until Rajput Jain & Associates is negligent in misinterpretation or manipulation of the data, in which case, our maximum liability to our client is the amount of our fee for the report.
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