Preparatory ratings across all major asset classes, entity types, and instrument categories
Long-term, short-term, and instrument-specific preparatory ratings for manufacturing, services, and trading companies
Assessment of a company's overall creditworthiness and ability to meet long-term financial obligations. Suitable for term loans, debentures, and bonds with maturities exceeding one year. Our 7-factor model is calibrated to match CRISIL and ICRA long-term rating criteria.
Request Long Term RatingAssessment of a company's ability to meet short-term obligations — commercial paper, working capital facilities, and short-term deposits. Based on liquidity, current ratio, and cash conversion cycle analysis.
Request Short Term RatingFor corporate ratings, our AI engine analyses:
Specialist preparatory ratings for banks, NBFCs, housing finance companies, and insurance firms
Preparatory ratings for infrastructure projects, structured obligations, and public finance instruments
Preparatory ratings for municipal corporations, urban local bodies, and public sector entities
Assessment of ULBs and municipal corporations issuing municipal bonds. Evaluates revenue base, fiscal discipline, governance, and project execution capability.
Credit assessment for central and state PSUs, considering sovereign support, strategic importance, and standalone financial strength. For both long-term and short-term instruments.
Specialist ratings for pooled municipal debt structures and water/sanitation project finance, with sector-specific revenue model and sustainability analysis.
Preparatory ratings for securitisation transactions, covered bonds, and asset-backed structures
Assessment of pool quality, originator underwriting standards, credit enhancement levels, and cash flow waterfall structures for securitisation transactions. Covers retail loan pools, SME loans, and microfinance receivables.
Dual-recourse analysis for covered bond structures, including cover pool quality assessment, over-collateralisation sufficiency, and legal isolation review.
Static and revolving pool analysis, prepayment and delinquency modelling, servicer quality assessment, and stress testing under multiple macroeconomic scenarios.
Specialised preparatory rating solutions for infrastructure debt funds, stressed assets, fixed deposits, and independent credit evaluations
Preparatory assessment for IDFs (both NBFC-IDF and MF-IDF structures) evaluating portfolio quality, sponsor strength, leverage, liquidity, and regulatory compliance with RBI IDF guidelines.
Independent assessment of stressed asset resolution plans, recovery estimates, and sustainable debt levels. Supports lenders, ARCs, and resolution applicants in evaluating NPA portfolios under IBC and RBI frameworks.
Assessment of a company's ability to repay fixed deposit obligations on time. Covers both manufacturing and financial sector FD programmes, with analysis of asset-liability matching and liquidity buffers.
Confidential, detailed credit assessment for banks and financial institutions evaluating large corporate exposures under RBI's Large Exposures Framework. Covers business, financial, management, and industry risk — without triggering public disclosure.