Credit Rating Scales and Grades

Credit Rating Agencies evaluate the evaluates the credit worthiness of an individual, business or governments after studying their financial status, industrial risks and market conditions. These agencies work on the request of companies.
Credit Rating Agencies

At present, four credit Ration Agencies are working in the country. Credit Rating Information Services of India Limited (CRISIL), Investment Information and credit Rating Agency of India Ltd.(ICRA) , Credit Analysis and Research Ltd.. ( CARE) and Duff Falps Credit Rating Private Ltd. (DCR India). CRISIL is the first Credit Rating Agency of the country which started its functioning since January 1988.

    Investment Grades of Credit Rating Agencies in India

    Investment Grades
    CRISIL
    Credit Rating
    ICRA
    CARE
    Long Term Debentures
    Highest Safety
    AAA
    LAAA
    CARE AAA
    High Safety
    AA
    LAA
    CARE AA
    Adequate Safety
    A
    LA
    CARE A
    Inadequate Safety
    BB
    LBB
    CARE BB
    High-Risk
    B
    LB
    CARE B
    Mid-Term Debentures
    Highest Safety
    FAAA
    MAAA
    CARE AAA
    High safety
    FAA
    MAA
    CARE AA
    Adequate safety
    FA
    MA
    CARE A
    Inadequate Safety
    FB
    MB
    CARE BB
    High-Risk
    FC
    MC
    CARE B
    Short Term Debentures
    Highest safety
    P1
    A1
    PR1
    High safety
    P2
    A2
    PR2
    Adequate Safety
    P3
    A3
    PR3
    Inadequate Safety
    P4
    A4
    PR4
    High Risk
    -
    -
    -
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