Credit Rating Agencies and their Investment Grades

Credit Rating Agencies evaluate the evaluates 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.

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Investment Grades of Credit Rating Agencies in India

Investment Grades
CRISIL
Credit Rating
ICRA
CARE
Long Term Debentures
Higest 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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