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CA in Delhi
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Sunday, September 23, 2018

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  latest news heading 12 Jul, 2014 E-filing facility for tax returns suspended Amendment in Tax Audit report Form 3CD E-filing .....  
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gradient   updates Located in the southern peninsula of the Asian continent, India is the seventh largest and second most populous country ...
 
 
 
 
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CREDIT RATING
credit rating
A credit rating evaluates the credit worthiness of an issuer of specific types of debt, specifically, debt issued by a business enterprise such as a corporation or a government. It is an evaluation made by a credit rating agency of the debt issuer’s likelihood of default. Credit ratings are determined by credit ratings agencies. 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 several 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; including non-public information obtained by the credit rating agencies analysts.
Credit ratings are not based on mathematical formulas. Instead, credit rating agencies use their judgment and experience in determining what public and private information should be considered in giving a rating to a particular company or government. The credit rating is used by individuals and entities that purchase the bonds issued by companies and governments to determine the likelihood that the government will pay its bond obligations. A poor credit rating indicates a credit rating agency's opinion that the company or government has a high risk of defaulting, based on the agency's analysis of the entity's history and analysis of long term economic prospects.
BENEFITS OF THE CREDIT RATING
Credit ratings help investors facilitate comparative assessment of investment options, complement the investors' own credit analysis, and allow asset monitoring
Benifits for entities to be rated mention below:
bullet Reduction in Interest Rates as per CAR to be maintained by the Bank
bullet Better financial terms and confidence while negotiating with banks and FI’s
bullet Financial institution looks for investment graded company in their portfolio
bullet Helps in marketing and serves as first point to generate interest among potential partners
bullet It is a “holistic health check-up of the unit” that establishes credibility, goodwill and assists in dealing with large companies.
bullet Enhance acceptability with Banks, Financial Institutions and provides access to cheaper and timely credit.
bullet Assists in risk management by highlighting parameters measuring operational, financial and business risk.
bullet Better market visibility and better corporate image of the company
bullet Improve the comfort level with prospective/existing lenders
bullet Credibility and confidence building with business partners
bullet Self Improvement Tool
Benefits for lenders to be mention below:
bullet Provide an objective, independent and reliable opinion on credit quality
bullet Serve as an additional input in the credit decision making process
bullet Assist in risk pricing and capital allocation
bullet Determining the terms of lending – interest rate, collateral, tenure etc.
bullet Reduce time and cost in data analysis
bullet Detailed rating rationale enhancing credit assessment of Client
LIMITATIONS OF THE CREDIT RATING
bullet Possibility of Bias Exist: The information collected by the rating agency may be subject to personal bias of the rating team. However, rating agencies try their best to provide an unbiased opinion of the credit quality of the company and/or instrument. If not, they will not be trusted.
bullet Improper Disclosure May Happen: The company being rated may not disclose certain material facts to the investigating team of the rating agency. This can affect the quality of credit rating.
bullet Impact of Changing Environment: Rating is done based on present and past data of the company. So, it will be difficult to predict the future financial position of the company. Many changes take place due to changes in economic, political, social, technological, legal and other environments. All this will affect the working of the company being rated. Therefore, rating is not a guarantee for financial soundness of the company.
 
 
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We are the exclusive member in India of the Association of International Tax Consultants, an association of independent professional firms represented throughout Europe, US, Canada, South Africa, Australia and Asia.
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bullet Problems for New Companies: There may be problems for new companies to collect funds from the market. This is because, a new company may not be in a position to prove its financial soundness. Therefore, it may receive lower credit ratings. This will make it difficult to collect funds from the market.
bullet Downgrading by Rating Agency: The credit-rating agencies periodically review the ratings given to a particular instrument. If the performance of a company is not as expected, then the rating agency will downgrade the instrument. This will affect the image of the company.
bullet Difference in Rating: There are cases, where different ratings are provided by various rating agencies for the same instrument. These differences may be due to many reasons. This will create confusion in the minds of the investor.
RATING PROCESS ADOPTED BY THE RATING AGENCIES
Normally following the rating process adopted by rating agencies:
 
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Main rating agencies prevailing in India are mention below:
 
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Categories of rating
bullet SME RATING – For companies registered as SSI and having Bank Limit of < Rs. 5 crores.
bullet BASEL II RATING – Mandatory as per RBI guidelines having a bank limit of > Rs. 5 crores.
bullet CORPORATE RATING – Mandatory as per SEBI guidelines for Corporate Instruments i.e. Bonds, Debentures, Commercial Paper, etc.
Rating awarded by major credit rating agencies:
 
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What Rajput Consultancy Services Private Limited Offers
Rajput Consultancy services Pvt. Ltd offering credit rating consultancy for consulting for SME Rating and Basel II Credit Rating by providing customized, comprehensive and structured solution that aims to compensate your investment in our services with a hefty interest cost saving and smooth platform for your future financial requirements 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 to sustain their operations along with reasonable level of interest rate. For companies seeking funding from a bank/bank related institution, the company will need 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.
How Rajput Consultancy Pvt. Ltd. can help in achieving a higher grade rating:
Rajput Consultancy Services Pvt. Ltd is managed by professionals who are specialized in their domain and have a good experience 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 Consultancy Services Pvt. Ltd assures that the company will get a rating, which will result into higher credibility and better financing term for the company. Rajput Consultancy Services Pvt. Ltd takes care of each and every need of rating agencies and will be your one stop rating solutions.
Our rating exercise process includes following steps:
 
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Disclaimer
We are rating consultant and not a rating agency. Rating will be given 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 benefits of a good rating. A credit rating recommendation from Rajput Consultancy Services Pvt. Ltd is not a recommendation or opinion that is intended to substitute for a financial adviser's or investor's independent assessment of whether to lend money, extend credit in any form or buy, sell or hold any financial products. This information and the related corporate ratings and related analysis provided in the reports by Rajput Consultancy Services Pvt. Ltd do not represent an offer to trade in securities. Rajput Consultancy Services Pvt. Ltd believes that all of its reports are based on reliable data and information or based on information provided to us by the party requesting the analysis, but Rajput Consultancy Services Pvt. Ltd has not verified this or obtained an independent verification to this effect. Rajput Consultancy Services Pvt Ltd provides no 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 given 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 Consultancy Services Pvt. Ltd. nor any of our employees accept any responsibility on any ground whatsoever, including liability in negligence, to any other person. Finally, Rajput Consultancy Services Pvt. Ltd 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 Rajput Consultancy Services Pvt. Ltd. is negligent in misinterpreting or manipulating the data, in which case, our maximum liability to our client is the amount of our fee for the report.
 
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