Credit Rating can be defined as the assessment of the ability of the borrower to pay financial commitments in time.

Project Requirement
  • Crisil Credit Ratings.
  • Crisil’s policy for rating outlooks.
  • Key rating drivers and detailed description.
  • Crisil’s Rating Scale.


  • The first step to credit rating is that the enterprise applies to the rating agency for the rating of a particular instrument
  • Based on the information gathered and evaluation performance, the presentation of the report is made by the expert’s team to the Rating Committee, in which the issuer is not permitted to take part.
  • The decision of the rating is shared with the issuer and if he/she does not agree with the decision, then an opportunity of being heard is given. The issuer is required to provide material information, so as to appeal against the decision. The decision is reviewed by the committee, but that does not make any change in the ratings.
  • When the issuer agrees to the rating decision, the agency make a public announcement, of the rating.
  • The agency which rates the issue, overlooks the performance of the issuer and the business environment in which it operates
  • On the basis of continuous critical observation undertaken by the rating agency, it may place a rated security on Rating Watch.
  • Credit Ratings are not confined to particular debt instruments, but also covers public utilities, transport, infrastructure, energy projects, Special Purpose Vehicles etc
  • Rating scores are given by the credit rating agencies like CRISIL, ICRA, CARE, FITCH


Indianoil Petronas Private Limited


  • Crisil Credit Ratings
  • Crisil’s Policy for Rating Outlooks
  • Key Rating Drivers and Detailed Description
  • Crisil’s Rating Scale

Benefits Of The application


From manual to digitalised process.

Investment Proposal

Investor can take quick decision for investment.


Less chances of error due to less manual intervention.