Corporates

CARE undertakes rating exercise based on information provided by the company, in-house database and data from other sources that CARE considers reliable.

+ Debt Ratings + Bank Loan Ratings + Issuer Ratings + Corporate Governance Rating + Recovery Rating

Financial Sector Ratings

CARE’s ratings factor in the array of risks that have an effect on the Financial Sector company viz business risks, legal risk, financial risks and management risks.

+ Banks + Credit Quality Rating + Capital Protection Oriented    Scheme Ratings + Insurance + NBFCs + Securitization + Housing Finance

Public Finance Ratings

CARE has comprehensive framework for the assessment of the credit quality of states and local bodies.

+ State Government Entities + Urban Local Bodies

Project Finance

CARE’s Project Finance Ratingis an independent opinion on the risks associated with the project on a standalone basis and after considering the sponsor’s strength.

+ Project Finance

Infrastructure Sector Ratings

CARE’s Infrastructure Sector Rating encompasses the ratings assigned to debt programmes of issuers in the power, roads, telecommunications and other such infrastructure-related sectors.

+ Overview + Roads + Power + Ports

MLD Valuation

CARE's Valuation of PPMLD structures are opinions on the valuation of a given instrument based on CARE's analysis of the structure and the impact of underlying market variables affecting the structure on the given valuation date.

MLD-Valuation

CARE’s SME Vertical

Value-added services for SMEs

+ Wide product offerings

+ Database of more than 6,000 SME entities

+ Quarterly publications for analytical inputs

+ Daily publication on news in SME sector

+ Operating from ten branches across India

+ MoU with leading banks for interest & rating fee concession

+ A team of qualified analyst

SMEs

Indian SMEs face growth constraints due to lack of adequate& timely finance and difficulty to establish credible relations with its stakeholders. CARE’s SME vertical with its sound data base and analytical abilities offers the various products in this segment to bridge this gap.

+ SME Ratings + SME Fundamental Grading + Bank Loan Ratings + Due Diligence Service + Channel Partner Evaluation

EQUIGRADE

EQUIGRADE is a flagship product under equity research and grading services offered by CARE.

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Real Estate Star Rating

CARE undertakes the Real Estate Star Rating exercise by implementing its plethora of analytical expertise.

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Edu-Grade

CARE EDU GRADE is a grading product for Educational Institutes.

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IPO Grading

CARE’s IPO grading is a service aimed at facilitating the assessment of equity issues offered to public.

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ITI Grading

ITI Grading is a grading product for Industrial Training Institutes.

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MFI Grading

CARE's MFI grading is a one-time assessment of a Micro Finance Institution's (MFI) operational and financial capability…

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REIT Rating

CARE’s Rating of REIT fund is an opinion on the REIT’s investment quality, based on the fundamental assessment of the REIT.…

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RESCO Grading

CARE has been empanelled by MNRE for carrying out the Accreditation/Grading exercise for Renewable Energy Service Companies (RESCOs)…

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ESCO Grading

The ESCOs specializes in energy audits and implement energy efficiency practices in a particular organization…

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Other Grading

+ Shipyard Grading

+ Construction Grading

+ Maritime Grading

Rating Symbols & Definition

+ Bank Loan Ratings + Construction Grading + Corporate Governance Rating

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Rating/Statistics – Regulatory Disclosure

+ Rating Procedure + Credit Rating History and Default + Income + Structured Finance Product

+ Read More + PD Benchmarks

+ Outstanding Rating

+ Brief Rationale

+ Publications

+ Rating Process

+ Investment Policy

+ Rating Criteria/Methodology

+ Complexity Level of Rated Instruments

+ Monthly Rating List

+ FAQs on Ratings

+ Fee Structure

Overview

The Economics Department is known for its regular and almost real-time domestic and global economy-related updates, opinions as well as analytical Studies and Surveys.

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Economy Updates

Analyses of developments in areas such as GDP, industrial growth, inflation, agricultural growth, trade etc.

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Global Updates

The reports in this section assess the impact of various policy measures by different countries on India’s economy and so on.

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Surveys

Surveys that capture expectations of the key players in the industry; from various fields like banking, automobile, entertainment, etc., on various economic developments.

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Industry Research & Studies

In-depth analytical Studies to ascertain trends in various facets of the economy.

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Debt Market Update

A free monthly bulletin about the happenings in the debt market.

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Financial Reports

+ Audited Financial Results + Unaudited Financial Results + Annual Reports

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Shareholding Pattern

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Share Prices

+ BSE Stock Watch + NSE Market Tracker

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Investor Contact

+ Registrar and Share Transfer Agent

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Rating Process

The rating process takes about two to three weeks, depending on the complexity of the assignment and the flow of information from the client. Ratings are assigned by the Rating Committee.

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Methodology

CARE undertakes a rating exercise based on information provided by the company, in-house databases and data from other sources that CARE considers reliable. CARE does not undertake unsolicited ratings.

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Fee Structure

Rating fees are computed separately on each instrument issued. Issuers are liable to pay rating fees, regardless of whether they accept CARE's rating or not. Full rating fee is to be paid up front.

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Rating FAQs

Why CARE Ratings? Why is credit rating necessary at all? Why do rating agencies use symbols like AAA, AA, rather than give marks or descriptive credit opinion?

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