Project on Mamta

8/4/2019 Project on Mamta

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Project On:-

C R I S I L


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Introduction:-

The Credit Rating InformationServices of IndiaLimited(CRISIL) is India's premiercredit rating agency and ranks amongst

the top five credit rating agencies in theworld. Established in 1987, CRISIL has been

promoted by leading Indian financialinstitutions like The Industrial Credit andInvestment Corporation of India Limited(ICICI), Unit Trust of India (UTI) andHousing Development FinanceCorporation Limited. The major

shareholders include Standard & Poor's,


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. CRISIL became a public limitedcompany in November 1993 and ispresently a quoted company on the

Bombay Stock Exchange and theNational Stock Exchange.

CRISIL's leadership position

continues with over a 70% share ofthe Indian ratings market


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CRISIL Ratings

CRISIL Ratings is the only ratingsagency in India to operate on thebasis of sectoral specialisation. It

reflects our sharpness of analysis,the responsiveness of the processand the large-scale dissemination of

opinion.

CRISIL Ratings plays a leading role in

the development of the debt markets


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The Rating Criteria & ProductDevelopment Centre,

responsible for policy research,new product development andratings' quality assurance, hasdeveloped new ratingsmethodologies for debtinstruments and innovativestructures across sectors.

CRISIL Ratings provides technicalknow-how to clients worldwide.We have helped set up ratingsagencies in Malaysia (RAM),


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What the ratings mean

Credit rating Degree of safety #

Secure ratings

AAAf Very strong

AAf Strong

Af Adequate

BBBf Moderate

Vulnerable ratings

BBf Uncertain

Bf Vulnerable

Cf Extremely vulnerable

f' denotes 'fund'

# Denotes the level of protection a fund's portfolio holdings provide against

credit defaults


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RATING WATCHFor Tier-II bondsBank Earl ier NewAllahabad Bank AA/Stable AA+/Stable

Bank of India AA+/Stable AAA/Stable

Bank of Maharashtra AA/Stable AA+/Stable

Canara Bank AAA/Negative AAA/Stable

Central Bank AA/Stable AA+/Stable

Corporation Bank AAA/Negative AAA/Stable

Dena Bank AA-/Stable AA/Stable

IDBI Bank AA+/Negative AA+/Stable

Punjab & Sind Bank AA-/Positive AA/Stable

UCO Bank AA/Stable AA+/Stable

Union Bank AA+/Stable AAA/Stable

For Hybrid instruments*Bank of Maharashtra AA/Negative AA/Stable

Central Bank AA-/Negative AA/Stable

Dena Bank A/Stable A+/Positive

IDBI Bank AA/Negative AA/Stable

UCO Bank AA-/Negative AA/Stable* For banks where the rating differs Source: Crisil


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CRISIL Research

CRISIL Research is India's largestindependent integrated research

house providing accurate andreliable research, analysis andforecasts on the Indian economy,

industries and companies to over500 Indian and internationalclients across financial, corporate,

consulting and public sectors.


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CRISIL Research leverages on its

unique, integrated researchplatform and capabilities spanningthe entire economy-industry-company spectrum to deliversuperior perspectives and insightsto its clients, through both,subscription products andcustomised solutions


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CRISIL Research also offers

consistent, high qualityfinancial data analysis tousers within and outside the

CRISIL group, enhancing theefficacy of the conventional

financial analysis frameworksadopted in the marketplace.


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CRISIL Complexity Levels

Investors, both retail andinstitutional, in determining the degreeof sophistication and due diligence

required to understand the risk factorsinvolved in an instrument beforemaking an investment decision.

Issuers and FinancialIntermediaries, in deciding the targetsegment for each instrument, anddirecting selling efforts accordingly.

Thus, the problem of mis-selling can be


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Regulators, in addressing issues

such as mis-selling, and also instipulating the maximum complexitylevels for investment by a particularclass of investors, for example,

pension funds and insurancecompanies.

CRISIL Complexity Levels are a serviceprovided by CRISIL free of charge toall users. CRISIL Complexity Levels

may be used without changing their


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CRISIL FundServices

CRISIL FundServices is India'sleading provider of fund evaluationservices and risk solutions to the

mutual fund industry.

Through innovative analytics,

benchmarks and analytical tools,CRISIL FundServices plays asignificant role in shaping investor

confidence and facilitating the


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Widely reputed as theindustry standard, CRISILFund Services is the official

provider of valuation toolsand market benchmarks


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T h a n k Y ou

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Project on Mamta

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