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Credit Advisory Services

Step 1
Management Discussion
Step 2
Step 3
Coordination with CRA
Step 4
Finalization of Credit Rating

Credit Rating Advisory Services 

Credit rating is an analysis of a business entity’s creditworthiness and the ability to repay a financial obligation in completeness and within the established due dates. Credit rating in India is done by credit rating agencies authorized by SEBI. The credit rating agencies generate and assign credit rating based on the borrower's revenue, debt, earnings, and other factors. 

Before approving or sanctioning a loan, credit rating is thought to be the first thing that lenders look at. A high credit score indicates that the borrower can make timely loan repayments. 

At Registrationwala, we have a team of credit rating advisors having a vast understanding when it comes to a variety of financial analysis techniques and an in-depth understanding of qualitative and quantitative factors from a credit rating perspective. We’re your best bet if you want to obtain credit rating from one of the top credit rating agencies in India.

Credit Rating Benefits

There are several benefits of credit rating. Some of them are mentioned below:

Benefits of credit rating

Facilitates Loan Approval

Credit rating is used by the lenders to assess the risk associated with lending money to the borrowers. When an entity has a high credit rating, loan approval is made easier. However, if an entity has a lower credit rating, obtaining a loan can be difficult. Sometimes, the loan application can even get rejected. 

If you want to obtain a high credit rating, you can avail Registrationwala’s credit advisory services. Our consultants will guide you regarding how you can achieve a high credit rating.

Helps in Risk Management

Credit rating is an important tool for managing risks in the financial system as it helps the lenders and investors to manage their risk exposure and make informed decisions. 

Assists in Lower Interest Rates

Entities with good credit ratings often get lower interest rates on loans. This can save them a lot of money. 

Provides Transparency

An impartial and objective assessment of credit risk is offered by credit ratings assigned by credit rating agencies. They help the lenders and investors to make well-informed decisions by offering consistency and transparency in the creditworthiness assessment process.

Essential Documents for Credit Rating

While applying for credit rating, it is necessary to submit certain documents. The following documents must be submitted by an entity for credit rating:

  • Address Proof of the Firm 
  • Telephone or Electricity Bill
  • Bank Passbook or Account Statement
  • Registered Lease / Sale Agreement of office premises
  • GST certificate
  • Udyam certificate
  • Proof of Address issued by Scheduled Commercial Banks / Multinational Foreign Banks
  • Registration Certificate issued under Shops and Establishment Act
  • Copy Of Board Resolution along with authorized signatory list and specimen signature
  • Company PAN
  • ID Proof of authorized signatory submitting request for CCR (PAN or Driving License or Passport)
  • Any other documents required by the Credit Rating Agency

Credit Rating Process

If you decide to avail our credit rating advisory services, the credit rating process will take place in the following manner:

Credit rating process

We’ll understand your rating requirements

As a first step, Registrationwala’s credit rating consultants will understand your entity’s credit rating requirements and the outcome that you expect. For this, we might request your financials, project details and other required information so that we can do the primary analysis of the data. This way, we’ll be able to offer you a personalized consultation. 

Management Discussion

After our analysis, we will share our valuable insights with you and suggest areas of improvement if required. You will get Registrationwala’s full support. We will address all the weaknesses and highlight your credit strengths. If required, we will also prepare you regarding the questions which might be asked by credit agencies. 

Selection of Rating Agency

We keep a full track record of the sector outlook of various credit rating agencies in India and credit ratings done in the past in a particular industry by these agencies. Once we have done our analysis, we will help you to pick the appropriate credit rating agency for your company as we have the required expertise for it.

Preparation of documentations to be submitted to CRA

Once we have selected the ideal credit rating agency, we will assist you in the preparation of the supplementary material and documents which are required to be submitted to the credit rating agency. This will help them to take a fair view on the credit worthiness of your company.

Coordination with CRA

After the submission of your documents to the credit rating agency, we will keep you informed and updated regarding the status of your credit rating application. On your behalf, we'll coordinate with the credit rating agency and ensure that it receives all the necessary details and documents of your company. Throughout the process of credit rating, we will be in touch with you and be available to answer your queries.

Finalization of Credit Rating

Once our client has received the credit rating, we advise them whether they should appeal any aspect of the decision or accept the credit rating and convert it to a public rating, whichever is appropriate.   

Building Long Term Strategies for Credit Rating

The role of credit rating in financial services is important. Credit rating is a continuous process majority of the time. It is examined and reviewed periodically. Therefore, it is crucial for the businesses to monitor the credit rating. Our credit rating consultants at Registrationwala help the clients to build long term strategies so that they can maintain and improve their creditworthiness.

Why Choose Registrationwala for Credit Advisory Services?

Registrationwala is a leading credit rating advisory firm in India. We provide high-end analytical support to some of the leading companies in India. We bring with us over a decade of experience when it comes to credit advisory services. 

Many companies have Registrationwala as their reliable partner due to our unmatched credibility and in-depth understanding across various sections. By availing our remarkable credit advisory services and solutions, many of our clients have improved their financial efficiencies. 

Here are a few reasons why you should consider choosing us as your Credit Rating Advisor:

Expertise and Experience: We are leaders in facilitating credit ratings from CRAs in India. We make use of our years of experience to ensure accuracy in our guidance and offer seamless support throughout the entire process of credit rating.

Personalized Solutions: Consultants at Registrationwala offer personalized solutions that are specifically tailored to meet the unique needs and objectives of the clients. We ensure that the credit rating process perfectly aligns with our clients’ business goals.

Timeliness and Accuracy: At Registrationwala, we know the importance of timely credit ratings for companies. We expedite the credit rating process from our end with zero compromise on the accuracy.

Comprehensive Advisory: Services offered by Registrationwala go beyond just facilitating the credit rating process. We offer comprehensive advisory support to our clients, which includes our assistance for getting all the documents ready, interpretation of the credit reports and strategic planning based on the outcome of the credit rating to decide the way forward.

Dedicated Customer Support: If you face any issues during the credit rating process or even after it’s completed, we would be happy to assist you. At Registrationwala, we believe in providing a seamless and positive experience for each and every client associated with us.

If you want a trusted credit rating advisor, choose Registrationwala. We will not only facilitate your credit rating but also help you with a strategic approach to build creditworthiness in the Indian market.

Frequently Asked Questions (FAQs) about Credit Rating

Q1. Why does a company require credit rating?

A. Before approving or sanctioning a loan, lenders take into account the credit rating of a company. Through credit rating, the lenders can assess the creditworthiness of the potential borrowers. 

Q2. What is the credit rating scale of CRAs?

A. Credit rating scales in India are categorized as AAA, AA, A, BBB, BB, B, CCC, C, D, etc. The highest credit rating is AAA. If the credit rating is below BB, it is considered that the borrower’s creditworthiness is poor.

Q3. Which regulatory body regulates CRAs in India?

A. Credit rating agencies (CRAs) are regulated by the Securities and Exchange Board of India (SEBI)  under the SEBI (Credit Rating Agencies) Regulations, 1999.

Q4. How can a good credit rating be established and maintained by a company?

A. To establish and maintain a good credit rating, a company must pay off all its loans and EMI dues on time and also get its business registered.

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