Long-form working guides to the published output of India’s credit rating agencies — written for someone who has to use these documents, not just know that they exist. Each one stands alone, states its sources, and says plainly where the public record stops.
The guides
Credit rating agencies in India →
The seven agencies with an established published book, compared for someone who works across them: the mandatory symbol prefixes, the suffixes that change what is being rated, bank loan versus instrument ratings, and the measured spread in lender-wise annexure publication between agencies.
How to check a company’s credit rating →
If an Indian company has a rating, it is published free on an agency’s website — but there are seven agencies, no cross-agency index, and no way to know in advance which one rated the company you care about. This guide walks the actual process, archive by archive, and states what the free route does and does not answer.
How to read a rating press release →
The document behind every rating action, taken apart section by section: the header and action type, the rationale and its sensitivities, the rated facilities table, and the lender-wise annexure — arguably the most operationally useful part of the document and the least read.
A fourth guide answers the reverse question: how to find which companies a bank lends to, from public sources only.
Further reference
- Glossary — the terminology in these documents, defined one term at a time
- What CRILC is — the RBI’s large-credit repository, and who can access it
Related
- Use cases — what a lender-indexed view of this material is used for
- Coverage — what the TatvaRatings corpus holds, with an as-at date
- Data limits — what it is bounded by