credit rating

Will More Borrowing Improve My Credit Score or not?

Finance - Indians today are far more aware about the credit score and its importance. And as the awareness levels grow, so does the inquisitiveness on how does one manage and maintain the credit score. At Credit Sudhaar, we have experienced people having lots of views on this which can be passed on as nothing but misconceptions. […]...

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Must follow rules before taking a Business loan

Finance - Timely finance is the cornerstone of running a successful and profitable business. Not having access to funds when required could become an impediment for any businessman be it an owner of a small setup or a big one. Business loans like all other loans are extended based on certain conditions being fulfilled by the applicant […]...

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Avoid financial crisis, be aware of your credit score

Finance - Have you heard or read about the concept of credit report? Are you aware of your credit score? No? Then, you are making one of the most common and biggest financial mistakes. Not being aware of your credit score means you have no idea if banks will lend you money and if they do, at what rates. And in case of a financial emergency when you...

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Can you get a personal loan with bad credit?

Finance - Financial hardship can strike anyone. Unexpected events, changes in employment status, illness or changes in the income levels may significantly impact one’s cash flows. At such times it may be difficult to keep up with the debt obligations and bill payments....

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What is ‘willful defaulter’ and how to check list?

Finance - Failing to pay your dues such as loans EMI, cards bill or any other credit outstanding is termed as default. The default literally bleeds your CIBIL score and credit worthiness. So you should always plan your loans and try to make payments before time. It not only helps you build your credit score but also makes you credit ready for futur...

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Free Credit Information or CIBIL Report to individual assessee

Finance - WEF 01.01.2017, all Credit Information Companies shall provide, upon request provide a Free Full Credit Report popularly known as CIBIL report ...

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CIBIL Report one of the factors to be considered before granting any loan

Finance - The information contained in the CIR (which contains credit score) would be one of the factors that banks would consider before granting any credit facility to a prospective borrower. However, it will be the commercial judgment of the concerned credit institution to grant loan or other wise to such borrowers based on their Board approved ...

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Housing Price may decline in Mumbai and May go up slightly in Delhi – CRISIL

Finance - CRISIL Research expects divergent price trends during the year in Mumbai and NCR (National Capital Region), the two largest residential real estate markets in India. In 2011, prices of houses are likely to decline in Mumbai, whereas prices will rise ...

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Post housing loan scam -developers’ dependence on private money-lenders may increase

Finance - The recent housing loan scam would increase developers’ dependence on private money-lenders. While cash flow from various quarters like private equities and investors has already become scarcer, the scam is expected to adversely impact credit flow to...

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Credit rating not necessary for Micro and Small Enterprise (MSE) to get concessional loan

Finance - Credit rating is not a necessary requirement for any Micro and Small Enterprise (MSE) to get loan from Banks and Financial Institutions at economical rates. However, credit rating serves as a trusted third party opinion on the creditworthiness of the MSEs and a good rating helps the MSEs in obtaining faster and concessional credit from ba...

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Partial Credit Enhancement to Corporate Bonds- Credit Rating

RBI/2016-17/305 DBR.No.BP.BC.70/21.04.142/2016-17 - (18/05/2017) - a) To be eligible for PCE from banks, corporate bonds shall be rated by a minimum of two external credit rating agencies at all times; b) The rating reports, both initial and subsequent, shall disclose both standalone credit rating (i.e., rating without taking into account the effect of PCE) as well...

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Circular on Enhanced Standards for Credit Rating Agencies

PR No. 150/2016 and Circular No. SEBI/HO/MIRSD/MIRSD4/CIR/P/2016/119 - (01/11/2016) - Circular covers following- 1. Formulation of Rating Criteria and rating processes and public disclosure of the same.2. Accountability of Rating Analysts...

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Recent Posts in "credit rating"

Will More Borrowing Improve My Credit Score or not?

Indians today are far more aware about the credit score and its importance. And as the awareness levels grow, so does the inquisitiveness on how does one manage and maintain the credit score. At Credit Sudhaar, we have experienced people having lots of views on this which can be passed on as nothing but misconceptions. […]...

Read More
Posted Under: Fema / RBI |

Must follow rules before taking a Business loan

Timely finance is the cornerstone of running a successful and profitable business. Not having access to funds when required could become an impediment for any businessman be it an owner of a small setup or a big one. Business loans like all other loans are extended based on certain conditions being fulfilled by the applicant […]...

Read More
Posted Under: Fema / RBI |

Avoid financial crisis, be aware of your credit score

Have you heard or read about the concept of credit report? Are you aware of your credit score? No? Then, you are making one of the most common and biggest financial mistakes. Not being aware of your credit score means you have no idea if banks will lend you money and if they do, at what rates. And in case of a financial emergency when you...

Read More
Posted Under: Fema / RBI |

Can you get a personal loan with bad credit?

Financial hardship can strike anyone. Unexpected events, changes in employment status, illness or changes in the income levels may significantly impact one’s cash flows. At such times it may be difficult to keep up with the debt obligations and bill payments....

Read More
Posted Under: Fema / RBI |

Partial Credit Enhancement to Corporate Bonds- Credit Rating

RBI/2016-17/305 DBR.No.BP.BC.70/21.04.142/2016-17 (18/05/2017)

a) To be eligible for PCE from banks, corporate bonds shall be rated by a minimum of two external credit rating agencies at all times; b) The rating reports, both initial and subsequent, shall disclose both standalone credit rating (i.e., rating without taking into account the effect of PCE) as well as the enhanced credit rating (taking i...

Read More

What is ‘willful defaulter’ and how to check list?

Failing to pay your dues such as loans EMI, cards bill or any other credit outstanding is termed as default. The default literally bleeds your CIBIL score and credit worthiness. So you should always plan your loans and try to make payments before time. It not only helps you build your credit score but also makes you credit ready for futur...

Read More
Posted Under: Fema / RBI |

Why is it important to maintain a good credit score?

Having a good credit score can make or break your loan application. In many cases, it can be the deciding factor between approval and rejection. ...

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Posted Under: Fema / RBI |

Top Seventeen Credit Mistakes That Should Be Avoided

Here we have a list of credit mistakes that should be avoided by all. Avoiding these mistakes will be beneficial for maintaining a good credit score and availing good credit from the lenders. ...

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Posted Under: Fema / RBI |

Indian Stocks Soar but Banks are Weighing on the Nifty 50

The Nifty 50, India’s most liquid basket of stocks, broke out this week, testing the 9K level, following positive news about the potential growth of the economy according to the U.S. based credit rating agency Fitch.  With animal spirits across the globe driving share trading markets higher, India’s riskier assets will likely continu...

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Posted Under: Fema / RBI |

Be credit alert to be credit healthy

Life is tough for 35-year-old Sachin Shinde who moved from Solapur to Mumbai about five years back. Working as an executive assistant of a film director earns him just about enough to survive in a big city like Mumbai where his dream is to give his daughter a good education. ...

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Posted Under: Fema / RBI |
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