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Credit Intelligence

Risk Rating Engine

Standardized frameworks for evaluating creditworthiness in accordance with CIBIL and RBI statutory guidelines.

The Interactive Scorecard

A robust risk rating system is essential for institutional portfolio health. Use this interactive engine to evaluate your internal credit processes against top-tier Indian banking standards.

Check if CIBIL Score is above 750 (Retail) or CMR Rating is satisfactory (Corporate)Verification against internal credit policy required.
Verify Borrower has no history of default/SMA-2 in last 12 monthsVerification against internal credit policy required.
Ensure Debt-Service Coverage Ratio (DSCR) > 1.25xVerification against internal credit policy required.
Confirm Primary Security Coverage (>1.33x for Term Loans)Verification against internal credit policy required.
Validate Compliance with RBI Restructuring / Wilful Defaulter listsVerification against internal credit policy required.
Assess Industry Risk (Negative Outlook industries require higher margins)Verification against internal credit policy required.
Check Operating Cash Flows are positive for last 2 yearsVerification against internal credit policy required.
Verify Promoter Experience (>3 years in same line of activity)Verification against internal credit policy required.
Standardize review principles and monitoring frequencyVerification against internal credit policy required.
Risk Rating Analysis

95%

Target Accuracy

Strategic Benefits

Bias Elimination

Standardizing loan reviews to eliminate subjective human bias in credit selection.

Dynamic Pricing

Precisely aligning interest rates with granular borrower risk profiles and capital costs.

Early Vigilance

Providing immediate early warning signals for proactive credit deterioration management.

Strategic Compliance

Rigorous implementation of these rating checkpoints ensures institutional compliance with RBI and CIBIL master circulars while optimizing capital deployment.