Infomerics Unaccepted Rating List | Unaccepted Ratings

Infomerics unaccepted rating list discloses the ratings that remain unaccepted 30 days after the communication of Rating. In compliance with SEBI circular effective May 30, 2018, all non-accepted ratings shall be disclosed on the website of Infomerics for a period of one year from the date of such rating being disclosed as a non-accepted rating on the website. Details to be included for unaccepted ratings are name of the issuer, type of the instrument, size of the issue, rating and outlook assigned.

Non-cooperation by the issuer means that not providing information required for rating, non-payment of fees for conducting surveillance credit rating agency shall continue to review the instrument, on an ongoing basis throughout the instrument’s lifetime, on the basis of best available information, in accordance with the rating process and policies set forth in its operation manual.

Infomerics Rating Methodology and Process

Rating methodology of Infomerics ratings is analysed by quantitative and qualitative factors affecting the credit quality of the issuer company. It varies as per the sectors like manufacturing companies, trading companies, service sector companies, banks, NBFCs, public finance, infrastructure companies, issuer rating, bank loan ratings, rating of mutual fund, investment fund etc. 

Infomerics rating methodology issue rating on factors including Industry Overview, Business Risks, Financial Risks and Management Risks. However, it is known as bank loan rating which is used to determine risk factors for the companies financial purposes and loan exposures. Infomerics is a SEBI registered company and accredited by Reserve Bank of India.

Infomerics Bank Loan Ratings | Corporate Credit Rating List

Bank Loan Ratings is used by banks to determine risk weights for their loan exposures, in line with the Reserve Bank of India’s Guidelines for Implementation of the New Capital Adequacy Framework under Basel II framework. Infomerics rates all types of fund-based and non-fund based facilities sanctioned by Banks. This would include cash credit, working capital demand loans, Letter of Credit, Bank guarantees, Bill discounting, Project loans, Loans for general corporate purposes etc.

The primary focus of the rating exercise is to assess future cash generation capability and their adequacy to meet debt obligations as per the repayment terms. The analysis therefore attempts to determine the fundamentals of the business and the industry and the probabilities of change in these fundamentals, which could affect the credit worthiness of the borrower. 

Infomerics Ratings Products and Services

Infomerics has domain knowledge on the following sectors like MSME, banking and finance, NBFCs, insurance, trading and others. It’s core industries are automobiles, fertilizer, cement, oil & gas, steel, textiles, mining, education etc. Look at the list of Infomerics products and services.

Ratings for Bonds, Debentures, and Structured Products.

Ratings for Commercial Paper.

Ratings for Tier II and Perpetual Bonds of Banks.

Bank Loan Rating Under BASEL – II

Rating of Bank Bonds under BASEL – III.

BASEL norms complaint Bonds.

Linked Debentures.

Certificate of Deposits of Banks and Corporates.

Fixed Deposit Ratings.

Issuer Ratings for Corporates and Financial Institutions.

Rating for Insurance Companies.

Security Receipt Ratings.

Mutual Fund Ratings.

Rating of Alternative Investment Funds.

MSME Ratings – NSIC Performance Rating.

Ratings of Claim Paying Ability of Insurance Companies.

Micro-finance Institution Grading.

Grading of Healthcare Entities.

IPO Grading.

Corporate Governance Ratings of Corporates.

Real Estate & Developer Grading.

Grading of Construction entities.

Grading of Co-operative Societies.

Infomerics Rating Criteria and Methodology | Credit Rating Process

Infomerics Ratings seeks to continuously improve its ratings criteria and methodologies, and periodically updates the descriptions on this web site of its criteria and methodologies for securities of a given type. All published criteria reports, available on its website, are reviewed and approved prior to use by a Review Committee at least once in three years and proposals to amend criteria between reviews are required to be approved by Committee.

Infomerics rating criteria for non-financial sectors

  • Growth ratios like growth in revenue, profit after tax and earning before tax
  • Profitability ratios comprises EBIDTA Margin, PAT Margin, ROCE etc.
  • Leverage and coverage ratios
  • Liquidity ratios i.e. current and quick ratio
  • Turnover ratios 

The primary focus of the rating exercise is to assess future cash generation capability of the company and its adequacy to meet debt obligations, even in adverse conditions. Rating determination is a matter of experienced and holistic judgment, based on the relevant quantitative and qualitative factors affecting the credit quality of the issuer.

Credit Rating Company in India | SEBI Registered Rating Agency

Infomerics Ratings is one of the best rating agencies in India. It gives ratings to the small, medium and big companies that decide their financial values. It has domain knowledge on the following sectors like MSME, banking and finance, NBFCs, insurance, trading and others. However, it’s core industries are automobiles, fertilizer, cement, oil & gas, steel, textiles, mining, education etc.

Infomerics is SEBI registered and accredited by RBI, so that banks may use its ratings to the companies for the purpose of risk weighting their claims for capital adequacy purposes. It issues short term and long terms ratings to the companies in facilitating their access to various funding centers. 

Products and Services of Infomerics Ratings

It issues ratings for bonds, debentures, preference shares, structured products, commercial paper, deposit certificate of banks and corporates, fixed deposit ratings, insurance companies, mutual funds, MSME ratings, healthcare and much more.

Home Loan Benefits that Women can Avail Easily

In today’s time, women have become financially independent. Due to this, women are availing various home loan schemes available to them. Two factors, lower rate of interest and simple eligibility have largely encouraged women borrowers to apply for homes loans and also invest in property matters. Women are quick to repay the loan amount hence, lenders heavily rely on them.

Here are some of the home loan benefits for women borrowers:

Avail Government Home Loan Benefits

The Government of India offers numerous benefits to women to avail home loan like a concession in stamp duty by 1 to 2 per cent depending on the area you live in. On the procurement of the second home, there is no upper cap on the deduction claim. Also, women have the facility to take a tax benefit on Rs. 2, 00,000 under Section 24 and up to Rs. 1, 50,000 under Section 80C towards the repayment of the main amount as well as interest amount.

Make Use of Government Scheme – PMAY

The Pradhan Mantri Awas Yojana gives the first choice to women applicants. It makes co-ownership necessary thus, providing you with an interest subsidy up to Rs. 2.67 lakh. Around 6 per cent increase has been noted in the number of women taking a home loan in the country.

Longer Repayment Tenure

Various financial institutions offer longer repayment tenure to women for up to 20 to 25 years. This way a woman can have fewer burdens on home finances and have lower home loan installments. Other than this, no extra charges are charged on part-prepayment and foreclosure of home loans.

Simple Eligibility Criteria

For women borrowers, lenders have simple & basic eligibility criteria. Some may only expect you to be a citizen of India with required number of work experience thus, providing you with the opportunity to buy your dream house.

These were some of the benefits that only women can avail when applying for a home loan. Other than this, each bank may different scheme for women. Therefore, it is important to have complete analysis and then opt for the right one.

Real Estate Developer Loan: Helping Hand For Developers

It is not uncommon for real estate projects to get stalled for paucity of funds. It is to help the builders in such precarious situations that real estate developer loan was constituted. Needless to say that this variety of loan is a big help for real estate developers.  The popularity of real estate developer loans can be gauged from the fact that it is offered by many banks and NBFCs.

The applicant therefore has no shortage of options. However availability of multiple choices can at times prove to be tricky. One has to go through the terms and conditions of all the lenders and choose the one that best supports his requirements which becomes very difficult for individuals.

It is here that India’s most trusted loan advisor IndiakaLoan.com comes into play and through its extensive network of 40+ banks/NBFCs help its clients in zeroing in on the lender who will best support his requirements.      

This is a very welcome initiative as it proves to be very beneficial for the developers and assists them in arranging for the finances for the projects they are working on. It is a customized offering that is developed around the builder’s project acquisition and construction cost on the basis of a thorough evolution of the project by IndiakaLoan.com.

Benefits of the Real Estate Developer Loan through IndiakaLoan.com

  • You can avail loans like loan for purchasing and constructing commercial property, loan against residential and commercial property and discounting for lease rental.
  • We have our branch in 500 + cities that almost covers the entire country.
  • You get door step services that ensure hassle-free and swift approval & disbursal of loans when you opt for IndiakaLoan.com.
  • We have excellent post disbursement service.
  • We have a team of experienced employees who work on best-in-class information systems & network to ensure customer satisfaction
  • We adhere to integrity, ethics and transparency.

Why to Use Home Loan Tax Calculator before Buying a House?

Have you also felt irritated at not having complete information about the loan you are applying for? Well, if you have then you do not have to worry any more for IndiakaLoan.com’s loan calculators will give you all the concerned information about the loan you are opting for. 

Take for instance our home loan calculator that will assist you in knowing all the details about the loan like monthly EMI, interest amount, total amount payable etc. It can easily be understood that such important information brings immense relief to the applicants as they can now decide in advance whether or not they should be applying for the loan.

A loan EMI is divided into 2 components – the interest and the principal component. The Income Tax Act of India allows exemptions separately on both components subject to conditions as mentioned in law.

How to use IndiakaLoan.com’s Home Loan Calculator?

Using IndiakaLoan.com’s home loan tax calculator is very simple. All that is required is the following of the steps mentioned below.

  • Key in the home loan amount that you want to avail.
  • Mention the number of years for which you want to avail the home loan.

This will get you the monthly EMI amount that you need to repay the bank, interest amount as well as the total amount payable.

One thing that must be understood about IndiakaLoan.com calculators is the fact that they are available only as a helping tool that will only give you an idea of what you are looking for. The actual result depends on many factors that also include the inputs you provide. We therefore do not give any assurance regarding the correctness to your circumstances.

Working Capital Loan Calculator | Tips to Calculate Working Capital

Working capital on blackboard. illustration design graphic

A working capital loan calculator is basically an online tool which helps to calculate the exact EMI that the individual has to pay post availing a working capital loan. One of the major benefits of working capital loan calculator is that the individual gets to know the exact EMI amount towards the loan repayment.

Also, it helps in selecting the correct loan amount that you have to apply for, choose a proper tenure, and exact EMI that you have to pay each month. Knowing the amount in advance will help to make your financial decisions tactfully.

What is the formula used for the online working capital loan calculator?

The working capital loan calculator works on a simple formula i.e.

E = P * R * (1+R) ^N / ((1+R) ^N-1)

Each variable stands for something. Following is the explanation for the same:

R = Rate of Interest

P = Principal Loan Amount

N = Tenure of the loan, offered in months

E = EMI

The applicant can choose the loan amount required after successfully doing a working capital calculation of your business.

How to use the online working capital loan calculator?

The online working capital calculator is easy to use. All you have to do is input the essential details such as the loan amount that you want to avail, the interest rate, and the repayment tenure. Make sure that the details put by you are convenient for you. Apart from the EMI amount, it will also show you the interest you have to pay as well as the total payment including principal amount and interest.

Apart from offering Working Capital Loan, IndiakaLoan.com can help you easily get your working capital requirement and eligibility matrix. Moreover, its working capital loan calculator can provide you with exact EMI that you have to pay.