CARE Ratings is India's second largest credit rating agency, established in 1993. It analyzes companies and assigns credit ratings based on financial history and ability to repay loans. Ratings indicate creditworthiness and risk of default, from highest safety (AAA) to high risk (B) or default (D). CARE provides ratings across various industries like banking, retail, automobiles and infrastructure, and services like corporate, financial institution, and construction ratings. It aims to help investors and lenders assess risk through independent, expert credit analysis and research.

1. CREDIT ANALYSIS & RESEARCH LIMITED

2. OVERVIEW
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CARE Ratings commenced its operations in April 1993.
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It is the second-largest credit rating agency in India.
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CARE is recognized by the Securities and Exchange Board of
India(SEBI), Government of India(GOI) and Reserve Bank of
India(RBI).
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The CARE was promoted by finance companies, banks and
investment companies.
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The three largest shareholders of CARE are IDBI Bank, SBI and
Canara Bank.

3. Credit Rating
• An assessment of the credit worthiness of individuals,
corporations or even a country
• It is calculated from financial history, current asset and
liability
• Credit raiting tells a lender or investor the probability of
the subject being able to pay back a loan
• A poor credit rating indicates a high risk of defaulting a
loan, and thus leads to high intrest rate.

4. Credit raiting agencies in India

5. Resarch offered on various industries
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Banking
Retail
Automobile
Metals
Infrastructures
Textiles
Shipping
and many more ......

6. Rating Symbols
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Long term/ medium term
debt instruments
CARE AAA - Highest safety
CARE AA - High safety
CARE A
- Adequate safety
CARE BBB - Moderate safety
CARE BB - Inadequate
safety
CARE B
- High risk
CARE C
- Substantial risk
CARE D
- Default
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Short term instruments
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PR1P2RPR3PR4PR5-
lowest credit risk
Higher credit risk
High credit risk
Very high credit risk
Default on Maturity

7. Services
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Corporate rating
Financial sector rating
Infrastructure rating
SME rating
Banks & FI rating
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Construction grading
IPO grading
EDU grading
Real estate grading
and many more .......

9. World Countries Rating
http://www.youtube.com/watch?v=cFwxQfRfOqQ

10. THANK YOU