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NameIssue SizeMaturityCoupon
Bank Of IndiaACUITE AA+INE084A081772000.00Cr15 Sep 20337.88 %
Bank Of IndiaACUITE AAINE084A08144602.00Cr31 Dec 99999.30 %
Bank Of IndiaACUITE AAINE084A08136750.00Cr31 Dec 99999.04 %
Bank Of IndiaACUITE AAINE084A081691500.00Cr31 Dec 99998.57 %
IIFL Samasta Finance LimitedACUITE AAINE413U08093300.00Cr18 May 203011.00 %
IIFL Samasta Finance LimitedACUITE AAINE413U08101100.00Cr13 Jun 203011.00 %
Edelweiss Alternative Asset Advisors LtdACUITE A+INE528L07073100.00Cr01 Sep 202610.83 %
Edelweiss Financial Services LimitedACUITE A+INE532F07DZ1300.00Cr21 Jul 203310.45 %
Edelweiss Financial Services LimitedACUITE A+INE532F07DY4400.00Cr27 Apr 203310.45 %
Edelweiss Financial Services LimitedACUITE A+INE532F07DI723.85Cr20 Jan 203310.45 %

Introduction

Incorporated in 2005, Acuité was an initiative of the Ministry of Finance (GOI) and Reserve Bank of India (RBI) to facilitate the credit rating of bank borrowers. Since a majority of bank borrowers are SMEs, Acuité chose to call themselves SME Rating Agency which later rebranded to SMERA Ratings Limited as their products & services portfolio expanded organically over the period and included Bond Ratings, CP Ratings, Bank Loan Ratings, SME Ratings and various grading services.

About Acuité Ratings & Research Limited

As India’s foremost credit rating and research agency, Acuité actively pursues the goal of unlocking the growth potential of financial markets and enabling their clients worldwide to sharpen their insights to make informed and judicious decisions.

As a SEBI-registered and RBI-accredited credit rating agency, they enjoy the unique advantage of being backed by the country’s largest and most powerful public and private sector banks. The company has also gained from being co-promoted by Dun & Bradstreet - a global data & analytics company.

In a brief 8-year span, from the time they commenced the bond and bank loan rating business, Acuité has assigned more than 9,600 credit ratings to entities across multiple industries. SMERA Gradings & Ratings, their subsidiary, which morphed from an initiative of the Ministry of Finance and RBI back in 2005, has built an enviable record of conducting 50,000 ratings.

Acuité Rating scale

Ratings

Definition

ACUITE AAA

Securities with this rating are considered to have the highest degree of safety regarding timely servicing of financial obligations. Such securities carry the lowest credit risk.

ACUITE AA

Securities with this rating are considered to have a high degree of safety regarding timely servicing of financial obligations. Such securities carry very low credit risk

ACUITE A

Securities with this rating are considered to have an adequate degree of safety regarding the timely servicing of financial obligations. Such securities carry low credit risk.

ACUITE BBB

Securities with this rating are considered to have a moderate degree of safety regarding timely servicing of financial obligations. Such securities carry moderate credit risk

ACUITE BB

Securities with this rating are considered to have a moderate risk of default regarding timely servicing of financial obligations.t

ACUITE B

Securities with this rating are considered to have a high risk of default regarding the timely servicing of financial obligations.

ACUITE C

Securities with this rating are considered to have a very high risk of default regarding the timely servicing of financial obligations.

ACUITE D

Securities with this rating are in default or are expected to be in default soon.

Rating Methodology for NBFCs

Acuité's way of assessing Non-Banking Financial Companies (NBFCs) is quite similar to how they assess banks and other institutions. This is because the risks involved in both these segments are quite similar. Even though they look at similar financial and non-financial factors, there are some small differences to consider when evaluating an NBFC. These differences come from things like the rules they follow, the resources they have, and the unique products they offer.

Acuite has noticed that some high-profile issues with NBFCs have made people rethink the rules that separate banks from NBFCs. Because of this, it's likely that in the future, the rules and oversight for larger NBFCs will become more similar to those for banks. So, some of these companies may need to change the way they do business because of these changes in the overall environment.

Final Word

Acuite does proper due diligence and then offers ratings to the debt issuers depending on their creditworthiness. You should always check the risks associated with the instrument in which you are investing to avoid losing money, and rating scales are one of the best measures to help your decision-making.

FAQs about Acuité Rated Bonds

How does a credit rating help an investor?

A credit rating is like a report card for a loan or investment. It gives you an unbiased opinion about how risky it is. This helps you make smart choices about where to put your money. It also helps set the price for these loans or investments. Credit ratings make sure everyone has the same information. This way, the financial market works better, and people can make better decisions about their money.

Who pays the credit rating agency?

The issuer or borrower pays the agency. This model of rating is known as an ‘issuer paid’ or ‘issuer solicited’ rating.

Why does a credit rating change?

Credit rating is provided to an instrument depending on certain assumptions and expectations that impact the issuer's performance. However, these can change depending upon various micro and macroeconomic variables, leading to ratings changes.

Disclaimer: The facts and information on this page are for information and awareness purposes only. No information provided here is intended towards any specific user and should not be construed as investment advice or a recommendation of any kind whatsoever. You are requested to consult with your professional investment advisor or tax advisor for specific directions on any investments in any securities including the bonds mentioned on this page before making any investment decision. Wint Wealth shall not be liable for any losses incurred by you based on an investment decision utilising the information on this page.