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.