Finance and Investment

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.

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 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, ...

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.

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 d...

There can be no denying the fact that one has to fulfill certain eligibility criteria for availing MSME loans. Some of the important MSME Loan eligibility criteria that one must fulfill for being eligible for availing MSME loans are discussed below. A comprehensive business plan: One of the prominent criteria for availing MSME loans for any new business.  A registered business: It is a must whether you are an experienced entrepreneur or someone who has just joined the market. Registration of the business is an absolute must for qualifying for any government plan or for any MSME business loan . Profit and loss statement: For existing businesses, it is important as these are clear pointers towards the fact that how well the business is managed before the funds can be disbursed. Previous year’s ITR: These are important documents for they reveal your taxes. Lenders go through them carefully to see if the applicant has paid all his taxes. Good credit history: This sho...

With time traditional bank loans have become costly therefore, the lenders are coming up with new options to allow meeting intermediate cash flow requirements of customers. A loan against shares is one such facility that is provided by banks and NBFCs against certain securities owned either by the borrower’s relatives or the borrower himself. For instance, if you are provided with a loan against securities of worth Rs. 2 lakhs and in case, you withdraw Rs. 50,000 and deposit the money back into account within a month. In that situation, you will be charged interest for just one month on Rs. 50,000.   Some of the steps to be followed are mentioned below: In order to avail loan against shares, all you got to do is fill the application form with personal details of the borrower and of securities to be undertaken. The documents required for the loan against securities are identity proof, address proof, signature proof, IT returns of concerned company/proprietorship/par...

Whether it is about buying a home, already owning one, thinking of moving house or just getting a second real estate property, a home loan is the perfect solution for all the problems. A home loan is a long term commitment. Before applying for the home loan process, it is important to analyze your total eligibility, which mainly depends on your repayment capacity. Ensure that the home you are buying also meets a certain criterion. Here are a few things buyers need to check before applying for a home loan : Information The foremost thing to keep in mind is the location of the property you are planning to purchase. Buyers need to understand whether the property they are buying is good enough, the builder has a good record in terms of successful delivery or the builder has all the needed permissions. Home Loan Interest Rate Before applying for a home loan, it is essential to compare the home loan rate of interest of at least 4-5 banks. Always opt for the cheaper one ...

Capital, undoubtedly, plays a major role in fostering any business. However, arranging finance for business promotion or for any other need pertaining to business might not be easy on occasions. It is here that unsecured loan comes into play and ensures that entrepreneurs do not suffer for lack of funds. The value of unsecured business loan is therefore firmly established. Unsecured Business Loan in India – Advantages Galore The advantages of unsecured business loan are many. For starters it is collateral-free. Yes, you would not have to pledge any collateral if you intend to avail unsecured business loan. However, as an unsecured loan does not involve any collateral it poses some element of risk for the lender. This explains the reason why the interest rate levied on the unsecured business loan is higher than secured business loan. It is also not as easy to avail unsecured business loan. Loan tenure of unsecured business loan is also shorter than secured business loan. ...

BBenefits of Personal Loan There are plenty of benefits that personal loan brings for the borrower. Some of the prominent benefits of personal loan are listed below. Personal Loans Are Versatile Unlike mortgage or student loan, personal loan can be used for a variety of purposes like marriages, vacation, expensive purchase, consolidate credit card, medical expenses and for almost every purpose. Fixed Monthly Payment This is the biggest advantage of personal loan. As the installment is fixed you can plan the repayment accordingly which will ensure that you never default on your repayments. Borrow Any Amount Yes, you can borrow the amount you require be it small or big. However, credit score rating plays a big role in it. Decent Interest Rate The personal loan interest rate levied by the lenders is very decent. No wonder it plays an important role in making the loan popular. Swift Loan Approval Yes, unlike mortgage or home equity loan which might take at least...

Unit conversion is the process of converting the standard units from one form to another depending on the need. If you are thinking about the way you can convert the land area to the desired unit of measurement then with the help of an area conversion calculator , you can change any type of unit area, whether it is in metrics or imperial systems.   It can also serve as an area convertor between hectares, square feet, and acres based on total width and length. All you have to do is simply put the value of the area of land that you wish to convert, select its available measurement unit and then choose the unit that you have to change. It is mostly used in two types of loans; home loan and loan against property. The land area calculator makes it easy for buyers to know the exact value of the property against the land size.

Whether it is a big firm or small, the success of the business is always determined by the soundness of its financial status. Thus, it becomes imperative for business owners to arrange enough finance to meet numerous daily and unplanned expenditure of their business. In the competitive market, one can require funds anytime and delay in arranging funds can hamper the work. In such a situation, it is better to manage desired finance with the help of unsecured business loan as it can be availed with no collateral and easy documentation. With so many banks/NBFCs offering unsecured business loan at lower interest rates, it becomes tough to select anyone. It is here that IndiakaLoan comes into the picture as it is one of the most preferred collateral-free unsecured business loan providers. Some of the benefits you can avail from IndiakaLoan offerings: It provides loan for every type of enterprise venture with cash credit limit ranging from Rs 10-40 lakhs to support businesse...

The machinery loan is given for varied purposes such as construction, manufacturing, corporate aviation, automobile and allied industry, IT and office, electronics & appliances, health care, and others. The machinery loan calculator can suggest better about the monthly installment that the borrower must pay each month towards the loan repayment throughout the loan period. It is also available online to easily assess the EMIs. What are the benefits of using machinery loan calculator? In common, there are three advantages of the same. First, it helps in providing an estimate of monthly installment which you have to pay for a loan amount as per repayment capability. Second, it aids to choose your loan tenure and handle finances in a proper manner. Third but not the last, it helps businesses to manage their cash flow nicely and meet the entire short-term monetary requirement with effortlessness. How does the machinery loan calculator work? You have to simply enter certa...

When the person applies for any type of loan, whether it is personal, home or mortgage, one thing that the financial institution looks for is the ability to repay the amount. To be on the safer side, the applicant can make use of loan eligibility calculator as it works on mathematical formula to assess the needed loan amount. Moreover, it is the easiest and fastest way to check your loan eligibility online. Although, it takes various factors into consideration such as net monthly salary, loan tenure, running EMIs, and other monthly income. Below mentioned are the basic points on which your loan eligibility is determined: Credit History Your credit history helps banks and NBFCs to know about your behavior of payment and the way in which you settle your loans. In case, the past loan is delayed due to some reason or not submitted on time, the lower your score is likely to be. A credit score above 550 and near to 900 is good for any sort of loan eligibility. A score below an...

There cannot be a semblance of doubt in the fact that working capital loan prove to be very helpful for the entrepreneurs and help them bailout of the financial hot waters.  Some of the important benefits ofworking capital loan are: ·          No Collaterals Required Anyone with good credit history can apply for unsecured working capital loans where in they can avail loan without pledging any collateral. However, one must be very careful with the repayments and make sure that there is no default. ·          Easy & Flexible Working capital loans can be availed conveniently and without any hassles. The loan normally comes w ith different repayment terms and interest rates. These assist the applicants in working out their cash flow.     ·          No Restrictions Imposed In most of the cases working capital loan has very little o...

A loan is money borrowed at the time of crisis or urgent need with a promise of return within a specific time period. The banks and NBFCs decide a fixed interest rate that you have to pay on the money you borrow, along with the principal amount borrowed. There are various types of loans available in India such as home loan, personal loan, car loan, student loan, payday loan, debt consolidation loan, and so on. Secured Loan A secured loan is provided against collateral security of any of your valuable assets. Such type of loan is regarded as the most flexible loans as it is provided in lower interest rates and longer repayment tracks. This type of loan is offered in a lenient way since the lender does not have any sort of risk in the loan amount as he/she can go for the foreclosure of the asset, especially in the case when the borrower makes any drift in the loan repayment. The equity loan, car loan, and the home mortgage are some of the loans categorized under secured loan...

It indeed can become difficult at times for entrepreneurs to arrange for finances on time and without any hassles. It is here that SME loans prove their relevance and prove to be very helpful. Easy and hassle-free SME loan is godsend, particularly for up and coming businesses, and help them in meeting their financial requirements on time and without any hassles.       Moreover, one can avail SME loan without any collateral . Apart from attractive interest rate, the loan also offers a unique flexi-loan facility, and approval in just one day. There can be no denying the fact that collateral free SME Loan with lowest interest rate is perfect for businesses. The value of SME loans therefore gets firmly established. However, for individuals, it can prove to be a herculean task to avail SME loans. The reason for this is not difficult to understand. There are a host of financial institutions that offer SME loans and it is not possible for any individual to opt ...

In today’s competitive world, one needs money for almost everything, from funding one’s own business to paying for the education of children. But from where does the money come for various needs? In the current scenario, there are many ways in which the person can source money and the foremost option is to avail a loan. One such loan is a loan against property. The loan against property is given against the mortgage of one’s property. Steps involved in the process Application The loan application sets the ball rolling in a loan against property . All you got to do is opt for the right lender and fill the form with necessary details. Eligibility criteria The eligibility criteria to avail this loan differ from lender to lender. One of the foremost points to note here is that a person’s finances should be of sound nature. The banks and NBFCs consider certain points such as how much you earn, how much your savings are, as well as the debts you possess. A thorough che...