Finance and Investment

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, based on

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 showcas