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Bank Loan Ratings

Banks operating in India are required to comply with Reserve Bank of India's New Capital Adequacy Framework (BASEL II). Banks are required to use credit ratings assigned by External Credit Assessment Institutions accredited by Reserve Bank of India (RBI). The risk weights on bank facilities extended to borrowers for arriving at capital requirements are based on the ratings. SMERA Ratings Limited is a credit rating agency accredited by RBI.

In addition to meeting compliance requirements, banks use these credit ratings as independent and unbiased opinions, to strengthen their risk management and internal decision making processes. For the rated borrower, these ratings are a key determinant in understanding the pricing of loans and bank facilities.



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