Bank Loan Instruments and FDs

CRISIL’s rating methodology on bank loan facilities of the financial sector entities is largely similar to the analysis of the borrowing entity itself, and is based on the CRAMEL framework.

FD ratings
CRISIL rates FD programmes for entities in the financial sector that helps them diversify their funding sources.

CRISIL rates FD programmes with contracted maturity of more than a year on a 14-point rating scale (FAAA to FD), and short-term FD programmes with a contracted maturity of less than one year offered by banks on the short-term credit rating scale (CRISIL A1+ to CRISIL A5). 


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