E-RAM Consultancy

Our E-Ram Consultancy includes:

Gap Analysis


An internal credit rating process helps to discriminate among credit quality of borrowers, and to quantify individual credit risk as a measurable metric.

RAM Framework

CRS’s risk assessment model (RAM) helps a lending institution automate its internal credit rating process. This widely popular model is a workflow-based solution for hosting internal rating models, capable of assessing credit risk of  borrowers.

ASP - Model


This innovative application service provider (ASP) model is meant for use of RAM by all key constituents of financial markets, especially co-operative banks and small NBFCs.

Benefits of the service

  • Zero regular maintenance efforts and allied costs
  • Billing per-use approach
  • Best-in-class methodology and approach to credit risk assessment
  • Availability of updated risk models
  • Standardisation of risk assessment and financial analysis
  • Helps capture and store borrower information in an accessible medium
  • Compliance to regulator-prescribed best-practice framework

Request a call

Error Msg
Error Msg
Error Msg


  • For any risk solutions related queries, please contact
    +91 22 3342 8266