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Company Fixed Deposit Rating Scale Details

 What is AAA & AA ?  AAA means Highest Safty Deposit.

Credit ratings are forward-looking opinions about credit risk. Credit ratings can also speak to the credit quality of an individual debt issue, such as a corporate note,  bond or Company Deposit, and the relative likelihood that the issue may default.
Each agency applies its own methodology in measuring creditworthiness and uses a specific rating scale to publish its ratings opinions.
 ‘AAA’ to ‘D’ to communicate the agency opinion of relative level of credit risk.


Rating Scale For Fixed Deposits


CRISILICRASafty MeasureDescription

FAAA  MAAAHighest SafetyThis rating indicates that the degree of safety regarding timely payment of interest and principal is very strong.

FAA MAAHigh SafetyThis rating indicates that the degree of safety regarding timely payment of interest and principal is strong. However, the relative degree of safety is not as high as for fixed deposits with 'FAAA' ratings.

FA MAAdequate SafetyThis rating indicates that the degree of safety regarding timely payment of interest and principal is satisfactory. Changes in circumstances can affect such issues more than those in the higher rated categories.

FB MBInadequate SafetyThis rating indicates inadequate safety of timely payment of interest and principal. Such issues are less susceptible to default than fixed deposits rated below this category, but the uncertainties that the issuer faces could lead to inadequate capacity to make timely interest and principal payments.

FCMCHigh Risk This rating indicates that the degree of safety regarding timely payment of interest and principal is doubtful. Such issues have factors present that make them vulnerable to default; adverse business or economic conditions would lead to lack of ability or willingness to pay interest or principal.

FDMDDefaultThis rating indicates that the fixed deposits are either in default or are expected to be in default upon maturity.

NM--Not MeaningfulInstruments rated 'NM' have factors present in them, which render the outstanding rating meaningless. These include reorganisation or liquidation of the issuer, and the obligation being under dispute in a court of law or before a statutory authority.

Notes:
1.  Rating of AA+ and A+ are one notch higher than  AA and  A respectively,  while AA- and A- are one notch lower than AA and A resepctively.
2.  For ICRA rating  Starting Letter L indicate  Long term deposit and M indicate Midium Term Deposit.


        Source : ICRA, CRISIL

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