India
The D&B® Rating consists of a Credit Appraisal and Financial Strength Indicator. The Financial Strength Indicator is based on either Net Worth or Issued Capital.
Composite Credit Conditions
The following possible values exist for the Credit Appraisal in this country.
| Risk Indicator | Guide to Interpretation |
|---|---|
| 1 | Strong (Minimal Trading Risk) |
| 2 | Good (Low Risk) |
| 3 | Fair (Slightly Greater Than Average Risk) |
| 4 | Limited (Significant Trading Risk) |
Alternate Ratings Used
| O- | Used when information available is insufficient or does not permit assignment of a rating. This is also used for businesses that have been trading for a relatively short period. Other reasons are negative net worth, recent inception, winding up proceedings |
| NQ | Businesses that had ceased operations or gone out of business are also assigned a Not-Quoted rating |
| N | Negative Net Worth |
| ER | Certain businesses (according to SIC) are not active seekers of commercial credit and thus do not lend themselves to a D&B rating |
D&B Financial Strength Indicator
The following table possible values exist for the D&B Financial Strength Indicator in this country.
| Estimated Financial Strength (in INR) | |
|---|---|
| 5A | 645,950,000 and greater |
| 4A | 129,190,000 - 645,949,999 |
| 3A | 64,595,000 - 129,189,999 |
| 2A | 12,919,000 - 64,594,999 |
| 1A | 7,751,400 - 12,918,999 |
| B | 3,875,700 - 7,751,399 |
| C | 1,219,900 - 3,875,699 |
| D | 516,760 - 1,219,899 |
| E | 155,028 - 516,759 |
| F | 51,676 - 155,027 |
| G | 0 - 51,676 |