Credit Rating Improvement · Question

How do I find out the current credit rating of my business?

Short answer

Start with the rating letter your business received from the agency, then check that agency's own website, where published ratings and their rationales are listed by entity name. If you cannot find a letter, ask your lender or your finance team which agency rated you. Confirm the date, the facility covered and whether the rating is still valid.

In more detail

There are really two questions hidden here: who rated you, and what is the latest status. Answer the first and the second becomes simple.

If you asked for a rating, the agency sent you a rating letter and a rationale document. Check your email, your accounts team and the file kept for your last loan renewal. If a lender required the rating, the sanction papers often name the agency.

If you never commissioned a rating but suspect one exists, it may be an unsolicited one, or it may be an internal rating assigned by your lender. An internal rating is private to the lender and will not appear in any public listing. Your relationship manager can usually tell you the outcome in general terms, though not the full working.

Agencies publish ratings and press releases on their websites, typically searchable by company name. Read the following carefully rather than just the symbol:

the date of the latest action and the date it is valid until
whether it covers a specific loan facility or the company as a whole
the outlook, which signals likely direction
any note that the rating is under review, withdrawn or based on limited information

Do not rely on an old letter

Ratings are reviewed from time to time. A letter from a previous cycle may already have been upgraded, downgraded or withdrawn.

If the public listing and your own papers disagree, write to the agency with your company details and ask for written confirmation. Keep that confirmation with your loan file.

Key points

Your rating letter and the agency's public listing are the two primary sources to check.
Internal ratings from lenders are private; ask your relationship manager for the outcome in general terms.
Read the date, facility covered, outlook and any review or withdrawal note, not only the symbol.
Seek written confirmation from the agency when sources conflict, and file it with loan papers.

Who this applies to

Finance heads who inherited a loan file without the original rating letter.
Owners preparing a renewal who need to confirm which rating lenders will see.
Promoters unsure whether their business has been rated at all.

Last reviewed 3 October 2026

This answer is general information, not advice on your particular case. Terms, eligibility, and requirements change, so check the current position with the relevant institution or authority. Lalsar Holdings' financial advisory and financing work is advisory and facilitation only. Lalsar Holdings is not a lender. Sanction and disbursement of any credit facility is at the sole discretion of the partner bank, NBFC, or financial institution involved, subject to their own eligibility criteria and credit policy.