Credit Rating Advisory
Comprehensive support across the entire rating process, whether you're seeking a first-time rating, an upgrade, or maintaining your current rating position.
Learn moreWe build your credibility, sharpen your financial story, and lower your cost of funds.
For promoters and CFOs across India, led by Ritessh Kumar Jain, with a track record of multi-notch upgrades, turnarounds, and first-time investment-grade outcomes.
A rating rarely falls short because a business is weak, it falls short when the story is unclear. We close that gap: translating complex financials into a credible, well-evidenced case a rating agency can evaluate on its merits.
We look past the ratios to how your business actually earns, invests, and rides its cycle, the context a balance sheet alone never shows.
We rebuild your credit story in the metrics and language rating agencies genuinely weigh, so your real strengths are visible, not buried.
We coach your team and help you manage the processes end to end, so nothing about your case is lost in translation.
Six ways we help you secure, protect, and improve your credit rating, explore each below.
Comprehensive support across the entire rating process, whether you're seeking a first-time rating, an upgrade, or maintaining your current rating position.
Learn moreA structured pre-rating exercise to evaluate likely outcomes, highlight gaps, and address key concerns before engaging with a rating agency.
Learn moreAnalyse how strategic decisions such as expansion, M&A, IPOs, or restructuring may impact your financial metrics and overall credit profile.
Learn moreAdvisory support to achieve an RP4 or higher rating under Independent Credit Evaluation, ensuring alignment with RBI regulatory requirements.
Learn moreAssess the financial strength and reliability of customers, suppliers, or partners to reduce risk and support informed business decisions.
Learn moreOngoing support to protect and strengthen your rating through every surveillance cycle, so a hard-won rating is never lost to a weak review.
Learn moreWe understand how CRAs evaluate businesses and position your strengths to achieve the best possible outcome.
From documentation to CRA coordination, we manage the entire process, so your team stays focused on business.
Know your likely rating outcome in advance and proactively fix gaps before entering the formal process.
We translate your business into the language CRAs understand through structured communication and preparation.
With deep knowledge of RBI norms and rating frameworks, we help you avoid missteps and stay compliant.
From scenario analysis to risk assessment, we strengthen your overall financial positioning, not just your rating.
With extensive experience across CRAs and sectors, we bring the insight and relationships needed to drive better outcomes.
A rating agency assesses thousands of issuers. We work for one, you. Our only goal is your best possible outcome, with complete confidentiality and no conflicts of interest.
Not incremental help. We own the rating process end to end, anticipating what agencies scrutinise, preparing your team, and representing your case so the outcome reflects your real strength.
Six reasons it works:
More about usDecades across every major rating agency and dozens of sectors. We have seen how ratings are won and lost, and bring that pattern recognition to your case.
From initial assessment to post-rating analysis, we own every step of the rating process, so your leadership stays focused on running the business, not managing the rating.
Successful assignments across all seven major rating agencies. We know how each agency thinks and what it looks for, and prepare your case accordingly.
No two businesses are alike. We benchmark your performance against sector peers and build our advisory around your specific industry, capital structure, and rating objective.
We anticipate what rating agencies will scrutinise, and prepare you for it. Shadow ratings, scenario testing, and management coaching reduce the risk of an adverse or unexpected outcome.
Your financials, strategies, and discussions remain strictly confidential. Promoters and CFOs across India trust us for honest, unbiased advisory, with no conflicts of interest.
We have successfully delivered results across diverse industries, offering strategies tailored to each sector's dynamics.
Tailored credit-rating strategy for the infrastructure & real assets sector.
See How We Can HelpTailored credit-rating strategy for the manufacturing & industry sector.
See How We Can HelpTailored credit-rating strategy for the chemicals, pharma & speciality sector.
See How We Can HelpTailored credit-rating strategy for the consumer, agro & food processing sector.
See How We Can HelpTailored credit-rating strategy for the financial services, trade & hospitality sector.
See How We Can HelpWe engaged Ritessh Kumar Jain during a phase when our balance sheet appeared stressed due to the extended seasonality and cyclical nature of our industry. His deep understanding of our business model and risk profile helped articulate our case effectively to the rating agency, allowing us to retain our rating despite tough conditions. Over our continued association, Ritessh has provided strategic guidance that has laid a robust foundation for future rating interactions. We truly value his expertise.
Our credit rating journey from BB to BBB+ has been steered by Ritessh over the years. His commitment, professionalism have stood out consistently. We are fully satisfied with his services and would readily recommend him to any company seeking credible rating advisory.
Despite strong business performance, our rating didn't reflect our true potential, until Ritessh came on board. His involvement helped dismantle perception hurdles and frame our strengths compellingly. Beyond securing a rating improvement, Ritessh empowered us by helping us understand the methodology and factors influencing ratings. His collaborative approach and depth of knowledge were invaluable.
When we started our rating journey, we aimed for a BBB- but ended up securing a BBB thanks to Ritessh's proactive and knowledgeable guidance. He made the entire process seamless, addressing every concern and equipping our team with the right insights. We highly recommend his services.
As a newly incorporated company with no rating experience, our initial B+ rating led to concerns from our bankers. That's when we approached Ritessh. With his strategic inputs and group-level positioning, we secured a BBB- rating, unlocking the much-needed working capital. His intervention came at a critical time, and delivered real impact.
Even during a downturn in our business, Ritessh's guidance ensured that our downgrade stayed within investment grade limits, an outcome that preserved our ability to raise capital. His analytical foresight and consistent support helped us navigate through uncertain times with confidence.
Neofincred played a key role in managing the engagement end-to-end, from initial assessment and preparation to interactions with the rating agency and successful closure of the exercise. Their approach was highly structured, detail-oriented, and well aligned with the expectations of credit rating agencies. They demonstrated a strong understanding of our business model, financial profile, and key rating drivers. The team was proactive in identifying potential concerns and provided valuable guidance in effectively presenting our business strengths and risk mitigants. Their involvement contributed meaningfully to achieving a fair and appropriate rating outcome, reflective of our business fundamentals. We would be happy to recommend Neofincred Advisors LLP to any organisation seeking expert support in credit rating advisory.
We engaged Ritessh Kumar Jain during a phase when our balance sheet appeared stressed due to the extended seasonality and cyclical nature of our industry. His deep understanding of our business model and risk profile helped articulate our case effectively to the rating agency, allowing us to retain our rating despite tough conditions. Over our continued association, Ritessh has provided strategic guidance that has laid a robust foundation for future rating interactions. We truly value his expertise.
Our credit rating journey from BB to BBB+ has been steered by Ritessh over the years. His commitment, professionalism have stood out consistently. We are fully satisfied with his services and would readily recommend him to any company seeking credible rating advisory.
Despite strong business performance, our rating didn't reflect our true potential, until Ritessh came on board. His involvement helped dismantle perception hurdles and frame our strengths compellingly. Beyond securing a rating improvement, Ritessh empowered us by helping us understand the methodology and factors influencing ratings. His collaborative approach and depth of knowledge were invaluable.
When we started our rating journey, we aimed for a BBB- but ended up securing a BBB thanks to Ritessh's proactive and knowledgeable guidance. He made the entire process seamless, addressing every concern and equipping our team with the right insights. We highly recommend his services.
As a newly incorporated company with no rating experience, our initial B+ rating led to concerns from our bankers. That's when we approached Ritessh. With his strategic inputs and group-level positioning, we secured a BBB- rating, unlocking the much-needed working capital. His intervention came at a critical time, and delivered real impact.
Even during a downturn in our business, Ritessh's guidance ensured that our downgrade stayed within investment grade limits, an outcome that preserved our ability to raise capital. His analytical foresight and consistent support helped us navigate through uncertain times with confidence.
Neofincred played a key role in managing the engagement end-to-end, from initial assessment and preparation to interactions with the rating agency and successful closure of the exercise. Their approach was highly structured, detail-oriented, and well aligned with the expectations of credit rating agencies. They demonstrated a strong understanding of our business model, financial profile, and key rating drivers. The team was proactive in identifying potential concerns and provided valuable guidance in effectively presenting our business strengths and risk mitigants. Their involvement contributed meaningfully to achieving a fair and appropriate rating outcome, reflective of our business fundamentals. We would be happy to recommend Neofincred Advisors LLP to any organisation seeking expert support in credit rating advisory.
From first-time issuers to long-term credit turnarounds, here is how we have helped businesses across India achieve rating outcomes that often exceeded their own expectations.
Cyclical seasonality made the year-end numbers look stressed. We reframed the credit story around the real trading cycle, and the company held its investment-grade rating across two consecutive review cycles.
Read the Full StoryA newly incorporated infrastructure company needed at least BBB- to move its banking discussions forward, with no standalone track record. We structured the first-time rating end to end, and it secured a BBB, one notch above target.
Read the Full StoryStable operations, but a Negative outlook was unsettling lenders. The issue was perception, not performance. We rebuilt the narrative around group strength and forward visibility, and the company secured a BBB (Stable), above its BBB- expectation.
Read the Full StoryA first-time road SPV carried a perception drag from a lower-rated sponsor. We separated the project's standalone strength with a scenario-tested cash-flow model, and it secured a BBB against a BBB- target. The parent entity later upgraded too.
Read the Full StoryDowngraded to 'D' after defaults, then handed to new owners, the legacy still shadowed every assessment. Over a six-year engagement we rebuilt credibility cycle by cycle, culminating in a BBB+ in 2025.
Read the Full StoryA first-time logistics issuer expected a BBB- at best, given its scale and fragmented promoter profile. We structured the cash-flow model, arranged the site visit, and closed every analytical concern, and it secured an A-, three notches above expectation.
Read the Full StoryA rating reflects not just your numbers, but how clearly your business is understood. We know how each agency evaluates a company, prepare your financial narrative accordingly, and manage the entire interface, so your strengths are recognised and surprises are avoided.
No commitment is required for the first conversation, and every enquiry is treated as strictly confidential. We use it to understand your situation and outline the right approach, no obligation either way.
Yes. A significant share of our work is first-time ratings, including cases where we secured outcomes one to three notches above the client’s initial target. We guide first-time issuers through every step of the process.
Often the issue is perception, not performance. We diagnose where the gap lies, restructure the credit narrative, and represent your case to the agency, work that has reversed negative outlooks and delivered multi-notch upgrades, including turnarounds from ‘D’ to investment grade.
We have successfully handled assignments across all seven major rating agencies, and help you select the most suitable one for your sector and objective.
Always. Your financials, strategies, and discussions remain strictly confidential. We are not a CRA and have no conflicts of interest, our advisory is independent and unbiased.