🏦 Bond Input Parameters
🎯 Composite Bond Scores
📖 Rating Scale
85–100 → Excellent — Highly creditworthy
70–84 → Good — Solid fundamentals
55–69 → Average — Moderate risk
40–54 → Risky — Elevated risk
25–39 → Poor — High risk
0–24 → Avoid — Very high default risk
🔬 Scoring Methodology & Parameter Weights
Credit Quality 30%
- GNPA % (lower = better)
- NNPA % (lower = better)
- Credit Rating (AAA→D)
- Provision Coverage Ratio
Capital Adequacy 20%
- CRAR % (RBI min: 9%)
- Tier 1 Capital %
- Net Worth (₹ Cr)
Profitability 20%
- Return on Assets (ROA %)
- Return on Equity (ROE %)
- Net Interest Margin (NIM %)
- PAT Growth YoY
Leverage & Coverage 15%
- Debt / Equity Ratio
- Interest Coverage Ratio
- Liabilities / Net Worth
Bond Characteristics 10%
- Security Type
- Coupon vs YTM Spread
- Maturity Period
- Listing Status
Market & Liquidity 5%
- Liquidity Level
- Spread over G-Sec (bps)
- Macaulay Duration
- Issuer Track Record