Credit Rating Advisory
The full service across all 7 SEBI CRAs — every instrument and sector.
Explore credit rating advisory → Walk into your Acuité rating prepared — not hoping.
Acuité Rating Advisory
We prepare and manage your Acuité (SMERA) rating end to end — strong for SME and mid-market bank loan ratings — with agency liaison, the rating pack and a rehearsed management meeting. CA / ex-banker–led, and agency-agnostic across all 7 SEBI CRAs. ₹4,250 Cr+ mobilised across 100+ mandates since 2011.
SME & bank loan strengthCA / ex-banker ledAll 7 SEBI CRAs
A track record since 2011, in numbers
₹4,250 Cr+
Capital mobilised across sectors₹550 Cr
Largest single facility structured100+
Deals advised end to end7
SEBI CRAs we advise acrossSince 2011
CA / ex-banker, senior on every fileAcuité (formerly SMERA) originated in SME and bank-loan ratings and is widely used by mid-market borrowers, with competitive turnaround. We prepare you for Acuité — and tell you honestly whether it’s your best fit versus the other six SEBI agencies.
Is Acuité right for you?
When an Acuité rating is the strong choice
Acuité is often the cost-effective, quick-turnaround fit for SMEs, MSMEs and mid-market bank loan ratings — and SMEs may pair it with the subsidised NSIC scheme.
For a large public NCD targeting mutual funds and insurers — where the institutional floor is AA and lender familiarity with CRISIL/ICRA matters — another agency may serve you better. We help you weigh it. Compare in CRISIL vs ICRA vs CARE vs Acuité and which agency to choose.
What we own, end to end
Your Acuité rating, prepared and managed
From the first scoping call to the rating letter — and through surveillance — we run the process so the rating reflects your fundamentals.
01
Fit, product & subsidy check
Confirm Acuité is the right agency, the right product (BLR, SME or instrument rating), and whether you qualify for the NSIC subsidy.
02
Rating-pack preparation
Financials and operations presented the way Acuité analysts assess mid-market and SME borrowers — banking conduct, working capital, promoters.
03
Management-meeting readiness
We rehearse the promoter for the Acuité discussion — often the difference between a fair rating and a conservative one for a smaller company.
04
Process, queries & appeal
We coordinate data and timelines with Acuité through to the rating letter — and support an appeal where the rating undershoots.
05
Surveillance & INC protection
We manage your data submissions and surveillance so a healthy SME never gets force-downgraded into junk by accident.
06
Rating → finance
We turn the rating into better bank terms and working capital via corporate finance and supply chain finance.
Consultation
Find out what Acuité rating your fundamentals support
One conversation tells you whether Acuité is the right agency, the realistic rating, and what it would do to your borrowing cost. No pitch — a straight read from senior people who own numbers for a living.
Thank you — your enquiry has been submitted
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FAQ
Acuité rating advisory, answered
Acuité Ratings & Research (formerly SMERA) is a SEBI-registered, RBI-accredited agency with origins in SME and bank-loan ratings. It is widely used for SME/MSME ratings and mid-market bank loan ratings, and now offers full-scale corporate and instrument ratings as well.
Acuité is often a strong, cost-effective fit for SMEs and mid-market bank loan ratings, with competitive turnaround. For a large public NCD aimed at institutional investors you may want CRISIL or ICRA. We advise across all seven SEBI agencies and recommend the best fit for your profile before you commit.
Typically about 3–6 weeks from mandate to rating letter — often quicker for SME mandates — with fees a percentage of the rated amount plus a minimum fee and annual surveillance. SMEs may qualify for the subsidised NSIC scheme. See our guides to SME/MSME rating and credit rating cost in India.
Yes. We run a 12–24 month uplift programme and manage surveillance so the rating reflects your improving fundamentals — and protect against an “Issuer Not Cooperating” tag from missed data submissions.
A senior CA or ex-banker leads every mandate — you deal with the named partner directly, not a rotating bench of junior staff.
Further reading
Credit rating, explained in our Resources
SME ratings, agency comparison, and how to improve yours. For the full service, see credit rating advisory.