Overview: Credit Rating Simulator
“Get rated before the raters do – on your terms.”
Bankkeeping’s Credit Rating Simulator generates a shadow credit rating for your business-modelled on the same frameworks used by top credit rating agencies. It reveals where you stand today, what’s dragging your score, and how to improve it before it matters.
Ideal for businesses enjoying limits from banks or preparing for a new rating, rating upgrade, debt raise, or bank funding renegotiation
Why This Tool Matters
“Your rating decides your loan cost, bank confidence, and investor appeal. You deserve to know it first.”
 |
 Most businesses find out their credit rating only after it’s published
Our simulator gives you a confidential preview of your credit health—and shows you what to fix before you go to market. |
Core Modules
“Three lenses. One clear financial picture.”
Shadow Rating Engine
“Simulates agency-grade scoring.”
Uses RBI- and SEBI-aligned models based on:
- Financial strength (debt ratios, profitability, cash flow)
- Management quality & governance
- Industry risk and business stability
- Bank conduct history and compliance
Delivers a simulated score
Helps you benchmark before applying for a formal rating
Rating Score Breakdown
“See what’s building your score—and what’s breaking it.”
Detailed section-wise scoring breakdown:
- Financial indicators (e.g., DSCR, EBITDA margins)
- Non-financial indicators (e.g., promoter experience, compliance record)
Weighted score contribution (%) for each parameter
Comparison with benchmarks by industry & rating grade
Makes your score transparent, so you can act with precision
Risk Flags & Improvement Areas
“No guesswork—just actionable diagnosis.”
| Highlights specific red flags:
>High leverage >Low interest cover >Delays in compliance |
Suggests remedial actions:
>Improve DSCR by reducing EMI burden >Improve governance score via disclosures >Restructure WC cycle to boost cash flow >10% reduction in Inventory will lead to higher better Loan / Total NW |
Helps teams proactively plan for upgrades
Rating Impact Simulator
“What happens if you fix X?”
Change a variable (e.g., debt level, margin, capital infusion)
Simulate its impact on your overall credit rating
Use to build internal rating improvement plans or negotiate better terms
A powerful tool for CFOs preparing for external reviews
Step 1
Your financials are already uploaded on onboarding
Step 2
Short discussion with our Analyst team
Step 3
Receive a confidential shadow rating report with score, grade, and recommendations
✅ Fully private—this is NOT shared with any external agency
How It Works
“Better ratings, lower borrowing costs.”
No, we are just simulating your credit score. Our Rating Simulator is not a formal rating issued by agencies like CRISIL or ICRA. Instead, it’s an internal tool that mirrors how banks evaluate your business creditworthiness—using the same financial ratios and risk parameters that lenders and credit rating agencies typically follow. It helps you pre-assess your standing before approaching a bank or rating agency.
Very accurate. The simulator is built using rating models derived from actual banker guidelines, RBI frameworks, and agency evaluation methods. It considers over 100 + business, environmental, financial metrics, compliance behaviour, and industry risk scores to give you a realistic picture of where you stand—and what’s dragging you down. We have back tested it with publicly available credit rating reports and found it to be very accurate.
No, not unless you choose to share it. Your simulated credit rating stays completely private. It is designed for your internal planning, negotiations, or decision-making. The report shall also throw light on parameters; you need to work on to improve your rating. You can use it to improve your position before presenting your case to lenders.
Yes. That’s one of the most powerful features of the tool. You can even include details of your upcoming expansion and projects. It helps you test strategies and prepare a stronger case for loans, renewals, or expansions.