ICRA

Unlock your company's
Credit potential with us

Make informed decisions and maximize your global credit potential with the right insights

Global leader in credit rating, audit, and credit research.

ICRA RATING AGENCY LIMITED is one of the fastest-growing companies providing Credit Rating Services. With a presence across Europe, Africa, and Southeast Asia, we provide the information, tools, and expertise to help customers make confident decisions to mitigate any commercial risk. ICRA enables customers to quickly access objective customized information whenever and wherever they need it.

Our Mission

An agency that serves all business categories, from small and medium to large enterprises, is customer-centric, building relationships, enhancing business profiles, and helping to connect businesses globally.

Our Vision

ICRA's long-term vision is to become the most credible rating agency in the financial world, responding to the needs of organizations throughout Africa.

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Rating Benefits

Rating Benefits

Establish a positive reputation in the market as an entity that is financially stable and reliable.

Enable business expansion through access to capital for investment projects and other forms of expansion.

Prove financial health commitment and responsible financial management which can earn investors’ trust and creditworthiness.

Have a wider choice of financing options and terms that make it easy for you to manage your cash flow and capital structure.

Meet regulatory obligations easily since a good credit rating may be required for certain licenses or permits

Create opportunities for new business, such as joint ventures, alliances and partnering with other firms.

ICRA SCORECARD

ICRA SCORECARD serves as a comprehensive tool for assessing the initial risk profiles of both retail (individual customers) and corporate clients seeking credit and borrowing services. This scoring system is designed to cater to two distinct segments: Retail Customers and Corporate Customers.

Our Services

CREDIT RATING SERVICES

A CREDIT RATING is an independent assessment of a corporate entity’s or institution’s creditworthiness in general terms, helping any organization build a strong credit profile.

PORTFOLIO RATING SERVICES

A PORTFOLIO RATING is an evaluation assessment report that focuses deeply on the actual portfolio of banks or financial institutions. it involves a through evaluation of existing and potential risks and the mitigation of those risks.

INVESTORS SERVICES

An INVESTORS SERVICE is an evaluation and assessment report that is an essential aspect of the investment process. It allows investors to assess the effectiveness of their investment strategies by analyzing risk

ESG RATING
RATING

ESG stands for three letters environment, social, and governance. these are important non-financial criteria on which businesses are expected nowadays to perform well.

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Meet Our team members

Mr. Sahil

Sahil Bansal

Director / CEO

Javela Macalalad

Javela Macalalad

Director / COO

Our Achievements

APPROVALS AND CLEARANCES

AFFILIATIONS

Featured HIGHLIGHTS

Why Data Oriented Ratings Matter More Than Ever and role of ICRA
How a Credit Rating Opens Doors to Capital and Partnerships
Enhancing Internal Credit Ratings  Evaluation Using External Ratings
Tanzania’s Equity Market Hits TZS 19.09 Trillion: The Growing Relevance of Corporate Credit Ratings
Understanding How a Leading African Credit Rating Agency Evaluates Sovereign Risk
Top Factors that Impacts Corporate Credit Ratings in 2025
Choosing Best Credit Rating provider in Zambia
Factors Influencing Credit Rating Upgrades and Downgrades

Why Data Oriented Ratings Matter More Than Ever and role of ICRA Lenders, investors, and policymakers are regularly looking for reliable indicators to guide their decisions. While perspective may still

June 13, 2025

How a Credit Rating Opens Doors to Capital and Partnerships Access to capital remains one of the most crucial activators of business growth. Particularly in evolving markets where traditional lending

June 10, 2025

Enhancing Internal Credit Ratings Evaluation Using External Ratings There are many challenges in today’s financial market, which is why credit risk management has become more complex and data-oriented than ever

June 3, 2025

Tanzania’s Equity Market Hits TZS 19.09 Trillion: The Growing Relevance of Corporate Credit Ratings Tanzania’s equity market is experiencing a benchmark. According to the latest data from  DSE (Dar es

June 3, 2025

Understanding How a Leading African Credit Rating Agency Evaluates Sovereign Risk In today’s interconnected trade finance world, sovereign risk assessment has become a functional part of global and investment decision

May 29, 2025

Top Factors that Impacts Corporate Credit Ratings in 2025 The corporate world is under the microscope like never before. With markets more interconnected to each other, where regulations are more

May 21, 2025

Choosing Best Credit Rating provider in Zambia Choosing the best credit rating provider in Zambia may seem a bit complicated but if we have a list of all the factors

May 7, 2025

Factors Influencing Credit Rating Upgrades and Downgrades In the financial world,  the credit rating is a key indicator of its ability to meet debt obligations.. Issued by a reliable rating

May 5, 2025

Features PODCAST & VIDEOS

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