Grading Process
CRISIL begins its evaluation process by reviewing the MFI's documentation. The team of analysts request a detailed list of information requirements from the MFI. Thereafter, a CRISIL team visits the MFI for two-four days of management meetings, and branch and field visits for on-site review. Chart illustrates the sequence of steps involved in the grading process. The duration of visit depends upon the size of the MFI, the geographical reach, number of lending models adopted and quality of reporting and information provided. The team interviews board members, senior management, line managers (branch managers and loan officers) and clients. The grading is assigned by CRISIL's Rating Committee.
