India's first AI-powered preparatory credit rating platform — built by finance and technology professionals
Democratising access to institutional-grade credit assessment for every Indian company
PreRatings was founded to solve a critical gap in the Indian credit ecosystem: companies, NBFCs, and financial institutions have no way to get an honest, confidential assessment of their credit standing before approaching a SEBI-registered Credit Rating Agency. The official process is high-stakes, public, and irreversible — yet companies go in blind. We change that.
Our AI engine models the same financial ratio frameworks, industry benchmarks, and rating committee criteria used by CRISIL, ICRA, India Ratings, and CARE. The difference: our ratings are confidential, fast (under 24 hours), and a fraction of the cost. Companies use PreRatings to prepare for the official process, challenge unfair ratings, or assess their credit profile privately.
PreRatings is a brand of Digital Ledger Solutions. Our team brings together former credit rating analysts, financial modellers, AI/ML engineers, and legal professionals — united by the belief that every company deserves to know where it stands before the world does.
Committed to financial literacy, SME enablement, and sustainable finance
Our flagship initiative provides free credit awareness workshops to MSME promoters and first-generation entrepreneurs across Tier-2 and Tier-3 cities. Over 2,000 entrepreneurs trained since 2025.
We offer complimentary preparatory ratings for renewable energy projects under 50MW and provide ESG integration guidance to SMEs transitioning to sustainable operations.
Collaborations with IIMs and leading business schools for credit market research, internship programmes, and guest lectures on fixed income markets and credit analysis.
Industry events, knowledge sessions, and thought leadership
A 90-minute panel discussion with former SEBI officials and rating agency veterans on the consultation paper's implications for corporate issuers.
Our flagship annual conference bringing together 500+ CFOs, treasurers, investors, and regulators for a full day of insights on corporate bond markets.
Deep-dive into financial ratio analysis, sector-specific credit assessment, and rating methodology. For finance professionals and MBA students.
We're building the future of credit assessment in India — and we're hiring
We are always looking for exceptional talent across credit analysis, AI/ML engineering, product management, business development, and research. If you're passionate about credit markets and technology, we'd love to hear from you.
Send Your CVEmail us at ratings@preratings.com