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Indian Banking Sector; Performance Update and Outlook; GoI’s initiatives Credit Positive over medium Term, Asset quality challenges remain elevated        Indian Road Sector; Execution shows early signs of pickup; resolution of non-moving projects and strong awards pipeline likely to support execution; hybrid annuity model expected to improve private sector participation        Replacement demand and improving fleet operators’ viability driving MHCV sales        Indian Fertiliser & Agri-Inputs Sector; August 2015        Economic Outlook and Macro Trends; “Nascent Indian economic recovery emerges amidst overhang of unfavourable monsoon, global uncertainty”        Indian Banking Sector; Licensing of Payments Banks        Indian Auto Component Industry; Cost dynamics yet to play out fully; Soft commodity prices to create more value during 2015-16        Indian Automobile Industry; Rural slowdown impact visible in auto sales; Demand for Two Wheelers & Tractors continues to be subdued        Seeds Industry; Improving SSR along with adoption of hybrid varieties to drive growth of the Indian Seed Industry; though investments in R&D and working capital necessitate funding support        Wholesale Price Index July 2015; Pace of disinflation of WPI deepens to 4.1% in July 2015, with food prices belying seasonal trends       
 
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Indian Road Sector; Execution shows early signs of pickup; resolution of non-moving projects and strong awards pipeline likely to support execution; hybrid annuity model expected to improve private sector participation
Indian Banking Sector; Performance Update and Outlook; GoI’s initiatives Credit Positive over medium Term, Asset quality challenges remain elevated
Replacement demand and improving fleet operators’ viability driving MHCV sales
Economic Outlook and Macro Trends; “Nascent Indian economic recovery emerges amidst overhang of unfavourable monsoon, global uncertainty”
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INSURANCE SECTOR RATING

ICRA’s Claims Paying Ability Ratings (CPRs) for insurance companies are ICRA’s opinion on the ability of the insurers concerned to honour policyholder claims and obligations on time. In other words, a CPR is ICRA’s opinion on the financial strength of the insurer, from a policyholder’s perspective. Following deregulation, a paradigm shift is expected in the domestic insurance sector as newer players and products enter the market. Given this scenario, ICRA expects its CPRs to be an important input influencing the consumer’s choice of insurance companies and products. ICRA’s Rating process involves analysis of an insurer’s business fundamentals and its competitive position, and focuses primarily on the insurer’s franchise value, its management, organisational structure/ownership, and underwriting and investment strategies. Besides, the analysis includes assessment of an insurance company’s profitability, liquidity, operating and financial leverage, capital adequacy, and asset/liability management method.