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Indian Road Sector; Trends & Outlook        Indian Commercial Vehicle Industry; Demand Trends Turning Favorable        Micro Units Development and Refinance Agency (MUDRA) Bank Dedicated Regulator and Refinancer –A Strong Positive for the Microfinance Sector        Government of India Budget 2015-16; Union Budget for 2015-16 focuses on Reviving Investment within Constraints Imposed by Limited Fiscal Space        Indian Two-Wheeler Industry; Scooters drive 2W sales volume growth even as motorcycle segment performance remains sluggish        Fourteenth Finance Commission; Sharp increase in share of State Governments in Central taxes recommended by Fourteenth Finance Commission a step towards greater fiscal federalism        Infrastructure Finance Companies; Update for H1 FY2014-15; Performance Review of Infrastructure Finance Companies and Industry Outlook        ICRA Limited Conference Call transcript on Trends and Sector Outlook for the Indian Hotel Industry        Economic Outlook and Macro Trends; Moderation in inflation to support additional Repo cuts of 50 bps in 2015; current account expected to post a surplus in Q4FY15        ICRA - Discussion on Trends and Sector Outlook for the Tractor Industry Conference Call       
 
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Indian Road Sector; Trends & Outlook
Indian Commercial Vehicle Industry; Demand Trends Turning Favorable
Micro Units Development and Refinance Agency (MUDRA) Bank Dedicated Regulator and Refinancer –A Strong Positive for the Microfinance Sector
Government of India Budget 2015-16; Union Budget for 2015-16 focuses on Reviving Investment within Constraints Imposed by Limited Fiscal Space
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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.

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