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Indian Spinning Industry; Ability to mantain capacity utilization and contribution margin to be a challenge for the spinning industry amid declining yarn exports        Indian Auto Components Industry;Improved revenue traction and focus on cost curtailment to support margins in FY 2015        Indian Construction Sector; On road to gradual recovery, pressures expected to continue over short term        Power Sector: In spite of some improvements, distribution loss level still remain high across many states; with all India average aggregate technical & commercial (AT&C) loss at 27%        Report on Banking Statistics; Key financial and operational statistics of the Indian banking sector extracted from ICRA’s databases, presented in a format convenient to read and understand        Indian Mortgage Finance Market :Updated for Q1, 2014-15        Impact Analysis of Gas Price Hike        Indian Retail Non Banking Finance Market: Marginal improvement in growth likely; stabilization of asset quality pressures expected only in the second half        New Gas Pricing Policy, Diesel deregulation, Policy framework for upstream, re-launch of DBTS: Credit positives for Indian oil & gas sector        Indian Tractor Industry: Trends & Outlook; Industry growth falters, as rainfall imbalance dampens sentiments       
 
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Indian Auto Components Industry;Improved revenue traction and focus on cost curtailment to support margins in FY 2015
Indian Construction Sector; On road to gradual recovery, pressures expected to continue over short term
Indian Hotel industry; Update on changes to Visa regime
Indian Spinning Industry; Ability to mantain capacity utilization and contribution margin to be a challenge for the spinning industry amid declining yarn exports
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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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