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UNO Minda Limited Capital/Financing Update 2025

Jul 4, 2025

61248_rns_2025-07-04_cdc4aa40-21de-4623-8780-9cf55ec322a9.pdf

Capital/Financing Update

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TARUN Digitally signed by TARUN KUMAR KUMAR SRIVASTAVA Date: 2025.07.04 SRIVASTAVA 17:23:15 +05'30'

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July 04, 2025

Uno Minda Limited: Ratings reaffirmed; assigned for enhanced bank lines and commercial paper programme; assigned for proposed non-convertible debentures Summary of rating action

Instrument* Previous rated amount
(Rs. crore)
Current rated amount
(Rs. crore)
Rating action
Long-term - Term loan 234.00 569.00 [ICRA]AA+ (Stable); reaffirmed and
assigned for enhanced limits
Long-term/short-term –Fund-
based/non-fund based limits
460.00 573.00 [ICRA]AA+ (Stable)/[ICRA]A1+;
reaffirmed and assigned for
enhanced limits
Short-term- Non-fund based
facilities
290.00 290.00 [ICRA]A1+; reaffirmed
Long-term/Short-term -
Unallocated limits
- 68.00 [ICRA]AA+ (Stable)/[ICRA]A1+;
assigned
Short-term- Commercial paper
programme
200.00 300.00 [ICRA]A1+; reaffirmed and assigned
for enhanced limits
NCD programme 400.00 400.00 [ICRA]AA+ (Stable); reaffirmed
NCD programme - 200.00 [ICRA]AA+ (Stable); assigned
Total 1,584.00 2,400.00

*Instrument details are provided in Annexure I

Rationale

The rating action for Uno Minda Limited (UML) continues to factor in the steady operational performance of the company, aided by its established market position in the Indian automotive component sector, well-diversified business profile with presence across automotive and product segments, and strong technological collaborations that enhance its business prospects. UML has grown its revenues consistently (21% CAGR over FY2021-FY2025) while maintaining steady profitability, aided by an expanding product portfolio, as well as new orders secured across product categories and original equipment manufacturers (OEMs). Overall, the company’s strategy of diversifying its presence across multiple products and automotive segments, and its endeavour to expand its product portfolio, both organically and inorganically, have helped it strengthen its business profile and outpace the industry growth. The same provides comfort regarding UML’s ability to generate healthy cash flows, going forward, which should help it maintain strong return and debt coverage metrics.

The ratings continue to favourably factor in the company’s healthy financial risk profile as characterised by its consistently comfortable leverage metrics, even as it continues to pursue growth opportunities. UML has maintained a comfortable capital structure and healthy credit metrics (Total Debt to total net worth of 0.4 times and Total Debt to OPBITDA of 1.3 times at the end of FY2025), with timely raising of funds through the equity route. The infusions have helped UML comfortably meet its cash outflow requirements for the group consolidation exercise, inorganic investments as well as capacity expansion, while keeping its dependence on external borrowings at comfortable levels.

UML continues to invest regularly in capacity expansion, both in existing product lines, as well as expansion into new product segments, to strengthen its business prospects. In FY2025, the company announced a TLA (Technical Lease Agreement) with Hyundai Mobis for the manufacturing of speakers using Hyundai Mobis’ proprietary technology. The company intends to strengthen its acoustics portfolio and enhance its positioning as a complete infotainment solution provider. The move will further enable expansion of kit value with OEMs like Hyundai Motors and Kia Motors. The company also announced a joint venture (JV) with Suzhou Inovance Automotive (China) (via Inovance’s subsidiary in Hong Kong), for manufacturing charging control unit (CCU), electric vehicle (EV) inverter, EV motors and next-generation 6-in-1 electric drive systems (e-Axle). Apart

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from EV specific projects, UML continues to have ongoing capacity expansion plans (across various product segments such as alloy wheels, lighting and switches) resulting in elevated capex of Rs. 1,500-1,600 crore for FY2026 (including outlay towards purchase of land). Despite the substantial capex plans, an expectation of healthy cash accruals is expected to keep leverage in check (Total Debt/OPBDITA expected to range at levels of 1.0-1.3 times over the medium term) and help the company report strong debt coverage indicators. Additionally, the bulk of the capex initiatives are backed by confirmed orders from customers, which should enable a quick ramp-up in capacity utilisation for these new facilities. Even as the company remains exposed to vagaries of demand in the automotive market, its strong market position across various automotive segments mitigates the risk to an extent.

The company has been purchasing land parcels recently to set up new plants going forward, given the expectations of healthy growth in demand across various automotive segments. The same has been funded through a mix of internal accruals and long term debt raised at competitive rates. ICRA notes that the company faces risk of acceleration in debt repayment in case there is a breach of financial and/or rating-linked covenants and is not able to get waivers from the lenders/ investors in a timely manner. However, the company’s established track record of healthy performance and maintaining financial discipline provides comfort.

The Stable outlook on the long-term rating reflects ICRA’s expectations that UML’s credit profile will remain healthy over the medium term. The company is expected to continue to maintain its leadership position in key product segments, and further strengthen its business profile, going forward, as supplies ramp-up further on newly commissioned plants.

Key rating drivers and their description

Credit strengths

Diversified business profile across segments, customers and products – UML’s business profile is well diversified, with presence across multiple automotive and product segments, catering to a wide portfolio of automotive OEMs. About 25% of the consolidated revenues were derived from automotive switches in FY2025, ~23% from lighting, ~19% from casting, 7% from seatings, and ~5% from acoustics. The rest of the revenues (21% of revenues in FY2025) is driven by products like blowmoulded components, batteries, EV specific components (BMS, on board and off board chargers DC-DC Converters) Controllers, Sensors, ADAS, Alternate Fuel Systems, etc.., through multiple JVs. In terms of the automotive segments, 2Ws and three-wheelers (3Ws) account for ~47% of revenues, while four-wheelers (4Ws; primarily PVs) account for 47% and CV accounted for 4% and others accounted for 2% in FY2025. The company’s customer exposure is also diversified with its largest customer, Maruti Suzuki India Limited (MSIL), accounting for ~18% of its consolidated revenues in FY2025. Geographically, it derives 89% of its revenues from the domestic market and the rest from international operations. The diversified business profile helps UML mitigate the impact of any downturn in demand from specific product segments/ customers, while providing healthy revenue visibility.

Established market position in most product segments – UML is the largest automotive switch, PV alloy wheel manufacturer, and the second-largest player in automotive seating and lighting in the domestic market. Together, these five product segments accounted for ~79% of the company’s consolidated revenues in FY2025. In other product segments as well, UML enjoys a leadership position in the domestic market through its subsidiaries/JVs. A strong market position of the company provides healthy revenue visibility, going forward.

Technological capabilities and business prospects supported by collaborations with global automotive component suppliers;

product portfolio expanded for transition towards e-mobility – UML has focused on expanding into new product segments and improving its technological capabilities by entering JVs and technical collaborations with foreign players. These collaborations have helped UML expand its product portfolio and content per vehicle with OEMs. Over the years, Uno Minda has also built strong in-house research and development (R&D) capabilities with more than 30 R&D and engineering centres globally. Its principal R&D centre called CREAT (Center for Research, Engineering and Advance Technologies) works on new technologies, enhancing the existing product line. In FY2022, the company entered a TLA JV with FRIWO AG, a German company manufacturing digitally controllable power supply units and drive solutions ( complete JV stake has been purchased BY UML as of July 2025), and Buehler Motor GmbH (Buehler) to develop, manufacture and market traction motors in India and

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other SAARC nations. In FY2024, the company entered a TLA with StarCharge Energy pte. ltd. (Singapore) for manufacturing EV supply equipment such as wallmounted chargers and storage. During FY2025, the company announced a JV and TLA with Suzhou Inovance Automotive Co. Ltd. (China) for the production and distribution of specific high-voltage category electric vehicle products for passenger and commercial vehicles in India, a TLA with Aisin (Japan) for the development and manufacture of sunroofs for PV segment in India and further a TLA with Hyundai Mobis for automotive speakers. These JVs are expected to substantially increase UML’s presence in the EV industry. Over the years, the company has filed 444 patents and has 463 registered designs, which underscore the company’s R&D prowess.

Healthy financial risk profile characterised by a conservative capital structure and strong debt coverage indicators – Over the years, UML has focused on maintaining a healthy financial risk profile, characterised by low leveraging and strong debt coverage indicators. Despite sizeable investments undertaken for organic and inorganic growth, as well as Group consolidation, the company has maintained its consolidated gearing in the range of 0.3-0.5 times over the past five years. The same has been supported to some extent by the prudent financial management over the years, with equity infusion in the form of qualified investor placement (QIP) and rights issuance during periods of large investments as a conscious measure to limit the leveraging. Notably, during the pandemic in FY2021 and FY2022, the company raised ~Rs. 940 crore through equity issuance (~Rs. 240 crore of rights issue and ~Rs. 700 crore of QIP) to strengthen its balance sheet and financial risk profile. ICRA expects the company’s debt levels to increase in the near term, driven by growth capex that may be partially debt funded. Nevertheless, the same will be offset by growth in revenues and cash flows. Consequently, the leverage indicators are expected to remain range-bound with Total Debt/OPBDITA of 1-1.3 times leading to strong debt coverage metrics.

Credit challenges

Susceptible to inherent cyclicality of automotive industry – As UML derives most of its revenues (89% in FY2025) from the domestic automotive market, its earnings remain susceptible to the inherent cyclicality of the market. Amid multiple headwinds that the automotive industry faced over the past few years (Covid-related lockdowns, inflationary pressure, etc.), UML’s performance mirrored the underlying trends of the automotive industry to an extent. However, aided by its continuous business development initiatives, UML was able to largely outperform the industry growth. The company’s operating income grew by ~20% in FY2025 on a YoY basis, higher than the broader automotive industry growth.

Ongoing capex plans to constrain improvement in return indicators – Over the years, UML has undertaken sizeable debtfunded capex to enhance its capacities for various products. It continues to have capacity expansion plans for multiple segments with a total capex outlay of Rs. 1,500-1,600 crore announced for FY2026 (including outlay towards purchase of land parcels). The projects may require funding support from UML over the medium term towards capex requirements, or any shortfall in operational cash flows till the operations scale-up to sustainable levels. Despite the substantial capex plans, the company’s track record of prudently raising equity capital to manage its overall leverage provides comfort. Further, the bulk of the capex initiatives are backed by tied-up orders from customers, which should enable a quick ramp-up in capacity utilisation for these new facilities.

Environmental and social risks

Environmental considerations: Even as UML is not directly exposed to climate transition risks stemming from a likelihood of tightening emission control requirements, with a bulk of its product portfolio being used across different fuel powertrains, its automotive manufacturing customers remain highly exposed to the same; accordingly, UML’s prospects remain linked to the ability of its customers to meet tightening emission requirements. The company may need to invest materially to develop products to cater to electric vehicles, even as a transition towards the same in the segments catered is likely to be only gradual.

Social considerations: UML, like most automotive component suppliers, has a healthy dependence on human capital. Hence, retaining human capital, maintaining healthy employee relations as well as supplier ecosystem remain essential for disruptionfree operations for the entity. Another social risk that UML faces pertains to product safety and quality, wherein instances of product recalls and high warranty costs may not only lead to a financial implication but could also harm the reputation and create a more long-lasting adverse impact.

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Liquidity position: Adequate

The company’s liquidity position remains adequate , supported by expectations of healthy cash flow generation (cash flow from operations of ~Rs. 986 crore in FY2025), consolidated cash balances of ~Rs. 198 crore (as on March 31, 2025) and unutilised working capital limits (~Rs. 224 crore as on March 31, 2025, on a standalone basis). This is likely to remain more than adequate to help service the Group’s repayment obligations of ~Rs. 363 crore in relation to long-term external borrowings and capex plans of ~Rs. 1,500-1,600 crore (including land purchases for future expansion). In addition, the Group’s strong financial flexibility and proven ability to access the capital markets provide further comfort.

Rating sensitivities

Positive factors – Over the medium term, the company’s ability to demonstrate significant improvement in scale of operations and return indicators on a sustained basis, while maintaining a healthy financial risk profile, would be factored in favourably for a rating improvement.

Negative factors Significant debt-funded capex or investments, including inorganic, which result in a sustained weakening of key credit metrics, such as Total Debt/OPBDITA above 1.5x, could trigger a negative rating action.

Analytical approach

Analytical approach Comments
Applicable rating methodologies Corporate Credit Rating Methodology
Auto Components
Parent/Group support Not applicable
For arriving at the ratings, ICRA has considered the consolidated financials of UML. As on
Consolidation/Standalone March 31, 2025, the company had 36 subsidiaries, 4 associates, and 12 JVs, which are all
enlisted in Annexure-2.

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About the company

Uno Minda Limited (erstwhile Minda Industries Limited; changed w.e.f. July 14, 2022), the flagship company of the Uno Minda Group, is one of the most diversified auto component manufacturers in India with a presence across multiple product segments, including automotive switches, lighting, acoustics, alloy wheel and die-casting, and seatings, among others. The company enjoys market leadership across products and is the largest supplier of switches for PVs and 2Ws as well as for automotive horns in India. Besides, it is the largest manufacturer of PV alloy wheels by capacity. Additionally, UML is the second-largest player for automotive lighting products and a leading player in the automotive seating space for commercial vehicles, tractors and 2Ws. It also enjoys a leading position in other product segments such as Alternate Fuel systems, e-2W Specific components, through its subsidiaries/JVs.

Over the years, UML scaled-up substantially and diversified its business profile through acquisitions, increase in greenfield projects, and consolidation of Group companies (in the auto component business). The company has also set up multiple JVs with global automotive majors, which have helped it expand its product portfolio (besides strengthening its content per vehicle) with OEMs as well as gain technological knowhow over the years.

Key financial indicators (audited)

UML (Consolidated) FY2024 FY2025*
Operating income 14,030.9 16,774.6
PAT 739.3 840.3
OPBDIT/OI 11.3% 11.2%
PAT/OI 5.3% 5.0%
Total outside liabilities/Tangible net worth (times) 0.9 0.9
Total debt/OPBDIT (times) 1.1 1.3
Interest coverage (times) 14.0 11.0

Source: Company, ICRA Research; All ratios as per ICRA’s calculations; Amounts in Rs. crore; *Limited results; PAT: Profit after tax; OPBDIT: Operating profit before depreciation, interest, taxes and amortisation

Status of non-cooperation with previous CRA: Not applicable

Any other information: None

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Rating history for past three years

Current (FY2026)
Chronology of rating history for the past 3 years
FY2026
FY2025
FY2024
FY2023
Instrument Type
Amount
rated
(Rs. crore)
Date
Rating
Date
Rating
Date
Rating
Date
Rating
Term Loan Long-Term
569.00
July 03,
2025
[ICRA]AA+
(Stable)
Apr 2,
2024
[ICRA]AA+
(Stable)
Aug 31,
2023
[ICRA]AA+
(Stable)
Aug 30,
2022
[ICRA]AA+
(Stable)
Sep 17,
2024
[ICRA]AA+
(Stable)
Sep 18,
2023
[ICRA]AA+
(Stable)
-
-
Sep 30,
2024
[ICRA]AA+
(Stable)
-
-
-
-
Oct 29,
2024
[ICRA]AA+
(Stable)
-
-
-
-
Cash credit Long-Term
-
-
-
-
-
Aug 31,
2023
[ICRA]AA+
(Stable)
Aug 30,
2022
[ICRA]AA+
(Stable)
-
-
Sep 18,
2023
[ICRA]AA+
(Stable)
-
-
Fund-
based/non-
fund based
limits
Long-
Term/Short-
Term
573.00
July 03,
2025
[ICRA]AA+
(Stable)/
[ICRA]A1+
Apr 2,
2024
[ICRA]AA+
(Stable)/
[ICRA]A1+
-
-
-
-
Sep 17,
2024
[ICRA]AA+
(Stable)/
[ICRA]A1+
-
-
-
-
Sep 30,
2024
[ICRA]AA+
(Stable)/
[ICRA]A1+
-
-
-
-
Oct 29,
2024
[ICRA]AA+
(Stable)/
[ICRA]A1+
-
-
-
-
Non Fund
Based Facilities
Short-Term
290.00
July 03,
2025
[ICRA]A1+
Apr 2,
2024
[ICRA]A1+Aug 31,
2023
[ICRA]A1+Aug 30,
2022
[ICRA]A1+
Sep 17,
2024
[ICRA]A1+Sep 18,
2023
[ICRA]A1+
Sep 30,
2024
[ICRA]A1+
Oct 29,
2024
[ICRA]A1+
Unallocated
Limits
Long-
Term/Short-
Term
68.00
July 03,
2025
[ICRA]AA+
(Stable)/
[ICRA]A1+
Apr 2,
2024
[ICRA]AA+
(Stable)/
[ICRA]A1+
Aug 31,
2023
[ICRA]AA+
(Stable)/
[ICRA]A1+
Aug 30,
2022
[ICRA]AA+
(Stable)/
[ICRA]A1+
Sep 17,
2024
[ICRA]AA+
(Stable)/
[ICRA]A1+
Sep 18,
2023
[ICRA]AA+
(Stable)/
[ICRA]A1+
Sep 30,
2024
-
Oct 29,
2024
-
Commercial
Paper
Programme
Short-Term
300.00
July 03,
2025
[ICRA]A1+
Apr 2,
2024
[ICRA]A1+Aug 31,
2023
[ICRA]A1+Aug 30,
2022
[ICRA]A1+
Sep 17,
2024
[ICRA]A1+Sep 18,
2023
[ICRA]A1+

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Sep 30,
2024
[ICRA]A1+
Oct 29,
2024
[ICRA]A1+
NCD
programme
Long-Term 600.00 July 03,
2025
[ICRA]AA+
(Stable)
Apr 2,
2024
[ICRA]AA+
(Stable)
Aug 31,
2023
[ICRA]AA+
(Stable)
- -
Sep 17, [ICRA]AA+ Sep 18, [ICRA]AA+
2024 (Stable) 2023 (Stable)
Sep 30, [ICRA]AA+
2024 (Stable)
Oct 29, [ICRA]AA+
2024 (Stable)

Complexity level of the rated instruments

Instrument Complexity indicator
Long term- Term Loan Simple
Long-term/ Short-term –Fund-based/non-fund based limits Simple
Short Term- Non Fund Based Facilities Very Simple
Long term/ Short term- Unallocated Limits Not Applicable
Short Term- Commercial Paper Programme Very Simple
NCD programme Simple

The Complexity Indicator refers to the ease with which the returns associated with the rated instrument could be estimated. It does not indicate the risk related to the timely payments on the instrument, which is rather indicated by the instrument's credit rating. It also does not indicate the complexity associated with analysing an entity's financial, business, industry risks or complexity related to the structural, transactional or legal aspects. Details on the complexity levels of the instruments are available on ICRA’s website: Click here

Annexure I: Instrument details

ISIN Instrument
name
Date of issuance Coupon
rate

Date of
Maturity
Amount
rated
(Rs. crore)
Current rating and outlook
NA Term Loan-I FY2023 NA FY2028 60.00 [ICRA]AA+ (Stable)
NA Term Loan-II
FY2023
NA FY2028 144.00 [ICRA]AA+ (Stable)
NA Term Loan-
III
FY2025 NA FY2030 365.00 [ICRA]AA+ (Stable)
Fund-
NA based/non-
fund based
NA NA NA 573.00 [ICRA]AA+ (Stable)/
[ICRA]A1+
limits
Non Fund
NA Based NA NA NA 290.00 [ICRA]A1+
Facilities
NA Unallocated
Limits
NA NA NA 68.00 [ICRA]AA+ (Stable)/
[ICRA]A1+
INE405E14224
Commercial
Paper
April 17, 2025 6.63% July 16, 2025 100.00 [ICRA]A1+
INE405E14232
Commercial
Paper
April 25, 2025 6.63% July 23, 2025 100.00 [ICRA]A1+
NA* Commercial
Paper
NA NA NA 100.00* [ICRA]A1+
INE405E08010
NCD
April 29, 2024 7.85% April 29, 2027 100.00 [ICRA]AA+ (Stable)

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programme
INE405E08036
NCD
programme
August 06, 2024 7.85% February 26,
2027
50.00 [ICRA]AA+ (Stable)
INE405E08028
NCD
programme
August 06, 2024 7.88% August 06,
2027
100.00 [ICRA]AA+ (Stable)
INE405E08044
NCD
programme
January 03, 2025 7.75% December 24,
2026
100.00 [ICRA]AA+ (Stable)
INE405E08051
NCD
programme
January 03, 2025 7.75% January 04,
2027
50.00 [ICRA]AA+ (Stable)
NA* NCD
programme
NA NA NA 200.00* [ICRA]AA+ (Stable)

Source: Company; *Yet to be placed

- Please click here to view details of lender wise facilities rated by ICRA

Annexure II: List of entities considered for consolidated analysis

Company Name UML Ownership
Consolidation Approach
Uno Minda Kyoraku Limited 67.68% Full Consolidation
YA Auto Industries 87.50% Full Consolidation
Auto Component 95.00% Full Consolidation
Samaira Engineering 87.50% Full Consolidation
SM Auto Industries 87.50% Full Consolidation
Minda Storage Batteries Private Limited 100.00% Full Consolidation
Yogendra Engineering 55.89% Full Consolidation
Uno Minda Katolec Electronics Services Private Limited 51.00% Full Consolidation
Uno Mindarika Private Limited 51.00% Full Consolidation
MI Torica India Private Limited 60.00% Full Consolidation
MITIL Polymer Private Limited 60.00% Full Consolidation
Uno Minda EV Systems Private Limited 50.10% Full Consolidation
Uno Minda Auto Systems Private Limited 100.00% Full Consolidation
Uno Minda Tachi-S Seating Private Limited 51.00% Full Consolidation
Uno Minda Buehler Motor Private Limited 50.10% Full Consolidation
Uno Minda Auto Technologies Private Limited 100.00% Full Consolidation
Uno Minda Auto Innovations Private Limited 100.00% Full Consolidation
Global Mazinkert S. L. (Spain) 100.00% Full Consolidation
Clarton Horn (Spain) 100.00% Full Consolidation
Light & Systems Technical Centre, S.L. (Spain) 100.00% Full Consolidation
Clarton Horn, Signalkoustic (Germany) 100.00% Full Consolidation
Clarton Horn (Mexico) 100.00% Full Consolidation
PT Minda Asean Automotive (Indonesia) 100.00% Full Consolidation
PT Minda Trading (Indonesia) 100.00% Full Consolidation
SAM Global Pte. Ltd (Singapore) 100.00% Full Consolidation
Minda Industries Vietnam Company Limited (Vietnam) 100.00% Full Consolidation
Minda Korea Co Ltd (Korea) 100.00% Full Consolidation
Uno Minda Spare Parts and Components Trading LLC (Dubai) 100.00% Full Consolidation
UNO Minda Europe GMBH (formerly Minda Delvis GmbH) (Germany) 100.00% Full Consolidation

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CREAT GmbH (Germany) 100.00% Full Consolidation
Uno Minda Systems GmbH (formerly Delvis Products) (Germany) 100.00% Full Consolidation
Minda Onkyo India Private Limited 80.00% Full Consolidation
Minda Westport Technologies Limited 76.00% Full Consolidation
Minda Nabtesco Automotive Pvt. Ltd. 49.00% Equity Method
Rinder Riduco, S.A.S. Colombia (USA) 50.00% Equity Method
Roki Minda Co. Private Limited 49.00% Equity Method
Minda TTE DAPS Private Limited 50.00% Equity Method
Denso Ten Uno Minda India Private Limited 49.00% Equity Method
Uno Minda D- Ten India Private Limited 51.00% Equity Method
Toyoda Gosei Minda India Private Limited 47.93% Equity Method
Tokai Rika Minda India Private Limited 30.00% Equity Method
Strongsun Renewables Private Limited 28.10% Equity Method
CSE Dakshina Solar Private Limited 27.71% Equity Method

Source: Company results; Note: ICRA has factored in consolidated financials of UML while assigning the ratings.

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ANALYST CONTACTS

Jitin Makkar +91 0124 4545 368 [email protected]

Srikumar Krishnamurthy +91 44 4596 4318 [email protected]

Rohan Kanwar Gupta +91 124 4545 808 [email protected]

Akshit Goel +91 124 4545 857 [email protected]

RELATIONSHIP CONTACT

L. Shivakumar

+91 22 6114 3406 [email protected]

MEDIA AND PUBLIC RELATIONS CONTACT

Ms. Naznin Prodhani

Tel: +91 124 4545 860 [email protected]

HELPLINE FOR BUSINESS QUERIES

+91-9354738909 (open Monday to Friday, from 9:30 am to 6 pm)

[email protected]

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Contents may be used freely with due acknowledgement to ICRA.

ICRA ratings should not be treated as recommendation to buy, sell or hold the rated debt instruments. ICRA ratings are subject to a process of surveillance, which may lead to revision in ratings. An ICRA rating is a symbolic indicator of ICRA’s current opinion on the relative capability of the issuer concerned to timely service debts and obligations, with reference to the instrument rated. Please visit our website www.icra.in or contact any ICRA office for the latest information on ICRA ratings outstanding. All information contained herein has been obtained by ICRA from sources believed by it to be accurate and reliable, including the rated issuer. ICRA however has not conducted any audit of the rated issuer or of the information provided by it. While reasonable care has been taken to ensure that the information herein is true, such information is provided ‘as is’ without any warranty of any kind, and ICRA in particular, makes no representation or warranty, express or implied, as to the accuracy, timeliness or completeness of any such information. Also, ICRA or any of its group companies may have provided services other than rating to the issuer rated. All information contained herein must be construed solely as statements of opinion, and ICRA shall not be liable for any losses incurred by users from any use of this publication or its contents.

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