Credit Rating

byPaytm Editorial TeamLast Updated: December 12, 2025

Meaning & Definition

Credit rating measures the creditworthiness of an individual or organization. It indicates the likelihood of timely repayment of debt. Higher credit ratings reflect lower risk.

Key Features

  • Evaluates repayment ability
  • Helps lenders assess risk
  • Rated by agencies
  • Influences loan interest rates

Author

Paytm Editorial Team

The Paytm Editorial Team is a collaborative group of writers, editors, and industry experts. We're dedicated to bringing you the latest insights, news, and guides on digital payments, financial services, and the technology that's shaping India's economy. We offer easy-to-follow guides and insights to help you explore Paytm’s products, features, and services. Our goal is to provide clear, reliable, and helpful information to empower you on your financial journey.

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