निम्नलिखित कथनों पर विचार कीजिए :
- 1.भारत में, साख़ क्षमता-निर्धारण एजेंसियाँ (क्रेडिट रेटिंग एजेंसीज़) भारतीय रिज़र्व बैंक द्वारा विनियमित होती हैं ।
- 2.ICRA नाम से जानी जाने वाली क्षमता-निर्धारण एजेंसी एक पब्लिक लिमिटेड कंपनी है ।
- 3.ब्रिकवर्क रेटिंग्स एक भारतीय साख़ क्षमता-निर्धारण एजेंसी है ।
उपर्युक्त कथनों में कौन-से सही हैं ?
Read this question in English
Consider the following statements:
1. In India, credit rating agencies are regulated by Reserve Bank of India.
2. The rating agency popularly known as ICRA is a public limited company.
3. Brickwork Ratings is an Indian credit rating agency.
Which of the statements given above are correct?
(a) 1 and 2 only · (b) 2 and 3 only · (c) 1 and 3 only · (d) 1, 2 and 3
उत्तर और व्याख्या · explanation in English
Answer: (b) केवल 2 और 3
SEBI, not the RBI, regulates credit rating agencies in India, so statement 1 is wrong. ICRA Limited and Brickwork Ratings India are both Indian agencies registered with SEBI, so statements 2 and 3 are correct.
- ✗ 1. Credit rating agencies are regulated by SEBI under the SEBI (Credit Rating Agencies) Regulations, 1999. The RBI only accredits agencies to rate bank loans and similar instruments under its own guidelines.
- ✓ 2. ICRA Limited is a public limited company, as its name under company law shows (a private company would be 'Pvt. Ltd.'); it is on SEBI's list of registered rating agencies.
- ✓ 3. Brickwork Ratings India Pvt. Ltd. is an Indian agency on SEBI's list of registered credit rating agencies, with its registered address in Bengaluru.
Remember · SEBI regulates credit rating agencies (CRA Regulations, 1999); the RBI merely accredits them for bank-loan ratings.
Sources
- SEBI, Frequently Asked Questions on Credit Rating Agencies (March 2026) ↗ “Credit ratings of securities that are listed, or proposed to be listed, on a recognized stock exchange, and other credit ratings that are required under various SEBI Regulations or circulars thereunder are regulated by SEBI.”
- SEBI, Names and registered addresses of Credit Rating Agencies ↗ “5. Brickwork Ratings India Pvt. Ltd. 3rd Floor, Raj Alkaa Park 29/3 & 32/2, Kalena Agrahara Bannerghatta Road, Bangalore … 3. ICRA Limited 1105, Kailash Building, 11th Floor 26, Kasturba Gandhi Marg New Delhi”
Question and answer: UPSC's official GS Paper I (2022, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). ·