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A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11Use the Credit Risk-o-Meter as a starting point, not a buy-or-pass decision. It compresses the credit risk of a particular debt security into a six-level, colour-coded display based on ratings from SEBI-registered credit rating agencies (CRAs). Before investing through an Online Bond Platform Provider (OBPP), read the underlying rating and CRA name, check whether the instrument is secured, examine its maturity and repayment structure, and review market, liquidity and special structural risks in the security documents.
The most important exception is an unsecured perpetual or Additional Tier 1 (AT1) bond: SEBI says the meter does not reflect these instruments’ unique structural risks, and they can carry total-loss risk. A low-looking credit-risk level therefore cannot establish that a bond is safe, liquid or suitable for you.
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What the Credit Risk-o-Meter actually tells you
SEBI’s framework is designed to make credit risk easier to see when debt securities are offered through OBPPs. The meter represents the credit risk associated with the specific security, using the rating symbols assigned by SEBI-registered CRAs. It maps long- and short-term rating symbols into six colour-coded risk levels, ranging from “Lowest credit risk” to “High to Very high risk of Default.” The rating scale runs from AAA at the lowest-risk end through D at the highest-risk end.
That visual is a translation of a CRA opinion; it is not an independent safety assessment. SEBI’s prescribed warning states: “The Credit risk-o-meter is based on evaluation of the credit risk of the issuer and does not constitute investment advice or a recommendation to invest.” The same disclosure keeps market and liquidity risks in view. A bond can therefore show a comparatively low credit-risk level and still be difficult to sell, lose market value when interest rates move, or have contractual features that change how and when you are paid.
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Where you should see it
The meter is required in the offer document, abridged prospectus, private placement memorandum, issuer or OBPP advertisements, and on the OBPP’s web and mobile platforms. On a platform, it should appear on the bond listing and detail page before the buttons used to begin an investment. Treat a missing meter, a meter without the CRA name and rating text, or a display that appears only after you have started an order as a reason to pause and verify the security elsewhere.
Read the rating behind the colour
Identify the CRA and the exact symbol
Look below or beside the graphic for the CRA’s name and the actual rating symbol. The agency matters because the meter is derived from that agency’s rating methodology and current opinion. The symbol matters because two bonds that appear in a similar visual band may have different ratings, outlook information or security-specific details in their documents.
Do not paraphrase a rating as a promise that the issuer will repay. A rating is an assessment of credit risk, not a forecast of your return, a guarantee by SEBI, or a statement that the price will remain stable. Record the rating symbol, the CRA, the date shown on the platform and the date of the latest rating document before comparing securities.
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Handle multiple ratings correctly
A debt security may have ratings from more than one CRA. Under the framework, the meter must use the lowest rating. Other ratings may be displayed alongside it. This prevents a platform from presenting the most favourable agency opinion as the headline risk level, but it also means the single colour does not show the full extent of disagreement.
Read every disclosed rating and look for the reasons given for differences. A lower rating may reflect weaker expected recovery, subordination, a different view of the issuer’s finances or a feature of the particular instrument. The meter is deliberately conservative in this situation; your analysis should be more detailed than the graphic.
Follow the security’s legal terms, not just the issuer label
The same issuer can offer bonds with materially different risk because the contracts differ. Open the offer document, abridged prospectus or private placement memorandum for the exact ISIN and issue you are considering. These documents, rather than the meter, establish what you own and what happens after a missed payment, restructuring or default.
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Check whether the instrument is secured
SEBI requires an unsecured instrument to be labelled “unsecured” in bold red text. Confirm that label on the platform and in the documents. Then read what the issuer has promised about security, collateral, ranking and enforcement. “Secured” does not mean recovery is certain: the value, priority and enforceability of collateral depend on the contract and on what happens in a resolution or liquidation. Conversely, an unsecured bond does not have a pledged asset that can provide a separate recovery route.
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Find the sections describing ranking, seniority and subordination. A senior secured claim, a senior unsecured claim, a subordinated bond and an AT1 instrument can all have different positions in the same issuer’s capital structure. Note whether interest can be deferred or cancelled, whether principal can be written down, and whether other creditors are paid first. Do not infer any of these terms from the colour level.
Confirm maturity, coupon and repayment mechanics
Record the stated maturity, coupon rate, payment frequency, face value, redemption amount and any amortisation schedule. Check whether repayment is bullet (the principal is due at the end) or spread across dates. A high coupon may compensate for longer duration, weaker liquidity or structural restrictions rather than indicate a better opportunity.
Look for call, put, extension, reset and make-whole provisions. A callable bond can be repaid early by the issuer, while a perpetual bond has no contractual maturity date. A reset clause can change the coupon; a put may give you an exit right only on specified dates and conditions. Read the event-of-default and acceleration clauses to understand what actually happens after a missed payment.
Why unsecured perpetual and AT1 bonds require a separate analysis
SEBI expressly cautions that the meter does not reflect the unique structural risks of unsecured perpetual bonds, including AT1 bonds. The prescribed warning says: “The Credit Risk-o-Meter is based on evaluation of the credit risk of the issuer and does not reflect the unique structural risks associated with Unsecured Perpetual Bonds (such as AT1 Bonds).” The accompanying disclosure warns that these instruments may carry total-loss risk.
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For an AT1 or another unsecured perpetual instrument, read the information memorandum or private placement memorandum for features that can change your outcome even when the issuer’s conventional credit rating looks comparatively strong:
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- There may be no fixed maturity at which the issuer must return principal.
- Coupons can be discretionary, deferred or cancelled under the instrument’s terms or applicable capital rules.
- The instrument can be written down or converted in a stress event, potentially before ordinary creditors absorb all losses.
- An issuer call is generally an option for the issuer, not an obligation to redeem on the first possible date.
- Resale may be limited because perpetual and subordinated instruments have a narrower investor base.
These are structural and contractual risks, not merely changes in the issuer’s probability of default. A meter based on a CRA rating cannot substitute for reading those clauses.
Account for market and liquidity risk
Market risk
Bond prices can move before maturity. When market yields rise, the price of an existing fixed-coupon bond generally falls; when yields fall, its price may rise. The size of that move depends on remaining term, coupon, cash-flow timing and the bond’s market. If you may need to sell before maturity, the repayment amount printed in the documents is not the same as the price you will receive in the market.
Credit-risk changes can also move the price even before a formal default. A downgrade, a negative outlook, sector stress or a weaker secondary-market bid can reduce the price. The meter is not a price target and does not quantify these changes.
Liquidity risk
Liquidity is the risk that you cannot sell promptly at a reasonable price. Ask whether the security is listed, how frequently it trades and whether the platform explains the route for a secondary-market sale. A listing does not guarantee an active buyer. Wide bid-ask spreads, small issue size, concentrated ownership or a lack of market makers can make an apparently attractive coupon costly to exit.
Read the mandated disclaimer and the bond documents for liquidity warnings. Build your decision around the possibility of holding the security until its scheduled repayment—or, for a perpetual bond, indefinitely—rather than assuming an easy exit through the app.
Verify that the platform’s display is current
OBPPs are expected to derive meter information solely from ratings assigned by SEBI-registered CRAs. Their systems should update the display automatically, prohibit manual overrides and maintain an audit trail. When an OBPP receives a rating-change intimation from NSDL or CDSL, it must communicate the corresponding meter change within 24 hours, following the related update to the ISIN database.
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Use that rule as a freshness check:
- Note the rating date and CRA shown on the bond page.
- Compare them with the latest rating communication or document linked for the same ISIN.
- Check whether the platform has changed the meter after a downgrade, upgrade or withdrawal.
- If the graphic and text disagree, stop the order and ask the OBPP for clarification; do not assume the more favourable display is correct.
- Keep a copy of the documents and the displayed rating for your records, because the meter can change after you invest.
A 24-hour update requirement improves operational accuracy; it does not prevent a rating from changing again or eliminate the time between a market event and a formal rating communication.
Compare two OBPP bonds with a consistent checklist
When weighing alternatives, compare the same fields for each security. The meter should be one row in your worksheet, not the whole worksheet.
| Comparison area | What to record | Why it changes the decision |
|---|---|---|
| CRA assessment | Each CRA name, exact rating symbol, rating date and any outlook or watch information disclosed in the documents | Shows the underlying opinions and whether agencies disagree; the meter uses the lowest rating when there is more than one |
| Security status | Secured or unsecured label, collateral description, ranking and enforcement terms | Influences potential recovery and priority if the issuer is distressed |
| Capital-structure position | Senior, subordinated, perpetual or AT1 status; write-down, conversion and coupon-discretion clauses | Determines who absorbs losses and whether payments can be stopped or principal reduced |
| Cash-flow terms | Coupon, payment dates, maturity, amortisation, call, put, reset and redemption provisions | Sets the cash you expect and the conditions under which it can change |
| Marketability | Listing details, expected holding period, available exit route and liquidity warnings | Tests whether you can sell without accepting a large price concession |
| Information freshness | Latest document date, platform meter date and evidence of a recent rating update | Helps identify a stale display or a rating change not yet reflected on the page |
Only compare yields after these checks. A larger coupon can be compensation for longer duration, weaker ranking, lower liquidity or more complicated loss-absorption terms. Comparing the headline coupon without matching cash-flow and risk terms can produce a misleading result.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.A practical decision sequence before pressing “Invest”
- Identify the exact security. Confirm the issuer, ISIN, issue size, currency and whether you are viewing the intended tranche rather than another bond from the same issuer.
- Read the meter and the text beside it. Write down the risk level, CRA and actual rating symbol. If several CRAs are listed, identify the lowest rating used for the meter and read the others.
- Open the governing document. Use the offer document, abridged prospectus or private placement memorandum for that issue. Do not rely on a platform summary when a contractual term matters.
- Classify the security. Mark it as secured or unsecured and identify seniority, subordination, perpetual status and any AT1 or other loss-absorption feature.
- Map the cash flows. Put every coupon date, principal payment, call date, reset and maturity into a calendar. For a perpetual bond, model the possibility that principal is not returned on a predetermined date.
- Stress the exit. Ask what happens if you need cash before maturity, rates rise, the issuer is downgraded or no buyer appears. Read the stated liquidity and market-risk disclosures.
- Check recency. Compare the platform display with the latest CRA communication and confirm that a recent change has been reflected. A stale or inconsistent page should end the transaction until corrected.
- Match the risk to your purpose. Decide whether the security’s term, possible loss and liquidity fit your time horizon and ability to absorb a loss. The meter cannot make that suitability decision for you.
Common mistakes and how to avoid them
Mistake: treating the colour as a guarantee
Fix: Read the actual rating, terms and risk disclosures. The meter addresses credit risk and is explicitly not investment advice or a recommendation.
Mistake: looking only at the highest rating
Fix: Find every CRA rating. The framework uses the lowest one for the meter, while the other opinions can reveal disagreement that deserves investigation.
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Mistake: assuming “secured” means risk-free
Fix: Read the collateral, ranking and enforcement provisions. Recovery depends on the contract and the value available in a stressed outcome.
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Mistake: overlooking perpetual and AT1 clauses
Fix: Read the information memorandum or private placement memorandum for coupon cancellation, write-down, conversion and call terms. The meter does not capture these unique structural risks.
Mistake: assuming a listing guarantees an exit
Fix: Treat liquidity as a separate risk. A listed bond can still have few buyers or a wide price spread when you need to sell.
Mistake: relying on an old screenshot or saved rating
Fix: Recheck the live platform page and latest CRA communication immediately before investing. OBPPs are required to communicate meter changes within 24 hours after receiving the relevant NSDL/CDSL intimation, but ratings can continue to change.
Scope and timing of the SEBI framework
The circular applies to listed and proposed-to-be-listed non-convertible securities, commercial papers, securitised debt instruments, security receipts and structured debt or market-linked debentures, whether issued through a public issue or private placement. It is dated October 7, 2026, and states that its provisions come into force 45 days after issuance. That points to a commencement date around November 21, 2026, subject to the operative text, any amendment and the implementation position applicable to the transaction you are viewing.
Because ratings, platform systems and regulatory requirements can change, verify the current SEBI requirements and the particular bond documents on the date you invest. The framework standardises how credit risk is displayed; it does not establish a bond’s yield, price, liquidity, recovery amount or suitability.
Final decision rule
Proceed only when you can explain, in your own words, what the meter says, which CRA rating supports it, how the security ranks, when and how you are paid, what could interrupt those payments, and how you would exit. If you cannot answer those questions from the current documents, the missing information—not the colour—is the risk signal. For unsecured perpetual and AT1 bonds, assume the possibility of a total loss is part of the decision and do not treat a favourable meter level as a substitute for structural analysis.
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