its anal

according to SEBI(INDIA) credit rating agency cannot rate fixed deposits, real estates, etc.

People with a lower credit rating score present a higher risk to lenders than those with a higher credit rating score. Therefore, those who present the highest risk will receive the highest interest rates and those who present the lowest risk will receive the lowest interest rates. While this may not seem fair, the bank sees someone with a 650 credit rating score as a higher risk of defaulting on their loan than a person with a 750 credit score. This is because, statistically speaking, those with a 750 credit rating score do default less than those who a 650 score.

Which among these is a credit rating ?

Bond credit rating is used to assess the credit worthiness of a corporation or government's debt issues. A bond credit rating is similar to a credit rating that an individual person receives.