|Nature of Debt Instrument||Nature of Term||CRISIL||India Ratings||ICRA||CARE|
|Non-Convertible Debentures||Long Term||AA- /Stable||AA-/Stable||AA- /Stable||-|
|Subordinated Debt/Tier II Bonds||Long Term||AA- /Stable||AA-/Stable||AA- /Stable||-|
|Bank Loans||Long Term||-||AA- /Stable||AA- /Stable||AA- /Stable|
|Certificate of Deposits||Short Term||A1+||A1+||-||A1+|
|CRISIL||Credit Rating Information Services of India Limited (A Standard & Poor's Company)|
|India Ratings||India Ratings (A 100% subsidiary of the Fitch Group)|
|ICRA||ICRA Limited (formerly Investment Information and Credit Rating Agency of India Limited) - An Associate of Moody's Investors Service|
|CARE||Credit Analysis & Research Ltd.|
Note: Ratings by various agencies are subject to regular revisions. Kindly refer to the respective agencies for the latest ratings.
In 2016, after the demise of her husband and two sons, Hema took charge of her husband’s Motor Driving School. AU Bank transferred the car loans in her name and provided support when Hema needed it the most. After one year, Hema became independent and her business is running better then before. She is also providing employment to four drivers in her Motor Driving School.