The most common factors is that your credit history, past repayment history and your credit utilization. The three credit reporting agencies take that information and build your credit profile, which will determine your overall credit rating and score.
Rating Agency
Instrument
Rating
Limit in Rs. Cr.
CARE
Long term Bank Facilities
BBB+
400
ICRA
Long term Bank Facilities
BBB+
300
CARE
*
MFI 2 (3rd highest grading on an eight point scale)