http://goo.gl/4DefHt | Credit rating agencies such as CRISIL and ICRA, rate companies based on their financial stability and creditworthiness. NBFC (Non-banking financial company) , mandatorily, need an ‘A’ rating to be able to accept public deposits. ‘AAA’ and ‘AA’ ratings indicate high degrees of stability, making deposit schemes from companies with such ratings, a safe bet.