Robust credit risk assessment is vital for maintaining asset quality and ensuring the soundness of lending portfolios. At CHOWDARY & RAO, our Loan Appraisal & Credit Audit services provide an independent, systematic evaluation of credit proposals and sanctioned loan accounts. We help financial institutions ensure that lending decisions are based on credible due diligence, proper documentation, and adherence to regulatory and internal credit policies.

In loan appraisal assignments, we assess the borrower’s financial strength, project viability, cash flow projections, collateral valuation, and creditworthiness. We also review sectoral risks, end-use of funds, and alignment with lending norms prescribed by the Reserve Bank of India (RBI). For credit audits, we examine post-sanction processes including compliance with sanctioned terms, disbursement controls, monitoring mechanisms, covenant compliance, and asset classification.

Our team has experience across a wide range of credit products—working capital, term loans, export finance, project finance, and priority sector lending. We support banks and NBFCs in strengthening their credit risk frameworks through structured observations, audit reports, and actionable recommendations. All audits are conducted with objectivity, independence, and confidentiality, in full compliance with RBI guidelines, internal bank policies, and ICAI’s Code of Ethics.