GRADES represent the key assessment areas of the
Federation Assessment – Governance & Strategy, Resources, Asset Quality,
Development & Impact, Efficiency & Profitability, Systems &
Operating Processes and SHG Performance. GRADES has been developed based on
expertise of M-CRIL and APMAS, consultations held with various key stake
holders like NABARD, Andhra Bank, Govt. of AP, SERP, NGOs etc at the state
level, and also at the district level and subsequent field testing of the
system.