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FEATURES
MSME Rating is a comprehensive and an independent third-party evaluation of the MSME.
It takes into account the financial position and several qualitative parameters of the MSME that has bearing on credit worthiness of the entity.
Salient Features:
- Independent, third-party & comprehensive assessment of the overall condition to exhibit intrinsic strengths of MSME.
- Turnover based fee structure
- Partial Reimbursement of Rating Fee through NSIC in case of eligible MSMEs.
- Categorizes MSMEs based on size, so as to enable fair evaluation of each MSME amongst its peers.
MSME Rating is offered in two different scales i.e. "SMERA MSME Scale" & "SMERA NSIC Scale"
SMERA MSME Scale (without NSIC subsidy):
Consist of two parts viz. 1) Size Indicator and 2) Composite Appraisal Indicator
| RATING INDICATORS |
| SMERA |
Size Indicator
based on networth
(In descending order)
|
Composite Appraisal Indicator
(In descending order)
|
A : more than INR 20 crores
B : between INR 5 crores & 20 crores
C : between INR 1 crore & 5 crores
D : less than INR 1 crore
|
Highest |
| High |
| Above Average |
| Average |
| Below Average |
| Inadequate |
| Low |
| Lowest |
NSIC - D&B - SMERA Rating Scale (with NSIC subsidy):
It consists of two parts viz. 1) Financial Strength Indicator 2) Performance Capability Indicator.
| RATING INDICATORS |
| |
FINANCIAL STRENGTH |
| |
|
HIGH |
MODERATE |
LOW |
| Performance Capability |
Highest |
SE1A |
SE1B |
SE1C |
| High |
SE2A |
SE2B |
SE2C |
| Moderate |
SE3A |
SE3B |
SE3C |
| Weak |
SE4A |
SE4B |
SE4C |
| Poor |
SE5A |
SE5B |
SE5C |
RATING PROCESS
MSMEs could apply for SMERA Rating by contacting the addresses mentioned below or register themselves by logging on to www.smera.in or email us at info@smera.in.
Click here to download the application form and forward the same to our regional contact addresses.
- On receipt of the duly filled application form, relevant documents and the applicable rating fees SMERA will initiate the rating process.
- As part of the rating process, a SMERA representative will contact the MSME for undertaking the site visit and seek an interview with the promoter and key personnel of the MSME unit. A questionnaire seeking information on financial and qualitative factors is also required to be filled-in by the SMERA representative with the assistance of the applicant.
- SMERA shall complete the evaluation process within 15 working days from the date of submission of complete information.
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