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CRISIL SME Ratings SME Rating
CRISIL SME Ratings
Background
Recent years have seen rapid growth in the Small and Medium Enterprises (SME) sector, and an enhanced appreciation of this sector's critical role in driving economic growth. However, authentic and independent credit research in this sector has so far been minimal. With many private and public sector banks directing resources and focus towards SME lending, the need has arisen for independent credit opinions. CRISIL offers its rating services to SMEs to meet this need. SME ratings are offered on an exclusive rating scale, distinct from regular ratings offered to large corporations, banks and government entities.

Credit evaluation in the SME sector needs a specialised approach, as the issues and drivers of credit quality are different from those applicable for large companies. The weightages assigned to various parameters of evaluation therefore need to be different. There has to be a good understanding of the particular cluster or area where the SME is operating.

CRISIL now offers rating services tailor-made for small and medium enterprises.
Benefits of CRISIL Ratings - The CRISIL Edge:
» A Trusted Third Party Opinion:
A rating from CRISIL is a stamp of quality from the most renowned rating agency in India.
» Access to Funding:
A good rating from CRISIL carries weight with lenders, and can help you get faster and cheaper credit. The Indian Banks' Association (IBA) has endorsed the NSIC-CRISIL rating, and informed its member banks of the same. CRISIL has working arrangement with 29 banks and financial organisations and extends concessional pricing to their borrowers.

Allahabad Bank The Federal Bank Ltd State Bank of Indore
Andhra Bank HDFC Bank Ltd State Bank of Mysore
Bank of Baroda ICICI Bank Ltd State Bank of Saurashtra
Bank of India Indian Bank State Bank of Travancore
Bank of Maharashtra Indian Overseas Bank Syndicate Bank
Canara Bank Kerala Financial Corporation UCO Bank
Central Bank of India Punjab National Bank Union Bank of India
Corporation Bank State Bank of Bikaner & Jaipur United Bank of India
Dena Bank State Bank of Hyderabad Vijaya Bank
The Dhanalakshmi Bank Ltd State Bank of India  
» Credibility and confidence building with business partners:
Credit Rating is an indicator of your performance capability and financial strength. A good rating gives comfort to

» New Customers
» Foreign Partners
» Suppliers
» Collaborations for Joint Ventures
» Added advantage while bidding and tenders filings
» Self-improvement tool:
With its rating, CRISIL gives you a detailed analytical report on your company's strengths and weaknesses. The report will help you strengthen your operations and improve the working of your company. This insightful, credible and independent feedback is supported by the strongest industry and company research in India.
» Improved Visibility:
With the CRISIL rating, your company will get a free listing in CRISIL's RatingScan, a publication that is used as a reference for lending decisions by banks. We will also feature your company on CRISIL's website. In addition, your company name will also feature in the monthly newsletter CRISIL SME Connect that is sent to more than 1800+ bankers and 3000+ companies across India.
Why CRISIL?

»  India's leading Ratings, Research, Risk and Policy Advisory company: CRISIL leads the market in depth of analysis and sophistication of approach. A rating from CRISIL is a stamp of quality from the most renowned rating agency in India.

»  Association with Standard & Poor's : CRISIL's majority shareholder is Standard & Poor's, the world's foremost provider of independent credit ratings, indices, risk evaluation, investment research and data. Leading corporations worldwide are rated by Standard & Poor's. S&P's Credit Risk Tracker (CRT) has analysed about one million SMEs in Europe.

»  Value-driven approach: All CRISIL businesses operate on the core values of Analytical Rigour, Independence, Integrity, Innovation, and Commitment. CRISIL's consistent adherence to these principles is recognised by users of its ratings, and has been the key factor that makes CRISIL the leading player in its field.
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