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Limited skills in
understanding & evaluating Geographically Dispersed
Lending Institutions
SMERA An Introduction
Only rating agency dedicated to the SME qualitative services at competitive prices. segment offering
Joint initiative of SIDBI, Dun & Bradstreet and 11 leading banks operating in SME segment. Launched on the 5th September 2005 by the Hon. Finance Minister, Shri P Chidambaram. Completed around 4800 ratings till date. Greater acceptability in banks (MOU with 22 leading banks). 14 Banks offer interest rate and security concessions for well rated SMERA customers.
Rating Scales
NSIC SMERA
High
Highest High Performance Capability Moderate Weak Poor SE1A SE2A SE3A SE4A SE5A
Moderate
SE1B SE2B SE3B SE4B SE5B
Low
SE1C SE2C SE3C SE4C SE5C
Composite Appraisal Indicator reflects a companys health, stability and overall condition
Enterprise
Conducts site visit and interviews Management
ROC Information
Rating Model
Third Party Data e.g. Litigation Information External Data
SMERA Database
Documents, Site Visit audited results Assessment & certified Report projections Documents Obtained
Rating Analyst
Entity Rating
Peer Review
Final Rating
10
Parameters of Rating
Financial
Solvency Ratios Liquidity Ratios Profitability Activity Ratios Ratio
Assetturnover
Non-Financial
Management Quality Location Advantage Marketing Network Legal Issues Industry and MacroEconomic Assessment
11
Non-Financial Parameters
12
14
Category
Fees
Service Tax
Total
Turnover
< 50 Lacs 50 to 200 Lacs > 200 Lacs
Rs.
7,500 9,000 12,000
Rs.
772.5 927 1,236
Rs.
8,272 9927 13,236
15
16