Introduction to CRISIL

• India’s largest and World’s 4th largest Rating

Agency
• More than 10,000 corporate ratings and
approx.20,000 Sme Ratings
• Most Credible opinion provider in Ratings
 Indian MSME Sector

• MSME
• Classification
• Micro-25 to 50 lacs
• Small—50 lacs to 5 Crore
• Medium-5 Crore to 10 Crore
 Why MSME’s So imp.????
• Contribution to GDP
• Contribution to Employment
• Contribution to Export
 Concept of SME Rating
 A reflection of level of creditworthiness and business
capabilities of an SME in relation to other SMEs
 An issuer rating
 Comprehensive analysis of financial strength as well
as performance capabilities
 Feedback from customers, suppliers and bankers - a
360 degree check
Rating Methodology
Management
Management
Risk
Risk

Overall
Overall
Business
Business credit
credit
Risk
Risk risk
risk

Financial
Financial
Risk
Risk

Project
Project
Risk
Risk
 Benefit of SME Ratings
 A trusted third party opinion
 Access to funding
 Avoid duplication of efforts with each new lender
 Credibility with business partners
 New customers/Suppliers/Collaborators
 Tool for self improvement
 Gives a comparative benchmark,
strengths/weaknesses
 Visibility - Listing in CRISIL publications and website
Why MBA?????????