D&B India conducted a sample survey across 10 identified clusters, in discussion

with GIZ and

SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent

erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t

he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken

from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in

each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire

included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are

? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and

SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us

ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin

g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm

ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the

number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit

requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth

in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report

1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises

was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi

a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent

erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t

he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken

from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in

each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire

included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are

? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and

SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us

ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin

g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm

ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the

number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit

requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth

in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report

1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises

was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi

a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent

erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t

he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken

from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in

each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire

included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are

? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and

SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us

ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin

g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm

ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the

number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit

requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth

in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report

1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises

was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi

a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent

erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t

he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken

from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in

each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire

included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are

? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and

SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us

ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin

g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm

ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the

number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit

requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth

in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report

1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises

was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi

a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent

erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t

he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken

from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in

each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire

included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are

? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and

SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us

ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.

), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin

g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm

ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f

or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the

number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit

requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth

in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report

1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and

well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises

was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.

Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi

a conducted a sample survey across 10 identified clusters, in discussion with GI

Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent

erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t

he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken

from the Cluster Diagnostic Study (DS) Reports3

2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method

D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B Indi
a conducted a sample survey across 10 identified clusters, in discussion with GI
Z and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified f
or each cluster and
well distributed across micro, small, and medium enterprises. The questions in t
he questionnaire
included queries on financial information (such as assets, turnover, profit etc.
), nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak Comm
ittee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50 ent
erprises in
each cluster. Turnover of the enterprises within the sample were extrapolated us
ing the
number of micro and small enterprises in the cluster. The number of enterprises
was taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level usin
g average growth
in Index of Industrial Production (IIP)4 for the corresponding industry