Form MSE II CENTRAL BANK OF INDIA

Manual Scoring Model for Micro and Small Enterprises (New Units) with Credit exposure upto Rs2 Crore.
Year – 2021-22
Branch :- DAKOR

Sl Maximum Marks
No Parameters Marks Scored
A Business Risk 20 19
1 Proximity to Buyers
Company has wide distribution network to have access to most of
buyers 3
Company has adequate distribution network to have access to
buyers 2 2
Some of the buyers are located far away from place of operations
of firm 1
Most of the buyers are located far away from place of operations of
firm 0
2 Dependence on limited Customers
Very large no of customers/Retail customers 3 3
Large no of customers 2
Small no of customers 1
Very few customers 0 0
3 Availability of Skilled Manpower
Skilled Manpower locally available/tied up 2 2
Skilled Manpower not locally available but source identified 1
Skilled Manpower not locally available nor identified 0
4 Availability of key raw material
Raw Materials locally available/tied up 3 3
Raw materials not locally available but source identified 2
Raw materials not locally available nor identified 0
5 Availability of power and other utilities
Power and other utilities locally available/tied up 3 3
Power and other utilities not locally available but source identified 2
Power and other utilities not locally available nor identified 0
6 Litigation
No litigiation history/pending 1 1
Litigation cases pending 0
7 Statutory Compliance
All statutory compliance duly obtained and kept on record 1 1
All statutory compliaces not obtained 0
8 Ownership of business premises
Business premises owned by borrower 2 2
Business premises take on lease/rented 1
9 Type of Technology
Latest/Updated Technology 2 2
Old Technology 0

B Financial Risk 60(45) 10

1 Current Ratio*
Current Ratio 1.33 and above 10 NA
Current Ratio between 1.20 and 1.32 8
Current Ratio between 1.10 and 1.19 6
Current Ratio between 1.00 and 1.09 4
Current Ratio Less than 1 2
2 Credit Summations
Credit Summations to total sales ratio for latest financial year
greater than 90% 5 N.A.
Credit Summations to total sales ratio for latest financial year
between 80% and 90% 4
Credit Summations to total sales ratio for latest financial year
between70% and 80% 3
Credit Summations to total sales ratio for latest financial year
between 60% and 70% 2
Credit Summations to total sales ratio for latest financial year less
than 60% 1
3 Payment track record with Bankers/lenders
If Interest/Installment is serviced within 1 month after its
application 10 10
If Interest/Installment is serviced within 2 months after its
application 8
If Interest/Installment is serviced within 3 months after its
application 4
If Interest/Installment is serviced after 3 months after its
application 0
4 Debt Equity Ratio (DER)*@
DER (avg of last 2 years) upto 1 10
DER (avg of last 2 years) above 1 and upto 2 8
DER (avg of last 2 years) above 2 and upto 3 6 NA
DER (avg of last 2 years) above 3 and upto 4 4
DER (avg of last 2 years)above 4 2
5 Total Outside Liabilities/ Total Networth*@
TOL/TNW(avg for last 3 years) positive and upto 3 10
TOL/TNW(avg for last 3 years) above 3 and upto 4 8 NA
TOL/TNW(avg for last 3 years) above 4 and upto 5 6
TOL/TNW(avg for last 3 years) above 5 and upto 6 4
TOL/TNW(avg for last 3 years) above 6 or negative 2
Growth in sales*@
Net Sales Growth Rate over 20% for past 3 years 5
Net Sales Growth Rate over 15% upto 20% for past 3 years 4
Net Sales Growth Rate over 10% upto 15% for past 3 years 2 NA
Net Sales Growth Rate positive for past 3 years 1
Net Sales Growth Rate negative during past year 0
7 PAT/Net sales ratio*
PAT/Net sales of over 15% 5
PAT/Net sales of over 10% upto 15% 4
PAT/Net sales of over 5% upto 10% 2 NA
 PAT/Net sales of upto 5% 1
PAT/Net sales negative 0
8 Interest Coverage Ratio*
Interest Coverage Ratio 2 and above 5 NA
Interest Coverage Ratio between 1.75 and 2 4
Interest Coverage Ratio between 1.5 and 1.75 3
Interest Coverage Ratio between 1.25 and 1.5 2
Interest Coverage Ratio Less than 1.25 1

C Management Risk 20 10
1 Collateral/Guarantee coverage
Collateral/Gurantees available over 100% of bank loan 10 NA
Collateral/Gurantees available over 50% and upto 100% of bank
loan or covered under CGTSME scheme 8
Collateral/Gurantees available upto 50% 5
Collateral/Gurantees below 50% 3
No Collateral/Gurantees 0
2 Credentials, background and experience of management
Management is highly experienced and qualified 5 5
Management is fairly experienced but lacks expertise 3
Management is no experience or very few years of experience in
the industry 1
3 Years in existence
>10 years of existence 5 5
between 5 to 10 years of existence 4
Between 3 to 5 years of existence 3
Between 1 to 3 years of existence 2
less than 1 year of existence 1

Total Marks Scored

Business Risk 20 19 (95%)
Financial Risk 60 (45) 10 (17%)
Management Risk 20 (CBI-V) 10(50%)
Total Marks 100 (95)(CBI-IV) 86(92%)

*For new units, financial ratios to be computed on projected

financials;
# If any parameter is not applicable, then weightage to be obtained
as under:
(Marks obtained * 100)/Total maximum marks assigned to
applicable parameters
@ In cases where required number of years data is not available,
average of available data can be taken
The mapping of marks obtained to rating grades will be as follows:
Percentage of marks obtained Rating Grade
Those who are above 90% CBI-1
Those who are >85% and <=90% CBI-2
Those who are >80% and <=85% CBI-3
Those who are >70% and <=80% CBI-4
Those who are >60% and <=70% CBI-5
Those who are >=51% and <=60% CBI-6
Those who are >45% and <51% CBI-7
Those who are >40% and <=45% CBI-8
Those who are >35% and <=40% CBI-9
Those who are <=35% CBI-10