CENTRAL BANK OF INDIA

MANUAL RATING SHEET FOR MSME LOANS UPTO RS.200 LAKH

SATSANG
NAME OF ACCOUNT- M/S BS ENTERPRISES Branch NAGAR ,DEOGHA
R
RATING BASED ON ABS
S.N. Parameters Maximum Marks Marks Scored
A Business Risk 20
1 Proximity to Buyers
Company has wide distribution network to have access to most of buyers 3 3
Company has adequate distribution network to have access to buyers 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
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 0
B Financial Risk 60
1 Current Ratio*
Current Ratio 1.33 and above 10 10
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
Credit Summations to total sales ratio for latest financial year between 80% and
4
90%
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
2
70%
Credit Summations to total sales ratio for latest financial year less than 60% 1

MANUAL RATING SHEET UP TO 2 CR 1

 CENTRAL BANK OF INDIA

MANUAL RATING SHEET FOR MSME LOANS UPTO RS.200 LAKH

SATSANG
NAME OF ACCOUNT- M/S BS ENTERPRISES Branch NAGAR ,DEOGHA
R
RATING BASED ON ABS
S.N. Parameters Maximum Marks Marks Scored
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 8
DER (avg of last 2 years) above 2 and upto 3 6
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 10
TOL/TNW(avg for last 3 years) above 3 and upto 4 8
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
6 Growth in sales*@
Net Sales Growth Rate over 20% for past 3 years 5 0
Net Sales Growth Rate over 15% upto 20% for past 3 years 4 4
Net Sales Growth Rate over 10% upto 15% for past 3 years 2
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 2
PAT/Net sales of upto 5% 1
PAT/Net sales negative 0
8 Interest Coverage Ratio*
Interest Coverage Ratio 2 and above 5 5
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
1 Collateral/Guarantee coverage
Collateral/Gurantees available over 100% of bank loan 10 10
Collateral/Gurantees available over 50% and upto 100% of bank loan or covered
8
under CGTSME scheme
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
Management is fairly experienced but lacks expertise 3 3
Management is no experience or very few years of experience in the industry 1
3 Years in existence
>10 years of existence 5 0
between 5 to 10 years of existence 4

MANUAL RATING SHEET UP TO 2 CR 2

 CENTRAL BANK OF INDIA

MANUAL RATING SHEET FOR MSME LOANS UPTO RS.200 LAKH

SATSANG
NAME OF ACCOUNT- M/S BS ENTERPRISES Branch NAGAR ,DEOGHA
R
RATING BASED ON ABS
S.N. Parameters Maximum Marks Marks Scored
Between 3 to 5 years of existence 3
Between 1 to 3 years of existence 2 0
less than 1 year of existence 1 1
Total Marks Scored
Business Risk 20 20
Financial Risk 60 49
Management Risk 20 14
Total Marks 100 83
*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:

% OF MARKS FOR THIS ACCOUNT 83%

RATING OF THE ACCOUNT BASED ON ABS - 31.03.2023 CBI-3

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

MANUAL RATING SHEET UP TO 2 CR 3