ONICRA has developed a separate MSME Rating Scale for the units that do not fall
in NSIC-ONICRA Performance and Credit Rating Scheme.
While Rating MSMEs, ONICRA takes into account the financial position and several
qualitative parameters such as MSME’s management, ownership, organisation structure,
key human resources, business environment, relationships with trade partners, operating
efficiency and capabilities and other non-financial parameters that may have a bearing
on its creditworthiness.
Our rating model is frequently updated with real time data to provide highly effective
rating solutions for the MSME units.
ONICRA MSME Rating seeks to bridge the “information gap” that a lender may face
while evaluating a credit proposal made by a MSME.
ONICRA MSME Rating is valid for one year from the date of the MSME report issued
MSMEs are encouraged to obtain rating reviews periodically, and ONICRA carries out
reviews whenever requested by the MSME or the lender.