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MSME Credit Rating Procedure
Credit Rating Procedure

The bank collects latest audited financials, analyses them and financial risk is weighed based on various performance figures / financial ratios.

Management Risk & Market Risk is marked depending on collected particulars.

In case of existing customers, compliance to sanction terms & business consideration are judged and marked.

Then all the marks are summed up to allot the rating numeric & assess the credit risk.

In the existing pattern the rating numeric attached to various risks are as under:

Credit Quality

Rating Numeric

Lowest Risk


Minimal Risk


Moderate Risk


Satisfactory Risk


Acceptable Risk


Minimum Credit Rating required for considering a new proposal is CR-5 and for take over proposal is CR-4 at present. The cutoff point is changed from time to time depending on bank's requirements by the management.

We are doing business from last three years with UNION BANK OF INDIA, C. G. Road Branch.
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