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Credit Rating - Finance

Home >>>>      Services - Credit Ratign - Finance


Government of India Rating Services

We are providing Govt. of India Credit Rating Solutions for Individuals and Small and Medium Enterprise(SME). This ratings enables the Lender or service provider to take a valued judgment on the Indiviual or SME based on the financial background and productivity analsis. Through this is a single window clearance on a national basis in the Telecom, Banking, Insurance, Health, Education and Automobile Sectors.

MSME Rating :

Onicra Credit Rating Agency of India Limited (ONICRA) analyzes financial and perational performance, connects suppliers & buyers through its online market place and provides a holistic financial and IT soluti n for MSME development and progress. The rating process includes a physical visit, collection, verification & authentication of data. Analysis is conducted, where facts are presented and reported. Onicra rating is accepted by Public Sector Banks & appr ved by Indian anks Association (I A). Onicra MSME Rating & Services aim to address some of the challenges faced by these units.

Securing Credit from banks and financial institutions
Lack of faith shown by buyers and suppliers
Doubts on creditworthiness and capabilities

Government of India Rating Scheme
Understanding the urgency faced by the MSME units, Ministry of MSME, Government of India through NSIC has signed a Memorandum of Understanding with ONICRA to provide Performance and Credit Rating services. The scheme was launched by the

Honorable Finance Minister and is approved by Indian Banks Association (I A). THE MINI TRY OF MSME IS OFFERING A SUBSIDY OF 75% ON THE ONICRA RATING FEE. The scheme is set to educate MSME units about financial matters.

Scheme Features

Rating and services fee structure based on turn over
Scheme implemented through NSIC , a nodal agency of Govt. of India

Rating appr ved by Indian anks Association (I A)

Subsidy of 75% on rating fee provided by the Ministry of MSME


Benefits of NSIC-ONICRA Performance and Credit Ratings To MSME Units

Increases credit acceptability with banks and financial institutions

Creates confidence among buyers and suppliers by establishing credibility & goodwill
Improves risk management
Higher productivity levels

Benefits of NSIC-ONICRA Performance and Credit Ratings To MSME Units
Increases credit acceptability with banks and financial institutions

Creates confidence among buyers and suppliers by establishing credibility & goodwill

Improves risk management

Higher productivity levels

To Banks & Financial Institutions

The rating is an additional input to objectively and scientifically decide lending options and determine terms such as interest rates, margins and collateral requirements for SSI borrowers.

This leads to comfort level for prudent decision-making

Symmetric flow of information in the SME sector

Reduction in allocation of risk capital due to enhanced asset quality

Warning signals through peri dic rating review

Focus can be driven towards exposure on low risk accounts

SSI Registration MSME Registration DIC Registration Small Scale Industry Registration Import Export Code
IEC Code, ISO Certification, NSIC Registration Credit Rating Trademark Registration
CE Mark Registration, Enterprenuer Memorandom
SSI Certificate business registration company registration firm registration industrial registration
organic certification organic registration