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World’s first SME-focused rating agency

We empower the SME ecosystem by promoting transparency, building trust and facilitating lending decisions.

World’s first SME-focused rating agency

We empower the SME ecosystem by promoting transparency, building trust and facilitating lending decisions.

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We help Bankers

Get an Unbiased Opinion

Evaluate & Assess Risks

Identify Opportunities

Reduce Information Asymmetry

Expedite Decision Making wrt Financing

We help Enterprises

Get Easy Access to Finance

Secure Low-Interest Loans

Enhance Credibility & Reliability

Evaluate Business Operations & Processes

Build  Confidence with Partners

The SMERA Impact

The SME ecosystem has expanded tenfold over the last few decades across geographies, product types, and people. Through sufficient technological progress, SMEs grew to contribute nearly 10% of the nation’s GDP. However, one key reason still leaves them fettered: lack of funding. Recognizing this core issue, SMERA came into being as the world’s first SME-focused rating agency.

Intending to facilitate easy access to finance for SMEs, SMERA focuses on promoting transparency and reducing information asymmetry. Our portfolio of services caters to a wide range of SMEs across various sizes and industries. Our team of experienced professionals, including researchers, analysts, and MBAs, has established robust statistical models focused on rating and grading SMEs. We provide an unbiased opinion of an enterprise’s creditworthiness, giving a mark of authenticity and credibility of the business.

Keeping up with the sector’s adoption of digital applications, we created a fintech platform that interlinks bankers with potential SME borrowers - SMERA Banker's Terminal. In the last two decades, SMERA has built a network of over 50,000 rated MSMEs while bridging the gap between enterprises, banks, and financial institutions. As we continue on our journey, we are dedicated to our cause of strengthening the SME Ecosystem through easier access to financing, streamlined information, and credible assessment of business parameters.


Nation-wide Network



Mr. Sankar Chakraborti

Non-Executive Chairman
Mr. Sankar Chakraborti has more than two and a half decades of experience in developing and selling data, analytics, risk management, credit ratings and financial research solutions. He is a member of FICCI's Capital Markets Committee and Executive Committee of Maharashtra State Council. He is also a member of IBA's Standing Committee on MSMEs. Mr. Chakraborti holds a Master’s in Business Management and has a Bachelor’s degree with Physics major.

Mr. V Chandrasekaran

Mr. V Chandrasekaran has an overall experience of nearly 40 years in Industry and Development Banking. He superannuated as the Executive Director of SIDBI. He has long and varied experience in policy formulation, development, financing of projects and NBFCs. He was a member on the boards of a few organizations and is associated with National Stock Exchange as a Member of the Grievance Redressal Committee. He is also a member of the Credit Committee of an NBFC. Mr. Chandrasekaran is a graduate in mechanical engineering and holds a master’s degree in financial management from JBIMS.

Mr. Yogesh Dixit

Mr. Yogesh Dixit is an experienced Banking & Finance professional with an overall experience of 28 years. He has a long experience of dealing with Regulators, Ministries in GOI, Multilateral Agencies, Industry Federations and Policy Formulation in MSME space. Mr. Dixit has worked with Financial / Banking Institutions and credit rating agencies. Currently, he is occupying the position of Chief Risk Officer at Suryoday Small Finance Bank Ltd. He holds a Bachelor’s Degree in Engineering (B.E) - Civil Engineering and Master’s Degree in Technology. He also holds a Master’s Degree in Business Administration (Finance) from Narsee Monjee Institute of Management Studies and is a Certified Associate of India Institute of Bankers.