FY-2020-2021 - SMERA

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Annual Return : FY. 2020 - 2021

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CIN: U74999MH2018PTC308660
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Code of Conduct – 2^nd Dimension

Management Structure
Board Structure and Functioning
Board Compensation
Board Independence
Financial Audit & Control
Management Compensation
Community support & development
Data privacy and security
Employment quality
Audit committee functioning
Shareholders rights

Management Profile

Organization Structure
Profile and credentials of the promoters/ management team
Integrity & Governance systems
Business structure
Vision, mission and future strategy
Corporate Governance
Integrity
Risk Appetite

Quality of Business Model

Asset class
Industry Segment
span class=”elementor-icon-list-text”>Break even period, process to control the credit and opex cost
AUM /Cumulative Loan Disbursed
Portfolio Seasonality
Average ticket size
Geographical Coverage
Outreach
Years of Existence

Strength of Operations

No. of Employees
No. of Branches
AUM per employee
Portfolio Seasonality
Loan Appraisal Process, Monitoring and Recovery Mechanism
IT Infrastructure and Management Information System (MIS)
Asset Quality (Portfolio Ageing)
Incremental borrowing rate v/s incremental yield on portfolio

Financials Quality

Resource Profile (Equity and Debt Mix)
Earnings Quality and Profitability
Capital Adequacy (CRAR)
Asset Quality (provisions and write-offs)
Net worth (Entity + Promoter)
Accounting Quality
Liquidity / Asset Liability Management
Disclosure in financial statements

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Speaker Opportunities

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Name of the MSME unit GSTIN Company Email Address City/District Loan Requirement About the Authorised Signatory Name Designation Mobile Email ID ✓ I/we want to avail SME Rating services. ✓ I/we have read and understood the terms & conditions, and have agreed to the same. ✓ I/we request you to send payment instructions by email. ✓ I/we understand that a representative of SMERA will contact us. ✓ I am authorised to request for a rating for our organisation.

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Name of the MSME unit Your email Phone No.* City/District Loan Requirement About The Authorised Signatory Name Designation Mobile Number Email ID Send me the rating agreement I understand that SMERA executives will call me/send me messages to take the process ahead. I have read and understood the terms & conditions

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Name Designation Mobile Number Email ID Name of the MSME unit City/District Loan Requirement I understand that SMERA executives will call me/send me messages to take the process ahead. I have read and understood the terms & conditions

SME rating

Name of the MSME unit Your email Phone No.* City/District Loan Requirement About The Authorised Signatory Name Designation Mobile Number Email ID Send me the rating agreement I understand that SMERA executives will call me/send me messages to take the process ahead. I have read and understood the terms & conditions