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Key Milestones

Incorporated under the directive of the Government of India as SME Rating Agency of India

Approved by Ministry of MSME, Government of India, for Performance Credit Rating Scheme

Received DFID UK Technical Assistance grant under the World Bank Project to promote the growth & competitiveness of SMEs

ADFIAP awarded SIDBI with the Outstanding Development Award for setting up SMERA

Obtained an eloquent mention in IFC’s report as a novel and sustainable initiative of the Government of India to increase credit flow to SME ecosystem

Set up Credit Due Diligence offering – a thorough fact check to validate an entity’s claims

Integrated Tamper Proof QR Code in SME Rating Reports to facilitate easy access to crucial information

Launched SMERA Terminal, a Fintech Platform connecting lenders & MSMEs


Rated 50,000+ enterprises

New products introduced
  1. Real Estate Project and Developer grading
  2. Techno Economic Viability report

Incorporated under the directive of the Government of India as SME Rating Agency of India

Approved by Ministry of MSME, Government of India, for Performance Credit Rating Scheme

Received DFID UK Technical Assistance grant under the World Bank Project to promote the growth & competitiveness of SMEs

ADFIAP awarded SIDBI with the Outstanding Development Award for setting up SMERA

Obtained an eloquent mention in IFC’s report as a novel and sustainable initiative of the Government of India to increase credit flow to SME ecosystem

Set up Credit Due Diligence offering – a thorough fact check to validate an entity’s claims

Integrated Tamper Proof QR Code in SME Rating Reports to facilitate easy access to crucial information

Launched SMERA Terminal, a Fintech Platform connecting lenders & MSMEs


Rated 50,000+ enterprises

New products introduced

  1. Real Estate Project and Developer grading
  2. Techno Economic Viability report

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        • 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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