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World’s first SME Rating Agency

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

About Us

SMERA, widely known as 'The SME Rating Agency of India' was conceptualized by the Ministry of Finance, Govt. of India and the Reserve Bank of India to help Indian MSMEs grow and get access to credit through independent and unbiased credit opinion that banks can rely on. The Company began its operations in the year 2005 as a joint initiative of Small Industries Development Bank of India (SIDBI), Dun & Bradstreet Information Services India Private Limited (D&B) and leading public and private sector banks in India. Thus, SMERA became the world's first MSME focused rating agency and introduced the concept of SME Ratings in India. SMERA is now a wholly owned subsidiary of Acuité Ratings & Research Limited. 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.

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

Products offered by SMERA