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CRIF INDIA MSME RANK – The most comprehensive MSME credit assessment solution for accelerating your MSME lending potential

MSME lending in India is a huge opportunity with unparalleled potential for growth, but also comes with unique challenges and complexities. As lending institutions increasingly cater to lower-vintage borrowers, particularly in the micro-segment, a robust and objective risk assessment tool becomes crucial to navigate through information asymmetry inherent to the unorganized MSME landscape.

Introducing CRIF INDIA MSME RANK, the most comprehensive credit default risk assessment solution tailormade for India’s credit landscape to accelerate your MSME Lending portfolio. This comprehensive credit risk assessment tool empowers lending institutions to make informed and accurate credit decisions and facilitate more accessible credit to deserving MSMEs.

CRIF INDIA MSME RANK (CIMR) is a robust model for Credit default prediction and is applicable for a wide spectrum of MSME entities, with credit risk exposure ranging from overall disbursals of as low as Rs. 10 Thousand to a single facility up to Rs. 10 Crores. CRIF INDIA MSME Rank is a 13-Rank Assessment model to gauge an MSME entity’s Credit repayment ability based on its credit profile, credit history and other factors.

Features that make our credit risk assessment model the most comprehensive solution for India’s MSME landscape

Convenience of a Rank with Granularity of a Score

13 Distinct Ranks for Precise Risk differentiation: CRIF INDIA MSME Rank provides 13 distinct ranks for precise risk assessment, catering to the diverse credit profiles within the MSME sector. This granular framework, developed with intricate understanding of the Indian MSME landscape, allows for accurate risk evaluation.

Enhanced Granularity with Commercial Risk Score: Each rank within CRIF INDIA MSME Rank is integrated with a commercial risk score, offering additional granularity for superior risk assessment and sharper profiling of borrowers within any rank. This layered approach facilitates even more precise decision-making.

Advanced Analytics Engine for sharper profiling

CRIF Rank leverages a powerful analytics engine, incorporating advanced indicators and classifiers like

Repayment behavior: Tracks historical loan repayment patterns to assess future likelihood of defaults.

Credit limit utilization: Analyses the utilization of existing credit lines to gauge financial management practices.

Credit acceleration: Identifies rapid growth in credit usage, potentially indicating financial strain.

Credit vintage: Considers the time elapsed since the first credit bureau record, providing insights into the borrower's credit history length.

Proportion of payment irregularities: Evaluates the frequency of missed or delayed payments.

Comprehensive Time Horizon

CRIF Rank offers a 36-month observation window combined with a 12-month performance window. This dual perspective enables predictive intelligence and proactive risk management.

Access to a larger pool of suitable borrowers

With CRIF INDIA MSME RANK, you can expand the pool of MSME credit opportunities by identifying low and very low-risk borrowers. You can also capture high-risk borrowers with greater precision for effective risk mitigation.

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CRIF INDIA MSME RANK: A robust and comprehensive framework for your MSME credit decisions

  • Objective and Data-Driven Credit Risk Evaluation:
    CRIF INDIA MSME Rank enables lenders to assess creditworthiness objectively based on comprehensive analytics and insights.
  • Streamlined Loan Approval Process:
    Reduced turnaround time for loan approvals through efficient risk assessment and differentiated processing based on CRIF INDIA MSME Rank
  • Precision in Prediction of repayment behavior and performance:
    Advanced data and analytics enables a deeper understanding of your MSME borrowers' historical credit behavior and predict their future loan performance with confidence.
  • Rule-Based Loan Management:
    Facilitates effective rule-based processes for loan renewals, enhancements, and portfolio monitoring.
  • Early Warning System to minimize risk and defaults:
    CRIF INDIA MSME RANK helps in identifying potential borrowers who can potentially turn delinquent and manage risk proactively with early warning signals.
  • Pre-Screening and Pre-Approvals:
    CRIF INDIA MSME RANK helps in streamlining the borrowing experience by pre-screening applicants and offering pre-approved loans to lower-risk MSMEs.
  • Risk-Based Pricing:
    With CRIF INDIA MSME RANK, lenders can implement fair and transparent pricing structures based on borrower risk profiles as indicated by CRIF INDIA MSME Rank

CRIF High Mark: Driving the vision of Boosting the Credit Landscape of India

  • 1st Full Service Credit Information Company in India

  • 13+ Years of Operation

  • >270 Crore + Tradelines


The CRIF India MSME rank: Driving your MSME lending potential and customer experience

  • Enhanced Customer Acquisitions and Operational Efficiency

    Distinguishing Creditworthy Borrowers: CRIF INDIA MSME RANK supplements underwriting process in efficiently identifying creditworthy MSMEs during the initial screening stage. This allows them to focus resources on promising applicants, saving time and effort.

    Pre-approved Loan Offers: Based on CRIF INDIA MSME Rank, lenders can offer pre-approved loans with competitive terms to low-risk MSMEs. This targeted approach reduces acquisition costs while attracting high-quality borrowers.

  • Data-Driven Risk Assessment and Pricing

    Objective Risk Analysis: CRIF INDIA MSME RANK supplements the traditional underwriting process by providing an objective and data-driven assessment of an MSME's creditworthiness, using the 13 ranks. This aids in making informed risk-based decisions.

    Tailored Interest Rates: Lenders can leverage CRIF INDIA MSME RANK to implement risk-based pricing, offering lower interest rates to MSMEs with a lower risk profile. This incentivizes responsible borrowing behaviour and fosters a healthy loan portfolio.

  • Predictive and Proactive Risk Controls

    Precision in Prediction of repayment behavior and performance: Advanced data and analytics enables a deeper understanding of your MSME borrowers' historical credit behavior and predict their future loan performance with confidence.

    Early Warning System to minimize risk and defaults: Identify borrowers who can potentially turn delinquent and manage risk proactively with early warning signals.

  • Enabling Digital Lending and Portfolio Management

    Automating Loan Decisions: CRIF INDIA MSME RANK can be integrated into digital lending platforms to facilitate rule-based decision-making for loan applications. This allows for faster loan approvals, particularly for low-risk borrowers.

    Streamlined Portfolio Monitoring: Lenders can gain insights into potential risk transitions within their MSME Credit portfolio. This enables proactive management and early intervention to mitigate potential defaults.

    Rule-Based Loan Management: Facilitates effective rule-based processes for loan renewals, enhancements, and portfolio monitoring.

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Frequently Asked Questions

  1. What should CRIF INDIA MSME RANK be used for?

    CRIF INDIA MSME RANK is a comprehensive MSME Rank that expands your ability to evaluate and acquire potential borrowers and monitor existing borrowers.

    CRIF INDIA MSME RANK could be used for evaluating credit profile of incoming loan applications from MSMEs by checking their Rank and Commercial Risk Score, and also tracking and predicting the existing MSME borrowers’ performance.

  2. Who can use CRIF INDIA MSME RANK?

    CRIF INDIA MSME RANK can be used by Banking and Financial institutions across the MSME customer lifecycle from underwriting to portfolio management and early warning systems. It can also be used by Government bodies, Development Financial Institutions, Rating Agencies and Consulting Firms for enhancing MSME Lending insights and decisions.

    Within BFSI organizations, CRIF INDIA MSME RANK could be a tool for Business Development, Customer Acquisition, Strategy, Product Development, and Analytics Functions for identifying new MSME Lending opportunities, developing customized MSME offerings, and driving new customer acquisitions. It could also be used by Risk and Policy management teams to define and optimize the investment policies and Risk Exposure processes for MSME Lending.

    For Government bodies and initiatives, CRIF INDIA MSME RANK serves as a tool to understand India’s MSME Credit landscape and behaviour, which can enable them to take robust policy and framework decisions and drive their mission to grow MSME Credit in India. Consulting organizations could also recommend CRIF INDIA MSME RANK to their BFSI clientele for leveraging MSME Lending opportunities.

  3. What are the key differentiators of CRIF INDIA MSME RANK that make it the most trusted Credit assessment tool for MSMEs?

    CRIF INDIA MSME RANK has 4 key differentiators

    13 Ranks for precise Risk Differentiation

    Commercial Risk Score within each Rank to provide further granularity for superior risk assessment

    Robust decision system based on pillars like repayment behaviour, delinquecy credit limit utilization, credit acceleration, credit vintage, and proportion of payment irregularities

    Observation Window of 36 Months of Credit History and Performance Window of 12 Months for enabling predictive intelligence and risk minimization

  4. How do I access CRIF INDIA MSME RANK?

    You could connect with our team for a demo session by clicking (here)