Performance & Credit Rating Scheme (NSIC)

A scheme for Micro and Small Enterprises has been formulated in consultation with Indian Banks’ Association (IBA) and Rating Agencies.

Benefits of Performance and Credit Rating

An independent, trusted third party opinion on capabilities and credit-worthiness of Micro and Small Enterprises

Availability of credit at attractive interest

Recognition in global trade

Prompt sanctions of Credit from Banks and Financial Institutions

Subsidized rating fee structure for Micro and Small Enterprises

Facilitate vendors/buyers in capability and capacity assessment of Micro and Small Enterprises

Enable Micro and Small Enterprises to ascertain the strengths and weaknesses of their existing operations and take corrective measures.

Benefits to Banks and Financial Institutions

Availability of an independent evaluation of the strength and weaknesses of a Micro and Small Enterprises unit seeking credit and thereby enabling banks and financial institutions manage their credit risk

Salient Features

A combination of credit and performance factors including operations, finance, business and management risk

Uniform Rating Scale for all empanelled rating agencies.

Micro and Small Enterprises have the liberty to choose among the empanelled Rating Agencies.

Turn-Over based Fee structure

Partial Reimbursement of Rating Fee through NSIC


Contact Info


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New Delhi 110016

+91-11-26863801-04 : 49545454



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